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Personal Finance


  • Password

    7 Steps to Safer Passwords for All Your Online AccountsPersonal Finance

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    Some passwords are funny. Some are pretty weird. Some can be a math problem. Many can be laughably easy to hack (I give you “dadada, ”“qwerty,” “password” and”123qwe” to name a few.) — or very tricky. But one thing is for sure, they are never really 100% hack proof. Earlier this month, news broke that a significant number of Twitter passwords had been compromised and were being offered to anyone willing to fork over 10 […]

  • Broke grad

    What Can I Do If My Roommate Won’t Pay Rent?Personal Finance

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    So your roommate did the unthinkable and stopped paying rent. You like the person, really, but just thinking about it turns your stomach, and you’re deeply concerned about what this could do to your finances. For starters, your landlord could notify a consumer reporting company such as RentBureau, which is owned by the credit bureau Experian, about the missed payments. And if your landlord is really upset, they could skip that step altogether and contact the credit bureaus directly. Either way, […]

  • Housing wealth

    When’s the Best Time to Sell Your House?Mortgages, Personal Finance

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    If you’re looking to sell your home, you may want to wait until the spring or summer months set in. Sure, that may not sound like the best use of the nice weather, but putting any travel on hold as you try to relocate could prove worthwhile. The best time to sell is generally anytime between mid-April and October 1, said Scott Sheldon, a senior loan officer at Sonoma County Mortgages, in California, and a Credit.com contributor. “The weather is nice. People […]

  • Breakup

    3 Money Mistakes You Might Make After a BreakupPersonal Finance

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    Breakups aren’t fun. One thing that can make a divorce even less enjoyable is dealing with the financial complications that often come along with it. Many couples don’t pay enough attention to the impact a divorce can have on personal finances. However, not taking care of the details can mean big trouble for your financial health for years to come. Here are three big money mistakes couples make after going through a divorce. 1. Forgetting to […]

  • Credit Card

    Credit Card Debt in America Is Almost Back Up to $1 Trillioncredit, Personal Finance

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    Americans are racking up credit card debt like it’s 2008. That’s according to The Wall Street Journal, which reports U.S. credit card balances are on pace to reach $1 trillion this year, as consumers grow more comfortable with carrying debt and banks continue to push their plastic. The sum is just shy of the all-time peak of $1.02 trillion set in July 2008, just before the financial crisis set in. The Journal cites a steady economy and lenders signing […]

  • Scams

    6 Scams to Watch Out for This SummerPersonal Finance

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    Summer will be here before you know it, and with it come new and old scams. As you consider possible escapes — travel to exotic places; trips to the beach, the mountains or the golf course; a staycation to get much needed work done around your house — bear in mind that these diversions provide the perfect opportunity for con artists and identity thieves just waiting to insinuate themselves into your life, becoming the sand […]

  • Home buying

    Remember: Keep Your Tax Returns If You’re Looking to Buy a HomeMortgages, Personal Finance

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    If you were planning to buy a home or refinance one you already own, you can expect to encounter a lot of paperwork. But here’s one thing you probably didn’t know: Tax returns aren’t always required. If you are a W-2 wage earner, there is a smaller chance you’ll need to provide tax returns than if you’re self-employed. If you’re self-employed, the only way a lender can determine your income is by examining your tax […]

  • Debt collection

    Will a Debt Take Longer to Drop Off My Credit If Another Debt Collector Buys It?credit, Personal Finance

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    When a debt goes into collections, it may change hands several times. Creditors may sell the debt or contract another agency to collect it and this could happen more than once, depending on how much time has gone by with the debt remaining unpaid. It’s important to keep track of who is managing your debt so you know who to pay back and when. (You can find tips for negotiating with a creditor here.) Having a […]

  • Retirement

    How to Delay Taking Social Security Benefits Until You Absolutely Have ToRetirement, Personal Finance

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    I recently heard about a man who was retired longer than he worked, retiring at 52 and living well into his 90’s. There’s a life worth living. And it’s not that far-fetched. Life expectancies continue to inch upward, particularly for those who make it to retirement. For those who reach age 65, life expectancy stretches to 82 for men and 85 for women. For married couples who reach 65 together, the news is even better. Odds are […]

  • Student loan

    Parents Increasingly Expect Kids to Pay for CollegeEducation, Personal Finance

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    With college tuitions skyrocketing, it’s no surprise parents are worried whether they have enough to cover the cost. According to the fifth annual survey from Discover Student Loans, nearly half (48%) of 1,000 adults surveyed with kids aged 16 to 18 expect their child to pay for most or all their education, up from 39% in 2012. “While a vast majority of parents still report that they want to help their children pay for college, it’s clear that […]

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