Articles by Pinyo

The following is a list of the nationally available highest yields CD rates. In general, certificates of deposit (CDs) are great investments because your principal is protected by FDIC insurance and your interest rates are guaranteed. Moreover, you can use CD Ladder to make your CD savings more flexible and effective. You can open certificates [...]

This is a comparison chart of credit unions, banks, and online savings banks that offers high interest savings account and/or high yield money market account. All bank accounts are NCUA or FDIC insured. Your principal is protected and you’re guarantee a positive nominal return on investment. In addition to the interest rates, we also included [...]

A secured credit card is a type of credit card secured by a deposit account owned by you, the cardholder, that acts as a collateral in case of a default. In general, you must deposit an amount equal to the credit line desired, but some issuers ask for more — e.g., twice the credit desired [...]

People are greatly divided on the topic of early mortgage pay off — some say it’s a good idea, others disagree. This topic is highly debatable because there are so many factors to consider, and even a slight change in one of these factors could swing the answer in one way or another. In any [...]

Now that the house hunting season is in full swing, I thought it’s a good idea to revisit these house selling tips again. Although the economy improved quite a bit since last season, the housing market still favors buyers over sellers. You’d be hard pressed to find multiple buyers bidding up a house. The fact [...]

Many people like to dream big and think big. Unfortunately, the sheer amount of effort to accomplish their big goals simply overwhelms them. For instance, take a routine activity like walking across the street. You take one step at a time and you get the job done. But if I ask you to leap across [...]

If you keep a lot of money in your checking account, moving your money to a high interest checking account may be a good move. Below is a list of nationally available highest yields checking accounts. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive [...]

There are a lot of information about how to get rich, build wealth, achieve financial freedom, etc. But when you take a step back and look at the big picture, it all comes down to better cash flow management — earn more and spend less — personal finance in one simple equation! Obviously, this is [...]

In general, anything above 700 is considered a good credit score, but it’s not that simple. There are many different credit scoring systems with different scales — not to mention individual lenders have their own criteria. In short, a good credit score depends on the scoring system used and your particular lender. However, you can get a [...]

The following is a list of top discount brokers focused on cheap online stock trading for active traders. It is sorted from the lowest commission cost to the highest. Recommended brokers are selected based on users’ votes and reviews. In addition, special offers and features for these discount brokers are listed to help you decide. [...]