Christy Rakoczy

Christy Rakoczy is an experienced personal finance and legal writer who has been writing full time since 2008. She earned her JD at UCLA and graduated from the University of Rochester with a degree in media and communications.

Articles by Christy Rakoczy:

16
Aug
10-Year Mortgage Rates

10-year fixed-rate mortgages typically have lower rates but higher monthly payments compared with other loans. Rates change over time, so it is important to compare rates periodically to find the most affordable mortgage.

Posted in: Mortgages,
16
Aug
FHA Loan Guide: Get Help Buying Your First Home

An FHA Loan is a loan that is guaranteed by the Federal Housing Administration. There are many FHA-approved lenders issuing FHA loans, and you can qualify for them with a lower down payment and a lower credit score.

Posted in: Mortgages,
15
Aug
Income-Share Agreements: How They Work & Who They’re Good For

Income-share agreements are a new way to fund your college education. Instead of paying interest on a student loan, you agree to give your lender rights to a percentage of future income.

Posted in: Student Loans,
15
Aug
Breast Augmentation Cost & Financing Options

Breast augmentation isn’t typically covered by insurance. Surgeons fees average $3,824 but there are also additional expenses. The final price varies depending on many factors including geographic location and whether you use saline or silicone implants.

Posted in: Insurance,
15
Aug
Tummy Tuck Cost & Financing Options

Tummy tucks had an average surgeon’s fee of $6,253 in 2018. You may incur additional costs for anesthesia, operating room fees, and post-op care. Insurance usually doesn’t cover tummy tucks, so you’ll have to finance the procedure yourself.

Posted in: Insurance,
13
Aug
How Much Do You Have to Make to File Taxes?

It's best to file a tax return no matter how much you make. Even if you made $1,000, there are plenty of free services available.

Posted in: Taxes,
13
Aug
Best Home Equity Line of Credit (HELOC) Rates & Lenders

HELOCs can help homeowners tap into the equity they have in their homes for relatively low-cost funding for things like a home improvement project. Learn more and find the best options below.

Posted in: Home Equity,
Tags: ptype_cornerstone,
13
Aug
Root Canal Cost & Financing Options

The price of a root canal varies depending on your location and the condition of the tooth. But you could spend as much as $1,000 or more. Dental insurance can cover part of the cost of the procedure, or you could look into local dental schools to get a cheap root canal.

Posted in: Insurance,
13
Aug
Federal Direct Stafford Loans: What You Need to Know

A Stafford Loan is a student loan made available by the federal government. These federal student loans can be one of the most affordable borrowing options for students. Before you borrow, it’s important to know the eligibility requirements, borrowing limits, loan repayment terms, and more.

Posted in: Student Loans,
13
Aug
Home Construction Loans: Compare Your Options

Conventional mortgages don’t typically apply to the construction of a new home. Instead, you’ll need to take out a home construction loan to pay for expenses during the construction phase. There are different kinds of construction loans available, including renovation loans, owner-builder loans, and end loans.

Posted in: Personal Loans,