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Danielle Klimashousky

Home Buying and Credit Card Expert

Danielle Klimashousky is a freelance writer who covers a variety of personal finance topics for SmartAsset. She is an expert on topics including credit cards and home buying. Danielle has a BA in English from Wesleyan University.

Posts by Danielle Klimashousky:

by Danielle Klimashousky Jun 11, 2018

If you’ve ever gotten into a bad credit situation, you’ve probably looked for any way to fix it. One fix that you may see companies advertising is a CPN, but be very careful. A CPN stands for a credit privacy number or credit protection number. These numbers are similar to Social Security numbers, although they do not replace your SSN. They’re typically used when you need extra security, like if you’re under witness protection. Contrary to what many websites may tell you, you cannot buy a legal CPN on the internet to fix your credit rating. Do not fall for this scam! Read more

by Danielle Klimashousky Dec 19, 2017

There are a lot of things to think about when you get a credit card. Aside from getting the best credit card rewards, you’ll hear about things like balance transfers, credit scores and APRs. But what about a simpler question like how to pay your credit card bill? Read on as we explain the best time to pay and what do you need to know in order to do so properly. Read more

by Danielle Klimashousky Jul 17, 2019

Investment management, also called asset management, money management or portfolio management, refers to the professional management of an asset portfolio. Investment managers buy and sell securities and other assets to achieve specified investment goals. Both private investors and corporations use investment management services to handle their investments. Here’s what you need to know. Read more

by Danielle Klimashousky Dec 07, 2017

When a bank or other lender runs a credit check on you, they will most likely look at your FICO score – the most widely used type of credit score – to determine your creditworthiness. According to… Read more

by Danielle Klimashousky Dec 08, 2017

Every so often, your credit card company may send you a few blank checks in the mail with your statement. You can use these checks to make a purchase like you would with a personal check or credit… Read more

by Danielle Klimashousky Dec 04, 2017

Whenever you apply to borrow money, whether through a credit card or a mortgage, the potential lender will run a credit check on you. This credit check looks at your credit report and your credit… Read more

by Danielle Klimashousky Feb 26, 2020

When deciding how to invest your money, you’ll likely run into two types of funds: exchange-traded funds (EFTs) and mutual funds. But you may be wondering, ETF vs. mutual fund? What’s the difference?… Read more

by Danielle Klimashousky Aug 21, 2019

One of the most important considerations when evaluating your portfolio is figuring out what the return on investment (ROI) is for all the investing choices you make. Return on investment is a ratio… Read more

by Danielle Klimashousky May 15, 2018

For someone seeking to get a start on major money projects, hiring a financial planner is a good first step. A financial planner will first assess her client’s financial situation. Then, she will… Read more

by Danielle Klimashousky Sep 12, 2018

Are you interested in investing in mutual funds, but find them complex and overwhelming? If this is the case, it may be time to turn to an expert. A chartered mutual fund counselor – or CMFC – is a… Read more

by Danielle Klimashousky Feb 04, 2020

If you are looking to invest money with a brokerage firm or an individual stockbroker, it is important to do your research first. Other wise, you could end up being a victim of fraud. One of the… Read more

by Danielle Klimashousky Jan 08, 2020

When you are looking around for a financial adviser to hire, you’re likely to encounter an assortment of initials after each financial professional’s name. CFA, CPA, CLU. These letters signify… Read more

by Danielle Klimashousky Aug 18, 2017

Any business that wants to accept credit cards as payment needs a credit card processor. The processor opens up the channel of communication between the merchant’s store and the client’s bank. It… Read more

by Danielle Klimashousky Mar 18, 2019

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been… Read more

by Danielle Klimashousky Mar 18, 2019

If you’re thinking about becoming a Costco member, one of the first questions you probably have is what credit cards does Costco accept? Costco is the largest members-only warehouse club in the… Read more

by Danielle Klimashousky Jun 06, 2018

The scenario: You’ve found your dream house and negotiated a price that’s just barely within your budget. Then, you get a copy of the sales contract and to your surprise, the incidental costs… Read more