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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Why Multiple Credit Card Applications Are Risky With Bad Credit

If you have bad credit, applying for the wrong credit cards can actually make things worse. Every time you submit an application, a hard inq...

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Why Paying Only Minimum Credit Card Payments Costs You Thousands

Paying off credit card debt isn’t just about crunching numbers; it’s about understanding your mindset and financial history. While debt payo...

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Why Saying No at the Dealership Can Save You Thousands

When purchasing a new car, buyers often encounter upsells on add-ons and protection plans. Car dealerships strategically present these offer...

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Why Trailing 12 Months Analysis Matters for Small Businesses

A trailing 12 months (TTM) calculation provides a rolling view of your business's financial health by analyzing the most recent 12 months of...

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Why Whole Life Insurance Costs More Than Term

Whole life insurance is a type of permanent life insurance that can stay in force for your entire lifetime and build cash value along the wa...

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Why You Might Want to Switch, Not Cancel, Your Credit Card

As your lifestyle and financial needs evolve, so should your credit card strategy. A product change — upgrading or downgrading an existing c...

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Why Your Electric Bill Is So High and What You Can Do About It

A sudden jump in your electric bill can feel like it came out of nowhere, especially if you haven’t changed your routine. While seasonal hea...

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Wills and Trusts Explained: Costs, Process, and When to Use Each

Wills and trusts are tools for getting your assets to the right people, but they work differently: a will speaks after you die and often goe...

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Wire Transfers Explained: What You Need to Know

Wiring money is a reliable way to send large sums quickly, whether across town or across borders. Unlike peer-to-peer payment apps, wire tra...

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