Loans contribute to form a significant part of the funds that come under financial aid. As all loans do, the financial aid loans also need repayment. However, as they are being offered to a student who hasn’t yet started full-fledged earning lifestyle, the government makes sure to provide them with the best possible terms.

Why should I take a life insurance policy? A life insurance policy is a risk management endeavor by which you insure your life so that in the event of your untimely demise, your beneficiaries or dependents receive the death benefit accruing from the life insurance policy based on the premiums you have paid out for the stated period.

LightStream is a national online lending division of Sun Trust Bank Inc., a leading financial services company, that offers debt consolidation loans and credit card consolidation loans to consumers with good credit and who demonstrate a low debt to income ratio. LightStream requires borrowers to have a minimum credit score of 720 to be eligible for availing a loan.

Floods are one of the natural disasters which are capable of causing a lot of destruction and ruining the general order of life. It is capable of destroying our homes and all the possessions. As such it is important that one be prepared for such disasters financially, irrespective of the improbability.

Fast cash is the need of the hour and people would go to any lengths to earn as much as they can in as little time as possible. This urgency to earn fast cash or quick cash can often lead to people indulging in unscrupulous practices such as drug dealing which is quite common in the United States.

A checking account, also known as a transactional account, is one that can be easily opened and allows easy access to money. This type of account is essentially used to make quick bill payments and make the most out of financial transactions. The money from checking accounts can be accessed through the setup of an automatic account, by writing a check, or by using a debit card.

Banks and financial institutions provide their customers with a direct line of credit to pay for goods and services. It can be a credit card or a loan which is taken to fulfill your personal and business needs. The line of credit is determined by a numerical representation of all relevant information to collectively determine your credibility.

There are no second thoughts about the value of gold. Today, many routes are available for investing in gold. Investors can choose to invest in gold ETFs (Exchange-traded Funds), buy gold coins from authorized dealers, or invest in gold stocks. Gold as an asset is valuable because it spreads beyond boundaries.

A company has the responsibility towards its shareholders. It has to report everything fair and true to its stakeholders. It is, therefore, necessary to analyze the company’s financial health from its balance sheet. When making a portfolio, analysts first understand the profit margin of a company, before they add that company to their portfolio.

Liquid assets are possessions that can be instantly converted or ‘liquified’ into cash, whenever required. In a sale, there is little or no effect on the value of such assets, unlike non-liquid assets. Liquid assets are used as securities. They do not have a lock-in period, so you can access them at any point in time.

Banks were made for our convenience but capitalism has managed to make this social institution a money making business. You have to pay for each and every service which you may or may not have asked for. This entire scenario is quite paradoxical and difficult to explain to anyone who does not belong to our society.

Not satisfied with your bank? Want to switch? Fret not! This mini guide for switching banks will save you from the pain of reading long procedures and will help you guide you exactly through the entire switching procedure. Cease activities on your current account The step towards switching banks is to stop all your banking activities on your existing bank account.

Banks these days are adopting new ways to make services easier and quicker for customers—from providing better interest rates, to being accessible in every corner of the country, to going digital. Here is a list of the top 5 banks in Alaska and the reasons thereof. Chase Bank Chase Bank provides signup bonuses to new customers, and with relatively low fees, it is one of the preferred banks in the country.

Colorado houses a large number of financial institutions, including banks of all sizes and types. If you are looking for a precise number, there are 150 banks to choose from and thousands of products to navigate through. Here is a list of a few banks based on different criteria. Scroll through and decide which one suits your financial needs and requirements.