18
Sep
Actual Cash Value vs. Replacement Cost for Homeowners Insurance

At a Glance:Actual cash value and replacement cost are two different ways of determining payout by your homeowners insurance policy. Knowing how insurers calculate those payouts can prepare you for what to expect if you file a claim. Homeowners, confronted with a significant property loss, property damage, or some other disaster, are often blindsided by […]

Posted in: Insurance,
17
Sep
Average Homeowners Insurance Deductible

At a Glance:A homeowners insurance deductible is the amount you pay when you need to file a claim for damage. The average homeowners insurance deductible is typically $500 - $1,000. This can differ by state. Owning a home comes with a multitude of ups and downs. When it comes to the downs, many homeowners find […]

Posted in: Insurance,
17
Sep
American Express Platinum Card Earns Automatic Gold Status in Marriott Program

Members of the Marriott Rewards program, as well as those enrolled in the Ritz-Carlton and Starwood Preferred Guests (SPG) rewards programs, have some new travel perk changes. Fortunately, most travel rewards experts think those changes are good.What types of changes? The programs are merging into one colossal program, though the three rewards program names will […]

Posted in: Credit Cards,
17
Sep
Credit Card Refinancing vs. Debt Consolidation

Credit card debt is rising in the United States. Approximately 43 percent of Americans carry a revolving balance on their credit cards, with an average balance of $6,354, according to a study by Experian.Getting rid of credit card debt can be a challenge, but there are ways to do it efficiently. Two popular options include […]

Posted in: Credit Cards, Personal Loans,
14
Sep
How Soon After Bankruptcy Can I Get a Credit Card?

Bankruptcy can be a traumatic event that, unfortunately, many Americans go through. While many people may assume bankruptcy is due to poor spending habits or bad credit management, it can also happen as a result of a long illness or major injury, job loss, or foreclosure. Declaring bankruptcy offers a way for people to go […]

Posted in: Credit Cards,
14
Sep
Guide to Paying for College for People With Disabilities

Getting a college degree is hard enough, but it presents a different set of challenges for people who have disabilities. If you have a disability, this guide can help you determine how to get financial aid, and access scholarships meant for people with disabilities.Applying for Federal Student AidTypes of Federal Student AidSupport for Students With

Posted in: Personal Finance, Student Loans,
13
Sep
How to Calculate Net Worth

Being fiscally responsible often means coming to terms with a variety of factors, both internal and external, that contribute to an individual’s total financial health. When analyzing finances, one will often look to specific numbers and calculations; adding up debt, looking at income, and checking in on their credit score from time to time. However, […]

Posted in: Personal Finance,
13
Sep
What Does “6 or 12 Months Same as Cash” Mean?

Advertisements announcing “6 or 12 months same as cash” are everywhere. It sounds like a great deal—you can get something at a great price with up to a free year of no interest. You often see these offers at furniture stores, kitchen appliance retailers, or even heating and air conditioning vendors. But is six months […]

Posted in: Personal Finance,
13
Sep
How to Transfer American Express Points to Delta

American Express credit cards have quite a few perks, and one of the best is the ability to earn reward points that can be used for travel. American Express (Amex) partners with Delta Airlines on one of their credit card product lines, and almost any purchase you make will earn a varying rate of points […]

Posted in: Credit Cards,
12
Sep
How Does Age Affect Car Insurance Costs?

In most states, car insurance is mandatory. Each state has different requirements for the level of car insurance required, but almost every driver in the U.S. needs some form of coverage.The cost of car insurance varies significantly since it’s based on a number of factors, such as location, the type of car you drive, and […]

Posted in: Insurance,