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Personal Finance

TIps and advice on personal finance by Adam K Levin.


  • Credit Cards

    3 Things You Should Absolutely Never Do With a Credit Cardcredit, Personal Finance

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    There are two kinds of credit card advice. What you will most commonly hear are smart recommendations for how to use your credit card. These tips typically include ways to minimize your debt and maximize your rewards while avoiding fees. And while these can be valuable suggestions, some people ignore them and continue to use their credit cards, however imperfectly. But there is another type of advice that goes beyond mere suggestions and is more like a large, flashing […]

  • Debt

    How to Get on the Same Financial Page With Your SpousePersonal Finance

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    When you say “I do,” many wedding vows have you agreeing to a lifetime of better or worse, in sickness and health for richer or poorer. The richer or poorer section of vows may seem silly to two (mostly) financially stable individuals tying the knot. But money can be a point of contention for many marriages. It’s important to take the time to discuss goals and strategies with your partner before the wedding day and then […]

  • Thinking About Taking Out a Loan? Read This FirstFinancial Literacy, Personal Finance

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    The prospect of taking on debt can be nerve-racking, but borrowing money can also help you make life-changing purchases. From funding your higher education to buying a home to meeting other financial needs, most people borrow money eventually. It’s a good idea to remember that it is always a financial risk when you borrow money, so it is important to do your research before making this kind of financial commitment. If you aren’t sure you […]

  • Home ownership

    The Key to a Smooth Mortgage Process? PaperworkPersonal Finance

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    So you are ready to apply for a mortgage or refinance your current mortgage to terms better suited for you? You may be focusing on your home or researching the details of the arrangement, which is great, but you might want to get down to work on paperwork. You will always need to prove your ability to pay when taking out such a large loan. It’s a good idea to be prepared for some serious […]

  • 11 Financial Behaviors You Don’t Want Your Kids to Learn From YouPersonal Finance

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    This article originally appeared on Credit.com and was written by Jeff Rose.  There’s nothing I would love better than to sit down and tell my three boys all the right things do about money. Unfortunately, just as is the case with every other lesson we provide, kids learn more from what we do than what we say. My boys are no exception to this. If our words say one thing, but our behavior goes in […]

  • 3 Employee Benefits You’re Probably Taking for GrantedPersonal Finance

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    Ping-pong table in the office? Free massages at your desk? Gourmet drink making classes on the clock? Some workplaces have really stepped up their game. While these “extras” can seem great, it’s important to make sure you are taking advantage of the important stuff. Check out some of the work benefits you may need to make sure you’re taking full advantage of. 1. Retirement Savings Many employers provide some sort of retirement plan, like a […]

  • Students Are More Freaked Out About College Costs Than Their Parentsstudent loans, Personal Finance

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    Part of the problem with Americans’ insane amount of student loan debt is how many young adults get these loans without really grasping how much they will cost. More often than not, college-bound borrowers don’t have experience budgeting all the expenses that come after college, so it’s understandably difficult to comprehend how a $30,000 annual tuition bill will translate into post-graduate finances. Parents, who have that budgeting experience, would seem to have a better understanding […]

  • Debt

    7 Mistakes That Can Demolish Your Credit Scorecredit, Personal Finance

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    It’s the irony of all ironies: Shortly after writing a story about the risk of paying a department store card late after the holidays, since it’s not in your usual list of bills to pay, I forgot to pay one of mine. To be fair, I did check online for my statement a couple of times, but it wasn’t ready yet. And somehow I missed the mail telling me when it was finally ready. Thankfully, […]

  • Home ownership

    Are Adjustable-Rate Mortgages About to Become Way More Popular?Mortgages, Personal Finance

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    With the Federal Reserve hinting it may soon begin to boost short-term interest rates, will borrowers turn to ARMs to keep enjoying the rock-bottom mortgage rates they’ve grown accustomed to? “Not in a big way,” said Ken Maes, an executive with Skyline Home Loans NW. “ARMs still have a negative perception.” Maes and other mortgage professionals said they don’t expect to see a surge in ARM applications anytime soon. He noted that while initial rates […]

  • How to Avoid Used Car Loan GotchasFinancial Literacy, Personal Finance

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    Used cars have always appealed to the budget-conscious shoppers because of their low prices, but there’s always been a drawback — used car loans. Until recently, bank loans for used cars were tricky to get, and were much more expensive than new car loans. But that’s changing. With car dealers successfully edging banks out of many new car loans, banks have turned their attention to the used car market. Today, more than half of used […]

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