Archive | Personal Finance

Living in a Downtown Setting - Quicken Loans Zing Blog

Ways to Save in a Downtown Setting

I have always had a love for the city; from the sound of roaring traffic and the crowds of people to the sense of community that comes with living in an urban environment. The cost of living downtown can be expensive, but there are some creative ways to help keep the cost of living and playing within your budget.

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Types of Credit: Installment Credit vs. Revolving Credit

As you manage your credit, it’s important to understand the difference between installment accounts and revolving accounts. Not only can this be helpful knowledge as you manage your credit, but it can also be useful for your finances. In this post, we address the difference between installment and revolving accounts. Read on to find out more.

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Are You Owed a Refund from 2010? File Now

You might find that you are among the close to one million people who should have received a refund for tax year 2010. If you are one of those folks, you have until April 15, 2014 to file. Otherwise, you’ve just left money on the table.

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Tax Refunds Jump-Start New Car Purchases

GoBankingRates says it studied auto loan details from more than 6,000 financial institutions and statistics gathered from eBay Motors to project that about 25 percent of Americans would use refunds to grab a fresh ride.

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Bouncing Back from Financial Struggles

As Freddie Mac notes, credit repair is not an overnight fix — it’s something that takes months, even years to achieve. But with time and diligence, anyone can take their bleak financial situation and turn it around. Here are four strategies to help you bounce back.

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Where to Start If You Don’t Have Credit

Your credit history may be the most important record of financial information that you have to your name. But what about if you have no credit history? Don’t worry: if you’re starting from scratch and you don’t have any credit to your name, there are a few simple ways to start building your credit history!

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Are You Really Saving Your Tax Refund?

The IRS reports that the average tax refund for this season, so far, is a little more than $3,000. That’s a pretty decent chunk of change. However, even though many taxpayers say that they plan to save their tax refund, this money actually gets spent, according to CNBC.

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Property Taxes: Frequently Asked Questions - Quicken Loans Zing Blog

Property Taxes: Frequently Asked Questions

When refinancing or purchasing a new home, one of the items that a title company researches are the property taxes. Although every homeowner pays property taxes across the county, determining your specific property taxes has many variables. These variables coincide with different aspects of your home’s location and your home’s assessed value. Depending on the taxing authority, your taxes could be determined by the city, county, school district or by all three. When you pay property tax each year, you’re paying for necessities that are provided by the city, such as police and fire department services, garbage pickup and snow removal.

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First-Time Home Buyer Q&A: How Important Is Credit When You’re Buying a Home?

One of the first items addressed during the home buying process is your credit. Your credit score is an essential number that can impact whether you’ll be able to qualify for a mortgage. If your credit score falls below, 620, you’ll want to utilize some tools and programs to raise your score. As your credit score rises, different programs will allow improved and lowered interest rates for you.

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Saving for Retirement and College at the Same Time

I’m saving for both retirement and college – my two-year-old daughter’s college. Right about the time she’d be putting her cute little hand out for some college money, I’ll be getting ready to retire. Here’s how I’m saving for two very different goals at the same time.

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