Melissa Horton

Melissa Horton has an MBA in Finance and has worked as a financial professional for the past 13 years, helping clients understand the often complex vehicles available for both lending and investment needs. She is passionate about financial literacy and strives to educate clients and the general public to empower them in making smart financial decisions.

Articles by Melissa Horton:

20
May
Is Life Insurance Worth It?

Life insurance is a tool that can help offset the risk of financial hardship for your loved ones after you pass away. However, if you have no outstanding debts or dependents, life insurance likely isn’t worth the cost.

Posted in: Insurance,
16
May
Discover Student Loans Review

Discover offers student loans for both undergraduate and graduate students, as well as a loan to refinance and consolidate existing loans. Discover Student Loans have competitive rates, unique benefits, and may be a good choice for you depending on your situation.

Posted in: Student Loans,
Tags: loan review,
14
May
Credit Karma Tax Review

Credit Karma is a popular credit monitoring platform that offers an array of free services and resources to its customers. The company was founded in San Francisco in 2007, and with the help of more than 800 employees, Credit Karma has grown into one of the most widely used free online services for millions of […]

Posted in: Taxes,
09
May
Personal Business Loans: How to Get One in 2019

Several lenders offer personal loans that can be used for business expenses with competitive rates, terms, and less stringent requirements than traditional business loans.

Posted in: Personal Loans, Small Business Loans,
08
May
Short-Term Business Loans: Compare Financing Options

Business owners can use short-term business loans to help cover a variety of needs, including equipment and expansion. Lenders offer several types of short-term business loans, with loan amounts ranging from $1,000 up to $500,000 and repayment terms between three and 18 months.

Posted in: Small Business Loans,
07
May
Bestow Life Insurance Review

Bestow is a life insurance company that offers both short-term (two-year) and long-term (10- or 20-year) term insurance policies. The company has created a streamlined application process that can be completed in minutes, without the need for a medical exam like many other providers in the life insurance industry.

Posted in: Insurance,
Tags: product review,
07
May
Headway Capital Small Business Line of Credit Review

Headway Capital is a small business lender that provides flexible lines of credit as an alternative to traditional small business loans. Lines of credit from Headway funding may be available up to $50,000 or $100,000, depending on your state and eligibility.

Posted in: Small Business Loans,
06
May
Liberty Mutual Homeowners Insurance Review

In terms of what's covered, Liberty Mutual offers some of the most comprehensive homeowner's insurance to residents in all 50 states. However, the cost may be higher than comparable homeowners insurance policies and the customer service may be worse.

Posted in: Insurance,
Tags: product review,
03
May
Credit Utilization Ratio: What Is it and How Does it Affect Your Credit Score?

Credit utilization is the percentage calculation of how much of your available revolving credit you use at any given time. Credit utilization accounts for about 30% of your credit score, so it is important to know how to manage your own ratio improve it over time.

Posted in: Credit Scores,
30
Apr
Secured vs Unsecured Loan: What’s the Difference?

Secured loans are those that require some type of collateral to qualify, and because of this collateral, they pose less risk to a lender. Unsecured loans have a higher risk to the lender because no collateral is required, which means you may pay more in interest to help offset that added risk.

Posted in: Personal Loans,