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  • Settle debt

    6 Big Mistakes People Make When Settling DebtPersonal Finance

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    If you can’t pay back a debt you may be able to settle it for less than what is owed. The goal in doing so is pretty straight forward — you want to get the creditor to accept a lower payment amount than the current balance on the loan or account. However, getting there can prove to be a challenging task and there are some mistakes you’ll want to avoid when trying to settle a […]

  • Wells Fargo Fraud

    Wells Fargo: Are You Being Swindled Right Now?Personal Finance

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    Wells Fargo is still reeling in the aftermath of a major scandal, the latest news being that the banking behemoth lost its accreditation from the Better Business Bureau. While perhaps not an extinction level event, think of this as getting panned by Ben Brantley of the New York Times on the opening night of your $50 million Broadway show. So here’s a question right up there with jelly bean jar guesses at the number of […]

  • Debt

    5 Credit Score Myths You Can’t Afford to Believecredit, Personal Finance

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    It’s no surprise there are misconceptions surrounding credit reports and credit scores. It can be easy to have these misunderstandings, whether because of social media, friends and family, or simply your own interpretations. But believing myths about credit could ultimately damage your credit scores, resulting in lost opportunities and possibly even higher interest rates. But you can do something to help prevent that from happening to you. These are five credit score myths that you just simply […]

  • Credit Card Interest Rate

    Your Credit Card Can Keep You From Getting Ripped Off. Here’s How.Personal Finance

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    When most people think of the value that credit cards offer, they first think of its power as a method of payment, and the ability to earn rewards. But some of the most valuable features of your credit card are its purchase protection policies. These policies can protect you, for instance, when your shiny new phone gets stolen, that camera you bought online arrives broken or your computer breaks just outside its warranty. Unfortunately, most […]

  • Credit Card Mistake

    Major Title Loan Lender TMX Finance to Pay $9M for Misleading CustomersConsumer Protection, Personal Finance

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    One of the nation’s largest title loan firms was fined $9 million for misleading consumers about their cost of borrowing, federal regulators said Monday. TMX Finance, the parent company of TitleMax, allegedly tricked borrowers into taking out longer-term, more expensive loans, and also used illegal debt collection tactics, according to the Consumer Financial Protection Bureau. The firm was ordered to stop the illegal tactics. TMX, in a statement, said it settled the case without admitting […]

  • infected computer

    Careful! Those zip files in your inbox can zap your computerPersonal Finance

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    You’re busy, so I’ll say this fast and loud: DON’T OPEN UNEXPECTED ZIP FILES THAT ARRIVE AS EMAIL ATTACHMENTS. Suddenly, there are a lot of them around. That advice is nearly as old as email, but as they say, everything old is new again. And the internet is newly awash in spam sending out booby-trapped zip file attachments. My inbox has seen a steady trickle of the stuff for the past couple of months, but […]

  • student loan debt

    The Weird Way Missing a Student Loan Payment Can Absolutely Destroy Your Creditstudent loans, Personal Finance

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    If you have student loans and have looked at your credit reports, you might’ve noticed there are multiple entries for your loans. That’s because each disbursement can be reported as a separate loan, even if you make just one repayment each month. And while a student may get just one federal loan for the year, it will usually be given to them in two or more disbursements. Multiply two or three disbursements over a four- or five-year […]

  • shred credit card

    Do I Need to Shred My Old Credit Cards?Personal Finance, Identity Theft

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    Chances are you’re probably already shredding documents like your bank and credit card statements before discarding them. You might even be taking the extra step of shredding things like credit card applications and other pieces of mail you receive since they contain personal information, such as your address. But are you shredding old credit cards when you get a replacement card? If you aren’t, you probably should. “With the proliferation of data breaches, phishing scams and ID theft, […]

  • will

    How to Have ‘The Talk’ With Your Family About Your WillFinancial Literacy, Personal Finance

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    Most people never disclose the details of their estate plan to their children, who may also be their successor trustees, executors, and agents. As a result, after they die, the children are left to guess about their deceased family member’s true intentions because of the sterile, legal language used in their parent’s will or living trust. It’s also true that many children are not even sure that their deceased parent wrote a will, much less […]

  • kids hacked

    5 Ways Your Kids Can Get You HackedColumn, Data Security, Personal Finance

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    For adults, home is a refuge, but for children it is a never-ending treasure hunt. While you’re out — you know, paying for the place — it’s a safe bet your kids are getting into your stuff, and when it comes to things digital, that can be a serious problem. As a seasoned parent, you’ve had that shock a thousand times, looking up from your phone, tablet or computer to the sight of a child […]

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