The cost of a loan

Interest is the most expensive cost in a loan. Rates on home equity loans are either fixed or variable. Fixed rates stay the same over the life of the loan while variable rates move up and down. Bankrate.com's latest survey of 4,000 banks shows the average rate on home equity loans.

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Finding The One

What kind of card carrier are you? Here's how to find a magnetized yin for your spending yang.

Don't expect the lights to dim while the sound of soaring arias fills the air. We doubt that when it happens, your heart will skip a beat, your face will flush, or that white doves will suddenly flutter to life.

No, we're not trying to keep your expectations in check for the significant other of your dreams. We're talking about that moment when you meet your match -- when you find the perfect credit card.

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The Hidden Perks of Plastic

How to use the bonuses that lenders don't advertise to work the system to your advantage -- not your lender's.

Love your credit card. Be one with your credit card. Take a deep cleansing breath. Together now: "Om. Visa Ommmm."

You must think we Fools flipped our jingle-capped heads. We've been known to carry on a bit about the lending industry's less-than-centered ways. But the truth of the matter is that we Fools don't hate credit cards. We just don't like some of the underhanded practices we've seen some of them employ.

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Fool's Rules of Credit Management

Follow these Fool's Rules to win at the borrowing game. These are the 10 Credit Commandments you can't live without.

It's the most widely available financial product there is. More than 80% of households have at least one credit card. And if you dare to classify yourself as "average," you have about eight charge cards currently demagnetizing themselves in your wallet.

To bolster your standing as an upstanding citizen of the world of plastic money, follow these Fool's Rules of credit management.

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Credit reports explained

I have a copy of my credit report. What should I be looking for?
Check for late payments and credit cards you no longer use that you never closed out. Most importantly, look for any incorrect information on your credit report.

If you find a mistake -- an account that isn't yours or a disputed amount -- you'll need to fill out the form that comes with the report, or follow the instructions on the explanatory sheet.

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learn more about Mortgage ,Auto loan,Home Equity and credit Basics