Cobalt Financial

Shop For a Personal Loan With a Low Credit Score

You still can snag a personal loan when your credit score stinks. Here’s how.

When It Comes to Getting PPP Loans, Small Banks Work Better than Big Banks

Paycheck Protection Program support was easier to get in states where small banks had more of the market. Keep this in mind as we head toward a second round.

Here’s how easy financial conditions are in credit, according to Deutsche Bank

Lending standards in the U.S. are the easiest ever for companies, with real yields in corporate credit markets falling to their lowest level, according to a research note from Deutsche Bank.

Survey Finds 57% of Homeowners Plan to Use Stimulus Check on Home Improvements—and These are the...

Now that the American Rescue Plan has cleared Congress and the President, you are closer than ever to receiving a $1,400 stimulus check (if you haven’t already). Many Americans will be using these funds to cover rent or mortgage, utility bills, childcare, and other immediate needs. However, a recent survey by Modernize.com, a website dedicated …

Selling to and Buying From Pawn Shops: How Do Pawn Shops Determine Value?

Before approaching a pawn shop, learn how do pawn shops determine value of items pledged as collateral. Pawn shops will look into the condition of the item, its resale value, and appraised market value to determine its price and offer you the same. Learn here the ins and outs of buying and selling to pawn shops, including the regulatory agencies which govern them.

Impulse Buys Make You Feel Good, But At What Price? : Enemy of Debt

According to the 2012 Shopper Engagement Study, we as consumers make grocery shopping decisions in the store at a rate of 76%, causing us to spend more than originally intended. Even with the best laid plans, coupons, shopping circulars, and a specific list statistics show we are drawn to spend more. Research shows tough current economic conditions cause us to “splurge” at the grocery store for psychological reasons we don’t even realize at the time. As I pondered that thought I realized even…

Our Guide to Buying a Diamond Ring from a Pawn Shop

Purchasing the perfect diamond ring from a pawn shop requires a little bit of patience, luck, and knowledge. The great news is that pawn shops are always getting new diamond rings, so you never know what you will find each time you visit. Because of this, it is something of an exciting adventure

Where Does Financial Aid Come From?

Once you hit send on those financial aid applications, what happens next? Money doesn’t suddenly fall onto your doorstep, so where does it come from? In being a good consumer, it is good to know this information. Where do financial aid dollars come from? There are 4 primary sources of financial aid: Federal Government (58% of …

Ask Chuck: How to Recover from Financial Infidelity

Financial infidelity is, in effect, cheating on a spouse. It is a growing problem. To function properly, a marriage takes both hands working together under a common head. Communication and planning grounded in biblical financial principles are the keys to financial success.

How I Rebounded From My Husband's Financial Infidelity

The author of 'Gold Diggers and Deadbeat Dads' explains how she was gobsmacked by financial infidelity and ways to avoid that happening to you.

Steven Merrell, Financial Planning: Leaving it all behind — the right way

I’m sure you have heard the old story about the rich man who died. One friend asked, “How much did he leave?” to which the other friend replied, “All of it.” This is the ultimate fact of life. No m…

How to Declare Financial Independence Like Harry and Meghan

Whether you’re giving up a royal stipend or just paying for your own cell phone plan, here are tips to claim your financial independence.

VSAC shows you how: Appeal your financial aid offer

WINOOSKI — Vermont Student Assistance Corp. is offering a free online webinar on how to appeal your financial aid offer, on Tuesday, April 26 at 6 p.m. Students and families

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Ask Carrie: How Do You Recognize Financial Abuse?

Dear Carrie,I’m concerned that my son is in a financially abusive relationship. Because his fiancée claims to be better with money, she manages all their finances, including his salary, and controls their accounts. As a result, he’s totally reliant on her for anything he wants, even spending money. I don’t see this as healthy. I [...]

Keep Momma Away from This Financial Adviser

When a family member wants to be your financial adviser, watch out!

How Siblings Affect Financial Aid Packages

Having two kids in college will affect financial aid. Learn about the EFC & how to navigate the sibling factor.