One of the simplest ways to secure financing is through a line of credit.  The application process for lines of credit tends to be quicker and less involved than for other types of financing such as business loans, personal loans or mortgages.

Authorized users, like cosigners, should be carefully considered before adding them to a credit card account. If not, it can be a costly mistake and will likely ruin your credit score.

Financial decisions like purchasing a cell phone or applying to rent an apartment or house will require you to have your credit score in good standing. A low credit score can also allow lenders to charge you a higher upfront cost or pay more money because you aren’t considered creditworthy.

Credit ghosts are people who have no credit score, but they could improve their financial situation by building credit. Here's what is a credit ghost and what to know if you are one.

The current school curriculum does not have any courses which discuss financial literacy. As a result, some states have begun implementing financial literacy courses into the curriculum, which will go into effect in 2023.

In a report released by the National Bureau of Economic Research (NBER), it was seen that the GDP level had reduced a second time, which is the usual indicator of a recession. However, despite the data showing a reduction in consumer spending, the NBER has announced they believe the economy is not in a recession.

There have been a total of 14 recessions in the United States since the Great Depression of the early 1930s. We cannot control a recession but we can control how we prepare for it. Here are eight tips to help you prepare for difficult financial times.

Workforce payments platform Branch recently conducted a survey asking hourly workers in the United States about their financial situation. The purpose of this survey was to determine how well off these hourly workers are in the midst of the current economic climate, and the results were startling.

Since the beginning of the COVID-19 pandemic, many people took advantage of the low-interest rates and decided to purchase a house. As many others had a similar thought process, the demand for housing began to rise.

The USD and Euro are nearing parity, meaning that their bank notes could be used internationally without a change in purchasing power.

The U.S. economy has experienced higher inflation than before, reaching its highest point since 1990. As a result, many Americans are turning to their credit cards to pay for their needed goods and services that have risen in price. Unfortunately, excessive use of credit cards to pay for goods and services can have major financial setbacks.

Having fun and making lasting memories with family is the true meaning behind celebrating the holidays. The emotional effects of debt and stress can take away from the enjoyment. Here are three reasons why you should start your holiday shopping earlier in the year.

On June 18, 2022, Bitcoin’s price dropped under $20,000 for the first time since December 2020. Bitcoin showed a remarkable growth during the COVID-19 pandemic, especially during the lockdown era, with the price of the digital currency surging by 300%. However, as the famous saying goes, “The higher they rise, the harder they fall,” which is what Bitcoin is experiencing.

For many years, Black Americans have been at a disadvantage when it comes to homeownership and acquiring wealth.

In the first quarter of 2020, when the COVID-19 pandemic first began, household wealth declined. However, since then, it has continued to rise, until now. A new recent report released by the Federal Reserve looked at the wealth of households and highlighted key financial data regarding where money is rising and falling.