Northern Poconos Real Estate News
The offer of a zero-interest credit card can look enticing when it arrives in the mail. Who doesn’t want to avoid paying interest on credit card charges?
As with most things in life, there are pros and cons to using 0-percent credit cards. Here are some facts to consider before you respond to that offer:
Balance transfers: The 0-percent interest offer is a smart way to transfer balances from one card to another. Moving a high balance from a high-interest card to a zero-interest one can save y...
A certificate of deposit (CD) is a product that gives an investor a fixed interest rate for anywhere from three months to five years. The longer the term, the higher the rate. CDs generally have higher interest rates than savings accounts, but money must be kept in a CD until its maturity date. If it’s withdrawn before then, a penalty applies. CDs are FDIC-insured, which makes them safer than investing in the stock market. In order to maximize returns while maintaining liquidity, investors often...
Charging too many expenses to your credit card can happen occasionally. It leads to what’s called a maxed out credit card, meaning you’ve gone over or are close to being over your assigned credit limit.
It doesn’t mean your financial world will come crashing down around you. But it is something to take notice of and deal with.
It’s okay to have a maxed out credit card if you plan on paying it off when your next credit card bill arrives. However, when your APR is applied to the balance, you ma...
Saving money can be difficult, and sometimes your frame of mind can hold you back. Here are some negative thoughts to overcome:
I Don’t Make Enough Money to Save
You are more than likely wrong about this one. Sometimes it’s about writing down your numbers and determining what you can cut and save on.
An appraisal is a critical part of the homebuying process, as it determines the value of the property before a lender agrees to move through with a mortgage. But how is this value calculated? Check out this list of seven factors that impact the value of a home during an appraisal.
Condition of the home
First, the appraiser will note some of the general details of the home, ranging from the materials used throughout the house to the property’s overall condition. If anything is unsound or unsafe...
Many people struggle to pay off credit card debt. Interest that accumulates each month can make it difficult to make a dent in balances. Juggling multiple credit cards with different minimum payments and due dates can feel overwhelming. Missing a due date can lead to fees and possible damage to your credit score.
If you have lived in your home for several years, you may have built up a large amount of equity. You might be able to use a home equity line of credit, or HELOC, to pay off credit car...
Reusing things you use often instead of using them once and then throwing them away will not only benefit the environment, but will save you some cash, too.
Here are four reusable items that will more than pay for themselves in savings.
Shopping Bags
A plastic bag has a lifespan of 12 minutes from when it’s initially filled with groceries at the store to when it’s discarded when you get home, according to Reuse This Bag. These bags can take 1,000 years to decompose.
