Discover Rewards Guide

Discover Rewards Guide

As one of the largest credit card brands in the U.S. (behind Visa, Mastercard, and American Express), Discover is no stranger to the rewards game. It’s made a name for itself by offering simple, easy-to-understand rewards credit cards for the average American customer. This means that Discover is light on the frills (no TSA PreCheck…

How Does Two-Factor Authentication Improve Home Security?

How Does Two-Factor Authentication Improve Home Security?

When it comes to home security, two-factor authentication is vital. It’s one of the only safeguards against hacking. Without it, hackers could plausibly get a copy of your video stream or simply disarm your system — a cyber attack just as effective as cutting the phone lines on an old, hardwired system. While we wait…

What Are Balance Transfers and How Do They Work?

What Are Balance Transfers and How Do They Work?

If you’re carrying a balance on a high-interest credit card and are worried about high interest rates, you have options. Transferring your balance to a low-interest card shifts your financial obligation to the new card’s carrier and pays off the original card. A balance transfer doesn’t lower your debt, it simply moves it from one…

What Works With What: Guide to Smart Home Tech

What Works With What: Guide to Smart Home Tech

Like self-driving cars, smart home tech is exciting because it’s convenient. Video doorbells let you see who’s there from anywhere — be it the couch or the other side of the country. Automated commands allow you to come home to illuminated lights, a disabled alarm, and a thermostat set to the perfect temp, all because…

Your Debt-to-Income Ratio and What It Means For Getting a Mortgage

Your Debt-to-Income Ratio and What It Means For Getting a Mortgage

The Debt-to-Income Ratio is: A debt-to-income ratio (DTI) is a fundamental financial metric that lenders use to evaluate a potential borrower’s ability to make monthly payments. Essentially: How likely are you to repay your loan in full? Your debt-to-income ratio is the total of all of your monthly debt payments divided by your gross monthly…

Cutting the Cord: Is It Worth It?

Cutting the Cord: Is It Worth It?

Since the dawn of streaming services, minimalists, TV fanatics, and budgeters have been asking if they should sever their cable contracts (also known as “cutting the cord”). That trend isn’t going anywhere: Leichtman Research Group reported that the cable and satellite TV industry lost 1.7 million video subscribers in the third quarter of 2019, compared…

Air Conditioning Buying Guide

Air Conditioning Buying Guide

An air conditioning unit is a luxury. When it’s sweltering outside, being able to escape the heat in the comfort of your own home is enormous. But, like most luxuries, your AC unit can cost you. In fact, ENERGY STAR reports that nearly 13% of the average American household’s utility bill goes toward cooling costs….

8 Grants and Loans Every First-Time Homebuyer Needs to Know About

8 Grants and Loans Every First-Time Homebuyer Needs to Know About

Buying a home is a big deal, especially when it’s your first one. Today, navigating the real estate market is more complicated than ever before. The 2019 home buyers and sellers generational trends report by the National Association of Realtors® found 42% homebuyers from ages 29 to 38 carry student loan debt, at an average…

Rideshare Safety Tips for Women: Understand the Risks of Your Trip

Rideshare Safety Tips for Women: Understand the Risks of Your Trip

Hitchhiking was normal practice at one time. People would get into a random car or pick up a total stranger. This practice is not common any longer, for various reasons, and especially for women. But every time a rideshare service like Uber or Lyft is used, that’s ultimately what women drivers and passengers are doing…

The Cost of High-Speed Internet

The Cost of High-Speed Internet

Internet is as essential nowadays as water, electricity and gas. But figuring out your options or how much your internet should cost per month is not easy. Let’s break down what’s available, the average cost of internet and how you can save on your monthly high-speed internet costs. What is high-speed internet? The FCC defines…