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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

How Personal Loan Deferment Works and When to Use It

Personal loan deferment can provide short-term relief when you're facing financial hardship. It allows you to pause or reduce your payments...

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How Probate Works With or Without a Will

Probate is the legal process by which a deceased person’s estate is settled and distributed, either in accordance with their will or under t...

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How Qualified Opportunity Funds Work (and Whether They’re Right for You)

Qualified Opportunity Funds (QOFs) let investors roll eligible capital gains into vehicles that invest in businesses and real estate inside...

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How Refinancing Private Student Loans Lowers Your Costs

If you have private student loans, refinancing them soon could save you thousands of dollars in interest payments. As rates begin to fall, r...

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How Reverse Budgeting Can Help You Prioritize Savings

Paying yourself first is a reverse budgeting method that turns traditional budgeting on its head. Rather than focusing first on bills and di...

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How Safe Are Your CD Deposits?

Certificates of deposit (CDs) are known for offering fixed returns, but many people wonder if their money is truly safe when locked into one...

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How SBA Express Loans Work: Rates, Terms, and How to Apply

The SBA Express loan is a fast-track financing solution backed by the U.S. Small Business Administration that allows eligible small business...

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How SIMPLE IRAs Work for Employees and Small Businesses

A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a streamlined retirement savings option primarily for small businesses with few...

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How Store Cards Affect Your Credit Score: A Complete Guide

Applying for a store credit card at the checkout counter can seem like a savvy way to snag discounts, but it comes with potential downsides...

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