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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

What You Really Need to Apply for a Small-Business Credit Card

A small-business credit card can be a powerful financial tool for entrepreneurs, freelancers, and even side-hustlers looking to manage expen...

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What You Should Know Before Restarting Your 30-Year Loan

Refinancing your mortgage back to a 30-year term can provide welcome relief in the form of lower monthly payments, especially if you're feel...

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When and How to Refinance Your Private Student Loans

Refinancing private student loans can be an effective way to lower interest rates, reduce monthly payments, and secure better loan terms. As...

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When Can You Refinance? A Breakdown by Loan Type

Refinancing a mortgage can depend on the type of loan you have and the refinancing option you choose. Some mortgages allow immediate refinan...

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When Converting Life Insurance Makes Financial Sense

Converting a term life insurance policy to whole life insurance can offer long-term financial benefits and help meet evolving personal or fa...

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When Small Businesses Should Get Commercial Auto Insurance

When you're a small-business owner, distinguishing between personal and business expenses isn't always simple — especially when it comes to...

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When the Appraisal Comes In Low: Cash, Clauses, and Smart Negotiation

When a home’s appraised value comes in lower than your offer, you’ve got an “appraisal gap.” You can bridge it with extra cash, negotiate th...

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When to Change Financial Advisors and How to Do It Right

Choosing the right financial advisor can have a major impact on your long-term financial health. While performance matters, it's not the onl...

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When to Get Life Insurance and What Type to Choose

Life insurance can be an essential financial tool if your death would create a financial burden for others. Whether you're a parent, a partn...

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