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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

What Happens When You Miss a Credit Card Payment

If you don’t pay your credit card bill, the fallout can start small — like late fees — and grow into bigger problems like credit score damag...

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What Is a Joint Loan? How Co-Borrowing Works

A joint loan is a type of financing you take out with another person, called a co-borrower. Both borrowers share equal access to the loan fu...

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What Is an Exchange Fund? How It Works and Who It’s For

An exchange fund is a private investment vehicle that helps investors reduce the risk of holding too much of one stock. Instead of selling t...

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What Is a Stockbroker and Why You Might Need One

A stockbroker is a person or firm that’s authorized to place buy and sell orders for stocks and other investments. Most people today use onl...

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What Is Business Hazard Insurance? Coverage, Cost, and When You Need It

Business hazard insurance is coverage that helps pay to repair or replace business property after certain accidents or disasters, such as fi...

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What Is Passive Investing? Strategies, Pros, and Cons

Passive investing is a long-term, hands-off approach to building wealth by buying investments that track a market index and holding them ove...

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What Pet Insurance Costs (and What Affects Your Monthly Price)

Pet insurance can help reimburse you for unexpected vet bills, but it also adds a recurring cost to your budget. On average, accident-and-il...

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When a Will Isn’t Enough: Key Limits to Know

A will is an important estate-planning tool because it lets you name an executor, choose a guardian for minor children, and explain how you...

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Year-End Retirement Savings Checklist for Your 50s and Beyond

As you get closer to retirement, a few year-end moves can help you save more, avoid costly mistakes, and keep your tax plan on track. This c...

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