melissacook

Melissa Cook

Melissa has a degree in English and marketing from University of California Irvine. She is a creative and accomplished content writer and editor with comprehensive experience developing rich, compelling content for a variety of websites. With her expertise in writing a broad range of content, combined with outstanding interpersonal skills and commitment to exploring innovative ideas, Melissa has done an excellent job developing content for blogs, articles, social media, and the company website. When she is not writing, Melissa spends most of her time cooking, traveling the world, and catching her favorite Broadway shows.


How To Do A Balance Transfer To Help Reduce Your Debt Faster

Updated Nov 15, 2023
By Melissa Cook
How To Do A Balance Transfer To Help Reduce Your Debt Faster

Balance transfers can help you reduce your overall debt and eliminate multiple high monthly credit card payments. Many cards offer an introductory rate of 0% APR for 12 to 21 months...

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What Is A Jumbo Loan? (Little-Known Details Revealed)

Updated Nov 08, 2023
By Melissa Cook
What Is A Jumbo Loan? (Little-Known Details Revealed)

These loans are typically used to finance expensive properties, such as luxury homes or properties in high-cost areas that most people do not know about, but can be very beneficial for those...

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What Is A Charge-Off And How Does It Affect Your Credit Score?

Updated Nov 01, 2023
By Melissa Cook
What Is A Charge-Off And How Does It Affect Your Credit Score?

A 'Charge-Off' can also refer to the action of writing off a bad debt by a company for accounting purposes. This essentially means that the creditor has given up on collecting the debt from...

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What Is the Difference Between A Charge Card and A Credit Card?

Updated Nov 01, 2023
By Melissa Cook
What Is the Difference Between A Charge Card and A Credit Card?

You might have encountered the terms “charge card” and “credit card” being used interchangeably, but they are not the same. On the surface, they may look identical and make purchases...

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What Is APY? (And Why It Is Important When Making Financial Decisions)

Updated Oct 25, 2023
By Melissa Cook
What Is APY? (And Why It Is Important When Making Financial Decisions)

When you invest in a savings instrument, you encounter two interest-related numbers: The nominal interest rate and the APY. The issuer, such as a bank, credit union, or another financial...

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What Is An Overdraft Fee And The Steps To Avoid Getting One

Updated Oct 17, 2023
By Melissa Cook
What Is An Overdraft Fee And The Steps To Avoid Getting One

An overdraft fee can increase the cost of your purchases and cause more financial strain if you’re already strapped for cash. The key is to avoid them, and here is how to do just that...

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Savings Account Vs. Checking Account: Choosing The Right One For You

Updated Oct 16, 2023
By Melissa Cook
Savings Account Vs. Checking Account: Choosing The Right One For You

When it comes to bank accounts, they're not all created equal. Depending on your financial goals, you'll want to choose one that meets your current and future needs. Find out...

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Determining How Much To Save For Retirement – A Choice That Will Certainly Affect Your Future

Updated Oct 12, 2023
By Melissa Cook
Determining How Much To Save For Retirement – A Choice That Will Certainly Affect Your Future

People often think they know how much to save for retirement. But the fact of the matter is that they either don’t have an understanding of how much they’ll really need to retire in...

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How To Calculate Compound and Simple Interest

Updated Oct 05, 2023
By Melissa Cook
How To Calculate Compound and Simple Interest

Understanding how to calculate compound and simple interest is like possessing a financial compass—it helps you plan your financial goals and work towards them. Here, we'll show you...

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