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Articles by Rand Millwood
What Is Digital Gold? Advantages of Digital vs. Physical Investments
Gold has always been in demand as a safe haven during periods of economic uncertainty, and it’s a particularly hot investment right now. As the stock market has faltered, the value of gold has hit new highs. However, not everyone has enough money to buy an ounce of gold—valued at $3,350 as I’m writing this in mid-April 2025—and not everyone wants to store physical gold. In that case, digital gold may be a good investment option. What is digital gold?
Wage Garnishment: What It Is and How to Stop It
When you can’t pay a creditor, wage garnishment to pay the debt can make tough times even tougher. Wage garnishment is when a creditor or the government legally requires your employer to deduct a portion of your paycheck until your debt is paid. However, creditors can’t take as much as they please from your hard-earned wages. They must comply with consumer protection laws that limit the amounts your employer deducts.
How Much Can I Borrow on a HELOC?
A home equity line of credit, or HELOC, allows homeowners to borrow money using the equity in their home as collateral. It functions like a revolving line of credit, similar to a credit card, where borrowers can access funds up to a set credit limit and repay the borrowed amount with interest. HELOCs are flexible and can be used for many purposes, such as home improvements, debt consolidation, or other expenses.
Floor Rate on a Home Equity Loan or HELOC
A challenge with variable interest rates is knowing what to expect. But one thing you can count on is the floor rate. This is the ultimate bottom line, the minimum interest rate you’ll ever pay. Don’t get caught off guard. Read on to find out about the floor rate and how it can affect your home equity loan or line of credit (HELOC). In this guide: The basics of an interest rate floor How do floor rates affect home equity loans?
How Does Homeowners Insurance Work?
If you own a home, you know how important it is to protect your investment. Many things that are completely out of your control could happen to your property. Fire, theft, tornados, or a slip and fall on your property are just a few examples. Homeowners insurance is designed to financially protect you from these events and more, so you’re not left footing the bill. But before you choose a policy, it’s essential to understand how life insurance works.
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