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Blogs and article by Adam K Levin about credit, identity theft, data security, and consumer protection.


  • Student loan

    5 Ways Student Loans Hurt Middle-Class KidsEducation, Blog

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    Student loans are supposed to help middle-class kids pay for a college education, but these days they can do more harm than good. It’s high time we did something about that. If you imagine a world where the federal government and private lenders actually partner with students, instead of treating them as a profit center, have I got a bridge investment deal for you. As things stand, the Affordable Care Act has a better shot […]

  • Should You Pay Off Your Ex’s Credit Cards?Blog, Personal Finance

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    When the Love Boat morphs into the Titanic and you are flailing in the icy waters of the North Atlantic, the banks are not rescuers, they’re sharks. In other words, divorces can get messy — sometimes really messy — and it should come as no surprise that money is often at the root of the problem. Getting through the divorce is hard enough, but the money problems don’t always end when the papers are signed. […]

  • How Much Student Loan Debt Is Too Much?Education, Blog

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    Some call it the Student Loan Bubble — I call it crazy. And what better time to discuss student debt insanity than now, as countless soon-to-be graduates prepare to slip on their caps and gowns? An estimated 1.8 million students are graduating this year, many with degrees that perhaps aren’t worth a damn when it comes to actually getting a job. Nevertheless, many of them will soon be paying back the tens or hundreds of […]

  • 4 Big Problems With Social Security NumbersGovernment, Blog, Identity Theft

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    A Social Security number is like a skeleton key — able to unlock a kingdom of untold riches for identity thieves. It is the central piece of data needed to hijack our credit, steal our health insurance, use us as human shields and generally wreak havoc in our lives. And every day, two branches of the U.S. government — the executive and the legislative — put our identities and sometimes even our lives at risk […]

  • ‘The Best Form Of Consumer Protection? Self-Protection’Financial Literacy

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    We can debate — if you want — whether the newly created Consumer Financial Protection Bureau was necessary. (I think it was.) But there is absolutely no doubt that its director Richard Cordray has hit on a huge — but mostly overlooked — public policy problem. I’ll let him explain. “We must start with the importance of fostering broader recognition that educational and informational support in matters of personal finance are essential pillars of life […]

  • 5 Money Lessons Every New Graduate Needs to KnowFinancial Literacy, Education, Blog, Personal Finance

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    Yes my friends, it’s that time of year again. No, not allergy season — graduation. That seminal moment in our lives when, in ceremonies of varying degrees of pomp and circumstance, our elders pass on the wisdom of the ages to those of us who are evolving from the shelter of the ivory tower to the stark reality of the “real world.” Tens of thousands of graduates will likely hear that Emerson nugget “Hitch your […]

  • Hate Universal Background Checks? Meet the Gun ScoreGovernment, Blog

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    A sufficiently large minority of the U.S. Senate demonstrated their Orwellian allegiance to the gun lobby last week — or their fear of it — by blocking several commonsense measures that would have expanded background checks for gun buyers while imposing a ban on both assault-style rifles and high-capacity gun magazines. The knee-jerk “no” votes were so pervasive that a law imposing stricter penalties on gun traffickers (supported by the National Rifle Association) even got […]

  • OCC Ya! The Government Agency That Should Fine ItselfGovernment, Blog

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    This just in from the “It Couldn’t Possibly Get Any Worse” Department: The first wave of checks from the bungled foreclosure abuse settlement landed in mailboxes around the country this week, but when people tried to cash them, a number of them bounced. I don’t know about you, but if someone who worked for me screwed up something like a $3.6 billion payout, I’d fire them. Let’s face it. The biggest bank regulator in the […]

  • The Tax Form That Could Save Your Refund From ThievesGovernment, Blog, Personal Finance

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    The Bible tells us, “It is better to give than to receive.” Most Americans don’t feel that way on April 15. But when the Lord (a.k.a., an IRS algorithm) shines his countenance upon us and a portion of what we paid is returned in the form of a tax refund, it seems only fair that we actually get to spend that money. Unfortunately, this is not always how it works. In 2011, 1.5 million Americans […]

  • Debt

    The Biggest Credit Mistake People Make (Plus 3 Tips)Financial Literacy, Blog, Personal Finance, Money

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    Some credit mistakes are obvious. Everybody knows the big one: Failing to pay your bills on time. If you’re looking to wreck your credit score, there’s no faster way. Some credit mistakes aren’t so obvious. What’s worse, the biggest secret credit mistake — the one most people don’t even know they’re making — actually happens when people are trying to turn their credit score around and be more financially responsible. That mistake is closing credit […]

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