Finances
Educating yourself about how money should work in your own life and how your own particular resources and abilities integrate with the rest of society is a critical element of becoming prosperous. For mostÂ
Taking control and being assertive about your finances is a critical element of prosperity.
Practical Christmas Gifts That Last Well Beyond the Holiday Season
In my family, I've developed a bit of a reputation as the guy who's not driven entirely by fun and amusement as my primary motivation. In fact, when it comes time my birthday each year, my wife years ago developed the habit of learning ahead of time what things I most...
CapitalOne Creditwise Free VantageScore Credit Report from TransUnion
Article Summary CapitalOne provides free credit scores for credit card holders through their CreditWise monitoring product. When you sign up for a credit card with CapitalOne, you get access to CreditWise as a free add-on service. CreditWise uses TransUnion data to...
What is a Mortgage?
Making good decisions about the home that you purchase to live in (or as an investment) is critical for being prosperous and building your financial wealth. To help you make better decisions with regard to how you'll finance your home or another property, this article...
Can a Section 609 Dispute Letter Repair Your Credit?
People always seem to be looking for shortcuts to getting what they want. While it's certainly true that there are more effective and efficient ways of accomplishing something as well as less efficient and less effective methods, easy shortcuts typically don't produce...
How to Get Out of Debt
If you have substantial debt, you're much like the average American, who carries a personal debt load of about $30,000. That number doesn't even include a mortgage, which is usually considered a good kind of debt. Instead, that $30,000 average debt load (as reported...
Closest Chase Bank to Albuquerque, New Mexico
Chase Bank is one of the largest banking institutions in the United States, with nearly 5,200 branches spread throughout the country. However, if you live in the Albuquerque, New Mexico area, you're (currently) out of luck if you bank with Chase (or want to), and you...
FHA Recommendations for Home Ownership
The Federal Housing Authority, a division of the United States Department of Housing and Urban Development and the world's largest insurer of home mortgages, was created to help people in the US achieve the goal of owning a home. To that end, FHA is heavily involved...
Wells Fargo Debt-to-Income (DTI) Guidelines and Recommendations
Wells Fargo is one of the largest lenders in the United States, one of the biggest banking institutions in the world. They offer all sorts of loans ranging from traditional home purchase mortgages to student loans, personal loans, auto loans, and business loans. Wells...
Debt to Income (DTI) Ratio Requirements for FHA Loans
Article Summary The official debt-to-income or DTI ratio guidelines for FHA home loans is 31%/43%, or 31% for the front-end ratio and 43% for the back-end ratio. These guidelines are not strictly followed among FHA lenders, who consider other factors in considering a...
Wells Fargo Bank
Our goal at Prosperopedia.com is to help you be informed about things that affect your financial well-being so that you can make decisions. In this article, we will discuss Wells Fargo Bank. I'll explain some of the details about the bank and what products and...
Buying a Used Car: Is an Auto Dealership or Individual Seller Better?
My Recent Used Car Shopping Experience Recently my family outgrew our Toyota Sienna as we went from 6 kids to 7 with the birth of yet another little boy. After some research on various vans (including the Nissan NV3500, the Mercedes-Benz Sprinter, the Ram ProMaster...
How to Downgrade (Cancel) Your Professional Amazon Seller Business Account to Individual
Selling products on Amazon has made lots of people into millionaires, but for others, the opportunity turns out to be not as lucrative as they initially hoped. If your Amazon business hasn't taken off yet, and you don't want to continue paying the $39.99 monthly fee,...
How the Federal Funds Rate Affects Savings Account Interest
This morning I received an email from Wealthfront, where I opened a savings account to take advantage of their industry-leading (as far as my research showed) 2.57% interest rate, no fee savings account. The email stated that because of a recent change to the federal...
Pros and Cons of Owning a Motorhome
About seven years ago, I took my family on a trip to Yellowstone National Park. We had some friends with us who were visiting from China. We thought it would be a good idea to show them one of the novel things Americans do while they are traveling, so we rented a...
Wealthfront Automated Wealth Management and Investing Service
Video Review from Wealthfront Account User The video review I'm including below of Wealthfront is a detailed review from an actual Wealthfront user, a vlogger who calls himself Wander001, who has been been using Wealthfront for over 3 years. In his review, he explains...
How to Invest in Construction Hard Money Lending Backed by Real Estate
One of the benefits of working hard and getting ahead is having the opportunity to invest some of your hard-earned money into something that will produce more money. As my career developed, my businesses grew over a 10 year period, and I found myself having more and...
American Express High Yield Personal Savings Accounts
American Express is most commonly known for being a credit card provider, but did you know that they also offer online savings accounts and certificates of deposit (CDs) to consumers? American Express has a high yield personal savings account that doesn't require a...
Chase Bank Limit on Money Transfers from External Accounts: $100,000.00
I found out recently about a limit on money transfers for Chase Bank accounts that is important to know about. If you need to transfer an amount of money larger than $100,000 to your Chase account, you cannot do that through Chase's online portal. Instead, you'll need...
FICO Score Factors
