Hey! If you’re interested in applying for a small-business credit card, here are four tips to keep in mind.

1. You will have to sign a personal guarantee, which means you agree to be personally responsible for any debt, regardless of what happens with your business.
2. The application may temporarily cost a few points of your personal credit, as the issuer wants to ensure that you are financially stable before giving you money. Also, depending on where the small-business card reports to, your ...

Hey! Thinking about buying a home? Here are common types of home loans, also known as a home mortgage.

Number 1. A fixed-rate mortgage is usually 15 or 30 years in length, and you pay the same amount each month at a fixed interest rate for the life of the loan.

Number 2. With an adjustable-rate mortgage, the interest rate goes changes periodically, usually according to a schedule, which means payments can go up or down.

Number 3. A hybrid mortgage is typically ...

Hey! If you’re thinking about getting a credit card for your small business, here are five key differences between your personal credit score and your business credit score.

1. Range: Personal credit scores range from 300 to 850, while business scores generally range from 0 to 100.
2. Data: Generally, the business reports and scores only include the business accounts, not your personal accounts.
3. Privacy: With business credit reports, all information is public.
4. Standardization: Business credit score calculators don’t follow a set industry standard and vary ...

Hey! When you develop your strategy for retirement, one way to save for the future is with a qualified retirement plan. Here are a few of the most common types.

Many employers sponsor retirement plans like 401(k)s and 403(b)s. These are limited in the amount you can contribute each year, but employers may match up to a certain amount. These contributions may be taxed, depending on the plan options. Smaller companies offer SIMPLE Plans, which have a similar benefit and lower ...