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:

07
Feb
Condo Insurance: How Much Coverage Do You Need?

Townhouse and condo insurance provides coverage for your condo or townhouse unit, for your personal possessions in your unit, and for claims against you if someone gets hurt there. You should shop for a comprehensive condo policy or townhouse policy to make sure you get the protection you need.

Posted in: Insurance,
06
Feb
How to Check Citizens Bank Credit Card Application Status

When you apply for a credit card through Citizens Bank, it typically takes seven to 10 days to process your application. If you'd like to check the status of your application, you'll need to call customer Service at 1-866-991-0101, which can be reached Monday through Friday between the hours of 8:30 a.m. and 4:00 p.m. eastern time.

Posted in: Credit Cards,
31
Jan
Personal Loan to Pay Off Credit Card Debt

It often makes sense to use a personal loan to pay off credit card debt if you can get one with a lower interest rate than your credit cards. By reducing interest costs, more money goes towards paying down the principal balance. This allows you to become debt-free more easily.

Posted in: Personal Loans,
31
Jan
Instant Life Insurance Quotes: Where to Find Them

Obtaining instant life insurance quotes can help you to shop around for a policy and find out your available coverage options. However, instant quotes are usually available only for a limited number of policies, including guaranteed issue policies.

Posted in: Insurance,
28
Jan
Is Return of Premium Life Insurance Worth It?

Return of premium life insurance is a type of term life insurance where you get your policy premiums back if you don't die while covered. Return of premium policies ensure your premiums aren't “wasted” if you don't pass away and your loved ones don't receive the death benefit.

Posted in: Insurance,
25
Jan
Business Line of Credit: How to Choose the Best Option

A business line of credit can be obtained from a financial institution so your business can borrow money as it needs to for cash flow, working capital and other needs. Your company's credit score, income, and other financial metrics will be reviewed during the application process.

Posted in: Small Business Loans,
25
Jan
Life Insurance for Cancer Patients and Survivors

Buying life insurance after a cancer diagnosis can be difficult. Cancer survivors can usually get covered if they're disease-free, but likely will need to pay more depending upon the type of cancer they had and how long it has been since they became cancer-free.

Posted in: Insurance,
23
Jan
How Do Student Loans Work?

Student loans are designed to provide funding for your education. There are loans available from both the federal government and from private lenders. Interest rates are also standardized on federal loans while they vary from lender to lender for private loans.

Posted in: Student Loans,
23
Jan
What is a Life Insurance Beneficiary?

You'll need to select beneficiaries when obtaining life insurance. You can pick anyone you want but make sure to keep your chosen beneficiaries updated if your life circumstances change. If you're leaving money to minors, you may not want to leave money to them directly.

Posted in: Insurance,
22
Jan
How Do Life Insurance Nicotine Tests Work?

Life insurance for smokers is more expensive because smokers are at greater risk of passing away while they're covered by their insurance policy. Life insurance companies may require a nicotine test during a medical exam before they approve you for coverage.

Posted in: Insurance,