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Gina Freeman writes about personal finance and has been featured on MoneyRates, The Mortgage Reports, MSNMoney, Fox Business, Forbes, The Motley Fool, and other fine websites. Her background includes tax accounting with Deloitte, over 20 years in mortgage sales and underwriting, systems consulting for Experian, and several years in bankruptcy law. Gina enjoys helping consumers make confident and intelligent financial decisions.

Recent Articles By Gina Pogol

CIT Savings Connect Review 2024

Gina Pogol
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CIT has once again raised its Savings Connect APY, making it one of the best savings accounts of 2024. With no maintenance or ATM fees and numerous conveniences, CIT Bank’s Savings Connect account could be an excellent banking solution for many depositors. Pros and Cons of CIT Savings Connect There aren’t many drawbacks to the… Continue reading CIT Savings Connect Review 2024

How Long Does It Take to Get a Personal Loan?

Gina Pogol
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If you need to borrow money quickly, you have a few options. Fast personal loans minimize the time it takes from application to approval and funding. How long does it take to get a personal loan? That depends on the lender, the loan terms, and how prepared you are when you apply. How Long Should… Continue reading How Long Does It Take to Get a Personal Loan?

The Best Debt Consolidation Loan Rates for 2024

Gina Pogol
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If debt consolidation is right for you, you can choose from several methods. One of those options is a personal loan for debt consolidation. If you consolidate debt with a personal loan, you can put an expiration date on your debt, improve your credit score almost immediately and work toward financial security.

The Best Personal Loans Rates of 2024

Gina Pogol
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Personal loan interest rates from reputable lenders range from under 6% to about 36%. The only way to know if you’re getting a competitive offer is to compare it to offers from competing lenders. You can save hundreds or even thousands of dollars by spending a few minutes obtaining personal loan offers from reputable personal loan providers.

High Yield Reward Checking Account Rates for 2024

Gina Pogol
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Best reward checking programs and checking account rates listed daily by moneyrates.com.

2024 Tax Preparation Fees: What You Need to Know

Gina Pogol
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If you’ve never hired a tax preparer before, you’re probably wondering, “How much does it cost to have your taxes done by a professional?” Average tax preparation fees depend on three factors – How organized are your taxes? Where do you live? How complicated are your taxes?

What Is a Neobank?

Gina Pogol
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Neobanks are disrupting the banking industry with their low fees and ease of use. They provide a mobile-friendly alternative for consumers who want fast, simple, and cheap banking services. Before you rush to open a neobank account, however, you’ll want to understand their pros and cons, safety concerns, and how they work. Neobanks have developed… Continue reading What Is a Neobank?

Personal Loans and Home Equity: A Comprehensive Comparison

Gina Pogol
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If you need money for home improvement, debt consolidation or other big-ticket expenses, what is better? A personal loan, home equity loans or cash out refinance? Learn the pros and cons of personal loans, home equity and cash out mortgage refinancing so you can make the right decision.

When Does It Make Sense to Borrow for Investing?

Gina Pogol
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Is borrowing to invest ever a good idea or is it insanely risky? The answer depends on several factors:

  • Investment returns
  • Borrowing costs
  • Risk tolerance

Some of us are well-positioned to borrow money to invest, while others should probably avoid this practice. Here’s how to evaluate potential investments and sources of funds to make a smart decision.

How to Pay Off Student Loans Early (Dos and Don’ts)

Gina Pogol
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Paying off college debt early can help you save money and get on with your life sooner. And there are several strategies that can help you do this. It’s important that you learn how to maximize the effect of paying extra on student loans before accelerating student loan repayment.

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