WiseSaver's Blogs

Guest Bloggers Are Welcome

Add Blog

How difficult can tenants be to remove?

By: WiseSaver Insurance Views: 5999 | Comments: 0 | Votes: 1


If you are a landlord, then probably at some point you have had difficult tenants. Perhaps they chose not to pay their rent; maybe they are ones that party all night disturbing your other tenants as well as the neighborhood. On the other hand, maybe they are the kind of tenant who is destructive and damages the property. This can make the process rather long and tedious. More

A Guide to Saving Money on Landlord Insurance

By: WiseSaver Insurance Views: 9321 | Comments: 1 | Votes: 1


Being a landlord may sound easy, but as anyone knows who has actually done it, the headaches can be very substantial. You have to deal with any and all problems in your home and any complaints your tenants may have, and this can create a lot of extra stress not to mention bills. That’s where landlord insurance can come in, to help you protect some of your interests. More

Can Predictive Data Mining affect your credit score?

By: WiseSaver Credit Repair Views: 7927 | Comments: 0 | Votes: 0


You’re not paranoid. They really are out to get … your data. Where you shop, what you buy, the websites you look at, even your Twitter feed — it’s all of interest to a wide range of companies. Now, those companies are taking the next logical step and trying to predict potential credit risk based on lifestyle choices, he said. How can what you buy hurt your credit? More

The Dark Side of Prepaid Credit Cards

By: WiseSaver Banking Views: 3072 | Comments: 0 | Votes: 0


Prepaid credit cards are becoming increasingly popular. The problem is that greedy financial scoundrels have noticed this popularity increase and are trying to get in on the action. If you're considering getting one or two prepaid credit cards, there are a few things you need to know.1. The Good, The Bad and The UglyLike most financial tools, not all prepaid credit cards are equal. More

Cancellation of Private Mortgage Insurance:, Federal Law May Save You Hundreds of Dollars Each Year

By: WiseSaver Home Loans Views: 14233 | Comments: 0 | Votes: 0


If you put less than 20 percent down on a home mortgage, lenders often require you to have Private Mortgage Insurance (PMI). PMI protects the lender if you default on the loan. The Homeowners Protection Act of 1998 - which became effective in 1999 - establishes rules for automatic termination and borrower cancellation of PMI on home mortgages. For these loans, your PMI may continue. More

FICO - How your score affects you

By: WiseSaver Home Loans Views: 2097 | Comments: 0 | Votes: 1


Throughout the years, mortgage rates have varied by loan-to-value and by term only. Items such as mortgages and variation in credit risks were not taken into consideration. A variation in interest rates was typically due to an additional charge for mortgage insurance (PMI) for home loans with loan-to-values greater than 80 percent, or higher rates due to the length of amortization. More

Life Insurance For Estate Planning

By: WiseSaver Estate Planning Views: 6011 | Comments: 0 | Votes: 0


There are many reasons to put together an estate. One of the main reasons for those who already have grown children is to ensure that their assets are divided and distributed equally among all the heirs. This is not wise. If you list your estate as the beneficiary, then the proceeds of your life insurance policy will first have to go through probate. This could make your estate taxable. More

Donations To Charity - Do We Need Them In The 2007 America?

By: WiseSaver Personal Finance Views: 2888 | Comments: 0 | Votes: 0


In the world we live in, donations charity has become a very important subject. Just look around: natural disasters, poverty, hunger and many life-threatening situations. This is exactly what we can see day after day on TV or even near us. In this context, it is no wonder that donations charity has become essential. The fact is that a donation does not need to be very substantial. More

Will Inquiries Lower Your Credit Score?

By: WiseSaver Banking Views: 3979 | Comments: 0 | Votes: 0


What are inquiries?When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your credit report.Does this affect your credit rating or score?Yes, it does. You should view your report at least once a month. More


By: WiseSaver Personal Finance Views: 4975 | Comments: 0 | Votes: 0


Travel can be a wonderful thing, until you are hospitalized away from home. What kind of treatment would you receive? How would you get back to your physician and loved ones? With MedjetAssist membership, you are in control. Be a savvy traveler. Put your MedjetAssist card in your wallet. More