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Personal Finance

TIps and advice on personal finance by Adam K Levin.


  • When Chicken Little Comes Home to Roost: Why Many Americans Aren’t Concerned About a National Debt DefaultPersonal Finance

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    With everyone from the Treasury Department to the International Monetary Fund to the World Bank to several of the country’s top economists warning about massive international economic disruption if the U.S. fails to raise the debt ceiling, thereby triggering a default, one might think that Americans would be a shade nigh of collective hysteria — and calling, emailing, texting, or sending flocks of carrier pigeons to their elected representatives to complain — about their own […]

  • Empty pocket

    3 Ways Regular Americans Will Be Hurt by a Debt Ceiling DefaultPersonal Finance, Money

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    Many Americans this week may be asking themselves: Why should I care about the debt ceiling, or the — barring Congressional action — coming default? You’ve heard about it in the news but, much like the sequester or the shutdown, you’re not quite sure how it’ll affect your daily life. Put simply, unlike corporate tax cuts, a debt ceiling default will have a trickle-down effect that will affect your wallet in one way or another. […]

  • 7 Credit Mistakes That Could Wreck Your RetirementFinancial Literacy, Retirement, Blog, Personal Finance

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    Yes, just like clockwork it happened again this year: I got older. As of this week, the Beatles song, “When I’m Sixty-Four,” went from being a hypothetical to a reality for me. This means that next year, I will officially become a senior citizen. It’s a jarring prospect. Like most baby boomers, I don’t feel especially old. We’re the cool ones, the generation that brought America rock ‘n’ roll, yoga, and the belief that we […]

  • 7 Steps to Deal With HR Looking at Your Credit ReportBlog, Personal Finance, Privacy, Money

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    Employers don’t like surprises. They want to know everything there is to know about you, which is why you shouldn’t be surprised to learn that many look at prospective employees’ credit reports as part of their application process. One 2010 study from the Society of Human Resource Management estimates that 60 percent of companies checked some (or all) job applicants’ credit reports. This is a practice that many people understandably find objectionable – some find […]

  • The New American Dream: It’s Not What You ThinkBlog, Personal Finance

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    A great number of Americans are redefining the American Dream. That was the takeaway from a recent Credit.com poll, which showed that nearly one in four people between the ages of 18 and 24 defined the American Dream as being debt-free. Shockingly, that’s more than those who dream of owning a home. The poll underscores something I have long suspected — there’s a great deal of nostalgia for a promise that increasingly and tragically looks […]

  • The Secret to Beating a Car DealershipBlog, Personal Finance

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    As the first snap of the football season approaches, baseball builds to the crescendo of the World Series and duck hunting season is less than as month away (at least in some parts of the country), another kind of contest begins in earnest. Wading their way through billions of dollars of ads and eagerly navigating through fields of auto-malls, consumers are on the hunt for the best deal on a 2013 model, oblivious to the […]

  • Children and data

    7 Huge Mistakes Back-to-School Shoppers MakeBlog, Personal Finance

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    If you have kids in school — K through 12 or college — you don’t need anyone to remind you that back-to-school season has arrived. Between those early-season sales and last-minute shopping, there’s plenty of potential for trouble in the realm of personal finance — all the more so if you’re buying school supplies or clothes on a tight or non-existent budget. After you survive this ritual, there is a veritable conga line of holidays […]

  • Debt

    10 Really Dumb Things You Do With Credit CardsFinancial Literacy, Blog, Personal Finance

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    Like it or not, we are a credit card culture. They seem to be everywhere. They are on TV, being promoted by the likes of Jimmy Fallon, Alec Baldwin and “Ogre” from Revenge of the Nerds. The imagery is pervasive, and some places ONLY take credit or debit cards. They are also, obviously, in our wallets. There are an estimated 1.5 billion credit cards in use in the United States and that can make them […]

  • How to Prepare for Any DisasterFinancial Literacy, Retirement, Lifehacking, Blog, Personal Finance, Money

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    Disasters disrupt life in unimaginable ways, making those affected much more vulnerable to secondary disasters — the kind caused by criminals. I’ve been through a number of earthquakes and lost a home to Hurricane Sandy. I know how all-consuming the aftermath can be. Wildfires, tornadoes and other natural disasters seem to be happening more and more these days. The National Oceanic and Atmospheric Administration warns that the 2013 Atlantic hurricane season will be “above normal […]

  • 5 Reasons You Can’t Ignore Your CreditFinancial Literacy, Blog, Personal Finance

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    “Living debt free” is a nice slogan, and beyond that it’s something we should all aspire to. Unfortunately, some people couple this concept with living credit free. That is a far different story. For most people credit still represents something that happens to us, rather than something we can build, nurture, manage and protect like an investment portfolio. A lot of folks simply don’t like the idea of credit or the fact that banks and […]

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