Dori Zinn

If you’re looking to build up residual income, there are a few ways to do it so you have some money stashed away when you need it.

Residual income has several meanings but in personal finance, it is what's left after you've paid all of your bills and other expenses.

Credit use has a significant impact on your credit score. Here's why it matters and how you can lessen its impact.

5 min read Keeping your private information and documents safe isn't always easy.

What is a municipal bond and are they a safe investment? Here’s what you need to know before putting your money into “muni” bonds.

Graduated repayment plans are based on the premise that your income will increase over time, allowing you to make larger payments as it occurs. Most federal student loans qualify for a graduated repayment plan. Consolidated and non-consolidated student loan graduate repayment plans are different.

If you expect your income to grow significantly, consider graduated repayment.

Many national organizations exist that can help you manage student loan debt. You can take other steps to get help, such as contacting your lender or enrolling in an income-driven repayment plan. Before seeking help, do your research about the organization to avoid debt relief scams.

· Contributing writer · 5 min read A revolving account, such as a credit card, can play a large part in your credit score.

· Contributing writer · 5 min read Business travelers who are Hyatt loyalists will like the nice welcome offer and