Now Playing
97.1 The River
Last Song Played
Classic Hits
On Air
No Program
Now Playing
97.1 The River
Last Song Played
Classic Hits

business

200 items
Results 11 - 20 of 200 < previous next >

Why Are Millennials Avoiding Credit Cards?

MoneyTipsCredit card usage is dropping among the millennial generation. A surprising 67% of Americans between 18 and 29 years of age have no credit cards at all, according to a recent survey. That compares to only 45% of Americans between the ages of 30 and 49, and 38% of those aged 50-64 without credit cards. At 32%, even less Americans aged 65 and over are without a credit card. The 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act probably played some part in the decrease by making credit cards difficult to obtain for those under age 21. Whopping levels of student debt also play a role, as millennials are wisely afraid to add more debt to their loan obligations. Unemployment may be keeping some millennials from qualifying for credit, but others appear to be avoiding credit cards as a matter of principle. Given America's soaring credit card debt, that is a positive development… or is it? Consider some of the potential advantages of credit card use. Building Credit History – Without a credit history, lenders have no way to evaluate your risk when the time comes to buy a car, a home, or any other large purchase requiring a loan. You will be charged higher interest rates, as a result, until you prove your risk level is low. Purchase Protection – As opposed to cash purchases, credit cards offer protection against vendor fraud and stolen items. You also have means for disputing fraudulent purchases made in your name. Convenience – Credit cards are convenient and accepted at most vendors, whether brick and mortar or online. (Arguably, this is a negative if you have poor self-control.) Record of Expenses – Monthly credit card summaries provide you with a full record of your credit purchases. If you do not keep receipts or budget properly, these records are quite helpful to outline where your money is going. Emergency Reserve – Your credit limit serves as an emergency pool of funds for unexpected expenses such as an auto breakdown or an accident requiring medical care. Credit.com suggests that the average person without credit cards could pay almost $160,000 in extra interest over a lifetime when compared to the interest rates acquired through responsible credit card use. While there are many assumptions involved in that figure, the principle is sound. However, many millennials are putting more emphasis on the negative side of credit cards, such as these examples. Fraud/Identity Theft – Credit card breaches cause many headaches in disputing fraudulent charges and repairing the damage from lost personal information. Debit cards are less tempting as they are limited to the cash in your account, and your credit limit is probably higher than your bank account balance. Debt/Interest Rate – Credit card debt is usually the highest interest rate debt you will incur and if you charge more than you can pay off each month, debt can spiral to unmanageable levels. If you want more credit, check out CreditCards.org's list of low-interest credit card offers. Ease of Overspending – The flipside of the convenience advantages listed above. Poor Credit Scores – Just as you can build your credit history with responsible credit card use, you can damage it with irresponsible use. Having no credit history makes it difficult to qualify for loans and mortgages, but having a poor credit history increases those difficulties. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. The most responsible path is to use cards sparingly, pay them off in full each month, and stay at a small fraction of your credit limit (10% or less if possible). This strategy will give you the best credit rating without increasing your debt. Avoiding credit cards is advisable if you cannot use them responsibly. However, it is better to learn how to use cards sparingly and intelligently. The same properties that can cause you to run up credit card debt (such as lack of self-control, poor budgeting and overspending) are going to cause problems in other areas of life eventually. Once you get those habits under control, you may not feel the need to avoid credit cards. Photo ©iStockphoto.com/SIphotography Originally Posted at: https://www.moneytips.com/why-are-millennials-avoiding-credit-cardsDoes Your Credit Card Limit Measure UpWhat Happens When You Go Over Your Credit Limit?Higher Credit Limits Help Improve Credit Scores

Does Your Spending Personality Match Your Credit Cards?

It’s easy to get caught up in credit card incentives, such as cash back, travel perks and sign-up bonuses. But if your credit cards don’t match your spending personality, you might not get the rewards you expect, or you might end up paying too much in fees.

One in five consumers carries a card that “has fees or rewards not aligned with their actual purchase habits,” according to J.D. Power’s 2016 U.S. Credit Card Satisfaction study.

And circumstances change. Even a credit card that was once compatible with your spending habits might no longer be the best fit. Identify your spending personality to determine whether the cards in your wallet are offering you the most value right now.

The jetsetter

If you travel in style often and want big rewards for your spending, a premium credit card will go further than a regular travel card. Some premium cards offer credits for airlines, hotels or airport security screening programs, as well as airport lounge access. They come with a large annual fee, but you likely spend enough to earn it back in the form of perks and a generous sign-up bonus.

The explorer

Travel is your hobby, but you’re not loyal to airline brands; you’re loyal to the best deals. General travel credit cards offer flexibility in reward redemption. Some charge annual fees, but you can often make up the cost in rewards, and the best cards don’t charge foreign transaction fees. However, travel rewards might lose value if you redeem them for anything other than travel.

The cash-back connoisseur

You like knowing the exact value of your rewards in cash, and you use plastic at every opportunity to earn more. Tiered and bonus-category cash-back credit cards offer higher rates on certain purchases and 1% on everything else. You could get more value by pairing one of these with a flat-rate cash-back card that pays 2% for all purchases. Minimalists should consider a single flat-rate cash-back card.

The balance carrier

Your paychecks aren’t always steady, so sometimes you lean on a credit card, and it’s not always possible for you to pay the balance in full every month. Still, you make sure you never miss a payment. Cash-back credit cards are tempting, but their high interest charges will outweigh your rewards. A low-interest credit card is more likely to save you money over time.

The self-starter

If you have bad credit or no credit, you probably have limited credit card options. Secured credit cards offer an opportunity for credit building. They require a security deposit that you get back after closing the account or upgrading to a regular, unsecured card. The credit limit is often relatively low, equal to the security deposit.

The survivor

You’re struggling to pay off debt, but if you have good or excellent credit, a balance transfer credit card can provide a way out. It allows you to transfer a balance from an existing credit card to take advantage of a lower interest rate. A card with a low balance transfer fee and a 0% annual percentage rate period can give you time to catch up on payments.

The optimizer

You’ll go to great lengths to get a good deal, including managing multiple credit card bills. Mixing and matching cards can be worth it as long as you save money. Just watch out for annual fees or interest.

If your credit card is no longer a match, it might be time to move on. But unless it charges an annual fee, don’t rush to close the account, because that could impact the length of your credit history — and your credit score.

Keep current cards active with the occasional, small purchase and use a new credit card to swipe your way toward your goals.

Melissa Lambarena is a staff writer at NerdWallet, a personal finance website. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena.

Write an Executive Summary

Most business owners have a general idea of the executive summary that comes with the traditional business plan.  However, in the real world, summaries come up much more often than just in the...

How to Develop and Use a Good Executive Summary

Most business owners have a general idea of the executive summary that comes with the traditional business plan.  However, in the real world, summaries come up much more often than just in the...

Teachers: Here’s How to Ace Retirement Without Social Security

When it comes to saving for retirement, many teachers can’t use the standard lesson plan.

What’s different for them? Social Security coverage, or the lack thereof. About 40% of public school teachers aren’t covered by the Social Security system, according to the National Association of State Retirement Administrators.

That goes back to the initial draft of the Social Security Act in 1935, which left state employees out in the cold. Most states have since opted into Social Security for their public-sector employees, but 15 states haven’t. In those states, teachers and other state and local government workers are exempt from paying Social Security taxes and instead typically rely on a state-run pension plan.

+ Click to expand to see a list of the 15 states States where teachers are ineligible for Social Security AlaskaLouisiana CaliforniaMaine ColoradoMassachusetts ConnecticutMissouri Georgia (some areas)Nevada IllinoisOhio Kentucky (some areas)Rhode Island (some areas) Texas Why teachers aren’t covered by Social Security

The short answer: In part, it’s because they don’t pay into the Social Security system. But in some cases, even if they’ve paid in at some point in their career, Social Security benefits — including retirement, disability and survivors benefits — could be reduced if they also have a state pension.

The retirement and disability benefit reduction is due to a rule called the Windfall Elimination Provision, which is designed to block state and local public employees from collecting a pension alongside Social Security benefits. It does that by reducing Social Security retirement benefits. A separate rule, called the Government Pension Offset, can also cut into Social Security survivors benefits.

The Windfall Elimination Provision

You might wonder how Social Security can be reduced if you weren’t covered by the program in the first place. The answer is that it can’t. The Windfall Elimination Provision doesn’t directly affect you if you’ve never paid into the Social Security system; you simply won’t receive benefits.

But if you have contributed to the system — most likely because you paid Social Security taxes in a different job — and you now work for a state or local government in a role that doesn’t participate in Social Security, the Windfall Elimination Provision could reduce any Social Security retirement or disability benefit for which you’re eligible based on that past work.

Your Social Security statements likely won’t reflect that reduction, which is based on a special calculation. The maximum monthly reduction in 2017 is $442.50, limited to one-half of your monthly pension benefit. You will be subject to a smaller cut if you have 21 or more years of “substantial earnings” from a job in which you paid Social Security taxes. If you have 30 or more years of substantial earnings, your benefits won’t be reduced by the Windfall Elimination Provision.

How teachers can save for retirement

Teacher retirement options vary by state, but you’re generally offered either a pension or a defined contribution plan like a 403(b) or 457(b), or both.

Pensions have plenty of perks, most notably a guaranteed benefit in retirement that lasts as long as you live. But they’re also not without downsides. Many are underfunded or in debt, and they typically don’t travel well, requiring you to participate in the plan for a certain number of years before you’re vested (“vested” means promised the full pension benefit you’ve accumulated).

If you leave teaching or move to a different state before you meet the vesting requirement, you may forfeit any employer contributions. Contributions you’ve made — and often at least a portion of interest earned — are yours to keep. Generally, the longer you work, the larger your pension benefit.

All of this means it’s wise to supplement your pension. You can do that in a couple of ways:

1. A defined contribution plan

You may be eligible for a 403(b) or 457(b) plan alongside your pension. Both are similar to the private-sector 401(k) plan, in that they allow you to put aside money for retirement pretax. The annual contribution limit for 2017 is $18,000, with additional catch-up contributions in some cases. If you have both a 403(b) and a 457(b), those limits are separate. You may also earn employer matching contributions.

The money you contribute generally grows tax-deferred and will be taxed as income when you take distributions in retirement. Both plans may also offer a Roth individual retirement account option, which allows you to put away after-tax dollars and take retirement distributions tax-free.

One word of warning: 403(b) plans can be rife with fee pitfalls for participants, sometimes even more so than other employer-sponsored retirement plans. An analysis by human resources consultant Aon Hewitt found that those costs could add up to a cumulative leak of $10 billion annually. No matter where you invest, be sure to understand your fee costs by asking to see investment prospectuses or annuity contracts.

2. A Roth or traditional IRA

These are accounts you would open and fund on your own at an online broker. You can contribute up to $5,500 in 2017, with an extra $1,000 if you’re 50 or older.

With a traditional IRA, you make tax-deductible contributions, then pay taxes on distributions in retirement. With a Roth IRA, your contributions don’t get you an upfront tax break, but distributions in retirement are tax-free. Depending on your income, you may be able to combine IRA contributions with a 403(b) or 457(b), increasing how much you put away for retirement each year. Review the IRA contribution limits to find out, then learn how and where to open an IRA.

» IRA vs. 403(b) vs. 457(b): Get all the details in our retirement plan comparison

Arielle O’Shea is a staff writer at NerdWallet, a personal finance website. Email: aoshea@nerdwallet.com. Twitter: @arioshea.

Mortgage Rates Thursday, July 20: Rates Lower as Fed Looms

Mortgage rates for 30-year fixed-rate loans and 5/1 ARMs both fell by one basis point today, while 15-year fixed loans remained unchanged, according to a NerdWallet survey of daily mortgage rates published by national lenders Thursday morning.

Both fixed-rate products and 5/1 ARMs haven’t been this low in several weeks.

The Federal Reserve meets again next week, and going by the futures market, the general consensus is that the target range for the federal funds rate will be left as is, especially after Fed Chair Janet Yellen’s remarks last week that low inflation levels merited further observation.

MORTGAGE RATES TODAY, Thursday, JULY 20:

(Change from 7/19)30-year fixed: 4.07% APR (-0.01)15-year fixed: 3.47% APR (NC)5/1 ARM: 3.87% APR (-0.01)

Get personalized mortgage rates

NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

Emily Starbuck Crone is a staff writer at NerdWallet, a personal finance website. Email: emily.crone@nerdwallet.com. 

Why Credit Cards Are Serving Big Restaurant Rewards

Finding a credit card that offered big rewards at restaurants used to feel like ordering vegetarian at a barbecue joint: There weren’t many options, and they often weren’t appetizing. But with consumers spending more on dining than ever before, that’s quickly changing.

In recent years, Chase, Citi, Capital One and PNC have all launched cards with an effective rewards rate of at least 3% on dining, a step above the 2% that was once the maximum dining reward on many cards. These are similar to the rewards on gas, groceries and travel that cardholders have enjoyed for years. And for many users, they’re just plain practical.

“Everyone has to eat. You end up with a lot of people who say, ‘Look, I may not go to New York every week, but I certainly go to restaurants every week,’” says Robert Hammer, CEO of R.K. Hammer, a bank card advisory firm.

Spending on dining out is rising

When deciding what credit card rewards to offer, issuers try to determine which perks will entice people to apply for a card — and then use it regularly. So they pay close attention to how potential customers are spending money.

“We’ve heard directly from [our customers] how important mealtime is,” Mark Mattern, vice president of U.S. cards at Capital One, said in an email. That’s how the issuer came up with the Capital One® Premier Dining Rewards Credit Card, introduced in March 2017, which offers unlimited 3% cash back on dining and 2% on groceries. “We know that these are categories that people are spending more in and are passionate about,” he added.

Consumer spending trends reflect that. In 2015, sales at restaurants and bars overtook spending at grocery stores for the first time ever, according to a Bloomberg report citing Commerce Department data. Consumer spending on food services has also been steadily increasing, reaching an all-time high in 2016, according to the most recent data available from the federal Bureau of Economic Analysis. To credit card issuers, these trends present a business opportunity.

“Chase, Capital One, [Bank of America] — they don’t push things that don’t make money. It just doesn’t happen,” Hammer says.

The young and the wealthy are eating out

Issuers don’t offer bonus rewards on dining simply because they want a piece of dining purchases; they also want to appeal to a specific type of consumer. The two groups currently most sought-after by financial institutions — high-income consumers and young adults — happen to be prolific diners.

Among households with incomes in the top 20% nationwide, 49% of food spending went to food away from home, which includes spending at restaurants and fast food joints and on takeout, according to 2015 data from the Bureau of Labor Statistics. That amounts to $6,040 per year, more than 4.5 times what those with incomes in the bottom 20% spent in that category.

Millennials tend to dine out more frequently than other age groups. A December 2016 Gallup poll found that 72% of 18- to 34-year-olds had eaten dinner at a restaurant once in the previous week, the highest rate of any age group surveyed.

These two groups mean big business to credit card companies. High-income shoppers, of course, have more money to spend. That can generate revenue for issuers in the form of transaction fees and interest charges.

Millennials, meanwhile, bring growth potential, a point underscored in Chase’s most recent annual report. “[Millennials’] wealth is expected to grow at the fastest rate of all generations over the next 15 years,” writes Gordon Smith, CEO of consumer and community banking at Chase. The majority of new cardholders with the Chase Sapphire Reserve℠, which features rich dining rewards among several other benefits, were millennials, according to the report.

Would you like rewards with that?

Credit cards with supersized dining rewards benefit issuers, certainly. But if you use yours responsibly and pay the balance in full every month, they can especially benefit you. If you’re deciding which credit card to use for restaurant excursions, and all of your options offer 3% back on dining, look for these features:

  • No annual fee: It generally doesn’t make sense to pay an annual fee just for dining rewards. Many cards these days offer 3% back on dining — and other perks — and don’t charge an annual fee.
  • Unlimited earnings: If you spend big bucks on dining, choose a card without a spending cap. The Capital One® Premier Dining Rewards Credit Card, launched in 2017, and the AARP® Credit Card from Chase, relaunched with dining rewards in 2013, are both good options.
  • Other rewards and benefits: Dining rewards might be your main objective, but many of these cards offer other perks. Choose one with the benefits that best fit your spending habits. If you’re a commuter, find a card that supplements your dining cash back with gas rewards. If you also frequent the supermarket, get your dining rewards with a side of grocery bonuses.

Getting more cash back, points or miles on dining purchases is great, but it doesn’t have to be the only useful benefit your card offers.

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.

Credit Gardening 101

MoneyTipsYou may be a whiz at vegetable gardening or flower gardening, but how are you at credit gardening? That may sound like you are buying plants on credit, but in this case, good credit is the product of your gardening. Instead of harvesting fresh vegetables or springtime flowers, your harvest will be an improved credit score. Your objective is to remove items that drag down your credit score — the "weeds" in your credit report — while taking care not to introduce any new items that can drop your score. For example, opening new lines of credit will typically pull down your score through hard inquiries for credit that require significant review of your income and debts. Just as with other types of gardening, credit gardening requires planning. Your credit score is most important right before making a large purchase such as an auto or a home, and by keeping your credit score at its peak, you can save hundreds or even thousands of dollars via a lower interest rate offer. Before beginning your credit gardening, make sure that your garden has no hidden errors that are unnecessarily damaging your credit score. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. The service will allow you to check reports from all three major credit bureaus (Equifax, Experian, and TransUnion); that's important because any error could be unique to one agency. Be sure to dispute any errors in the report to clear your credit garden for planting. If you believe there is a mistake on your credit report, you can resolve it with a single click using our credit correction service. If you already have a variety of credit accounts such as credit cards and installment loans like a mortgage, your credit "seeds" have already been planted and your goal is to manage those accounts wisely until the next large purchase. However, if you are starting out with little credit or attempting to rebuild poor credit, you will need to plant some credit seeds by opening a few, controllable accounts. Secured cards backed by a cash deposit are an excellent form of seed credit, assuming that the card issuer reports activity to the credit bureaus. Gas station cards are also useful because they are frequently used but do not generally build up large balances. During the tending phase of your credit garden, you must be careful to manage your accounts wisely. Use all of your cards for small purchases each month to keep the accounts active and your overall credit utilization low. Make sure that you pay off all purchases on time and in full each month. This provides food for your credit garden by showing responsible use of credit. Meanwhile, the passage of time will eventually remove the negative events pulling your credit score down — weeding the credit garden automatically. Even though you may be tempted by promotional credit card offers or major deals on purchases during the tending phase, keep your goal of a higher credit score in mind. If you are not credit gardening toward a specific large purchase, it may help to set a time-related goal such as opening no new accounts for one year. This clears the path for future large purchases. After careful tending, it is time to harvest your new higher credit score in whatever way you see fit. Whether your goal is a great deal on a mortgage or auto loan, or simply to bask in the glow of a great credit score, it is time to enjoy the fruit of your efforts. If you want to see your credit report and credit score within minutes for free, try Credit Manager by MoneyTips. Photo ©iStockphoto.com/Saracin Originally Posted at: https://www.moneytips.com/credit-gardening-101How To Boost Your Credit Score Fast5 Credit Tips For New College GradsHow can I increase my credit score?

Coffee recalled for Viagra-like ingredient

A coffee brand has issued a recall after the FDA found it contained an ingredient similar to the active one in Viagra.

Bestherbs Coffee LLC voluntarily recalled all the lots of New of Kopi Jantan Tradisional Natural Herbs Coffee after an FDA lab found “the presence of desmethyl carbodenafil. Desmethyl carbodenafil is structurally similar to sildenafil, the active ingredient in Viagra, an FDA-approved prescription drug for erectile dysfunction.”

The analysis also said instant coffee brand contains undeclared milk.

>> Read the recall notice here

Additionally, the recall notice said: “These undeclared ingredient [sic] may interact with nitrates found in some prescription drugs, such as nitroglycerin, and may lower blood pressure to dangerous levels. Men with diabetes, high blood pressure, high cholesterol or heart disease often take nitrates. In addition, people who have an allergy or severe sensitivity to milk run the risk of serious or life threatening allergic reaction if they consume this product.”

Now, it should not be a total shock, as “New of Kopi Jantan Tradisional Natural Herbs Coffee is used as a male enhancement.”

Still, the recall notice has been issued for the 13-gram, red packs with UPC 557205060083 on the box and containing 25 packets.

>> Read more trending news

The packages were distributed from July 2014 through June 2016. New of Kopi Jantan Tradisional Natural Herbs Coffee is consumed as an instant coffee. No illnesses have been reported so far.

The recall notice advises: “Bestherbs Coffee LLC is notifying its customers by phone. Consumers that have New of Kopi Jantan Tradisional Natural Herbs Coffee which is being recalled should stop using/discard/ and contact their doctor. Please return the product to Bestherbs Coffee LLC, 4250 Claremont Dr, Grand Priarie, TX 75052. Customers returning the product will be reimbursed by check for the returned goods and postage. Consumers with questions regarding this recall can contact Bestherbs Natural Coffee at 817-903-2288 or Albertyee.abc@hotmail.com, Monday thru Friday 9am to 5pm CST. Consumers should contact their physician or healthcare provider if they have experienced any problems that may be related to taking or using this drug product.”

Avoid Paying Mortgage Insurance Despite Low Down Payment

MoneyTipsIf you are stretching your funds to purchase a home with a minimal down payment, you are probably familiar with private mortgage insurance (PMI). It is generally required in any home purchase in which the down payment is less than 20%. PMI is insurance for the lender, not for you — it covers the lender for the increased default risk that you present. Typically, lenders arrange PMI through a third-party insurer. The premium is calculated based on a percentage of your loan amount and incorporated into your monthly payment. The PMI lasts until you no longer pose a heightened risk of default, usually near the 20-22% equity range. If you have a hard time accepting this approach, consider a variation of PMI offered through lenders. In this lender-based alternative, known as LPMI, the lender pays the PMI and passes that cost on to you through a higher interest rate on your loan and/or an upfront fee. LPMI often results in a lower initial monthly payment, which could make the difference in being able to afford your dream home. The main disadvantage of LPMI is that it cannot be cancelled. In essence, LPMI spreads out your mortgage insurance over the life of the loan. Typically, you are trading a lower initial monthly payment front-loaded with PMI for a higher monthly payment in later years. Depending on the interest rate, you may be paying a lot more over the long run — which is why most borrowers who expect to stay in their home for a considerable time opt for traditional borrower-paid PMI. LPMI does provide a tax advantage. Since LPMI is tied into the interest rate of your loan, it is also tax deductible because it is considered to be part of your tax-deductible mortgage payment. Traditional PMI is considered separate and not deductible as of this writing. The keys are the combination of interest rate, the size of the loan, and the time you expect to stay in the home. If the interest rate is low enough or you can lower the rate with some upfront fees, it may not matter that the LPMI lasts for the life of the loan. LPMI also makes more sense if you do not intend to stay in the home for a long enough time to reach the 20% equity point that would allow you to cancel traditional borrower-paid PMI. To find out if LPMI is a better option for you, work with your loan officer to do a direct comparison of your costs, both monthly and over the life of the loan. Regardless of the style of mortgage insurance that you choose, there are two ways to keep your premium as low as possible. Casey Fleming, Author of The Loan Guide and Mortgage Advisor at C2 Financial Corporation, explains: "Mortgage premiums today are very highly credit score driven, so the higher your credit score, the lower your premium will be with all other things being equal...[they are] also very dependent on your loan-to-value ratio and it's done in steps." Essentially, the higher your credit score and the lower your loan-to-value ratio is (i.e. more down payment), the lower your premiums will be. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. Of course, if you can afford to make a 20% down payment or more, PMI is not an issue. You may want to consider waiting until you can place 20% down to make your purchase, but in that case you risk missing today's relatively low interest rates — unless you can compensate with future improvements in your credit score. If you decide not to wait, work with your chosen lenders, and remember to consider PMI options as you shop around. Armed with a cost-benefit analysis, you will be able to make the best mortgage insurance choice to fit your needs. MoneyTips is happy to help you get free refinance quotes from top lenders. Photo ©iStockphoto.com/Bliznetsov Originally Posted at: https://www.moneytips.com/avoid-paying-mortgage-insurance-despite-low-down-paymentPrivate Mortgage Insurance 101MIP vs. PMIMortgage Insurance – What Is It?
200 items
Results 11 - 20 of 200 < previous next >