About Adam K Levin | Contact | Videos

Personal Finance


  • Credit Card

    Are Hackers Already Outsmarting New Chip Credit Cards?Data Security, Personal Finance

    Share

    Visa has released data showing adoption of Visa chip cards by U.S. banks and merchants is gathering steam. But the capacity for Europay-Mastercard-Visa (EMV) chip cards to swiftly and drastically reduce payment card fraud in the United States is by no means assured. Just look north to Canada, where EMV cards have been in wide use since 2011. Criminals have simply shifted fraudulent use of payment card accounts to online purchases—where the physical card does […]

  • Debt

    5 Sad Facts About Americans’ SavingsPersonal Finance

    Share

    Spend less than you earn. It’s not a complicated concept, but in reality, saving is anything but simple. Americans have struggled for years to save adequately for emergencies, retirement and major life events, and that’s still the case, according to a new survey. The Consumer Federation of America and the American Savings Education Council coordinated the survey as a part of America Saves Week, which encourages people to make automatic contributions to their savings. This […]

  • Money

    How to Use Your Extra Day of Income This Leap YearPersonal Finance, Money

    Share

    If you’re an hourly worker, February could potentially give you an extra day of earnings this year, thanks to Leap Year. That means, for example, if you make $12 an hour, you’ll have almost an extra $100 before taxes that you can use to shore up your personal finances. It might not be a huge amount, but it could get you on the road to reaching your financial goals. Here are five ways you can use […]

  • Shocked couple paying bills

    Worried About Another Recession? Here’s Something You Can ControlPersonal Finance

    Share

    Some analysts and economists are worried there might be an economic contraction or recession in the very near future. Stock markets are falling, oil prices are falling and other (slightly more advanced) indicators are making Americans worried about just how healthy the economy is. Some Americans may need to look for another job or open up their coffers (and potentially lines of credit or credit cards) as they pinch pennies. That’s when a good credit scoremay come […]

  • Debt

    How Many Americans Have Bad Credit?credit, Personal Finance

    Share

    Only a small sliver of people have absolutely terrible credit scores, but plain-old bad credit? That’s a lot more common. Nearly a third of Americans have a credit score lower than 601 — the distinction between bad and fair credit — according to credit bureau Experian. These figures come from a breakdown of Experian’s 2015 VantageScore 3.0 data. It’s the newest VantageScore model, which uses a scale of 300 to 850, and even though it scores 30 […]

  • 8 Travel Tips for a Scam-free VacationPersonal Finance

    Share

    Punxsutawney Phil didn’t see his shadow this year, which means spring is right around the corner. For the winter weary, however, summer is still too far away and the lure of blue-green seascapes under sunny skies is strong. If you’ve decided to take the plunge, remember: Your vacation is supposed to be a time to unwind. Unfortunately, there are thieves who make a living off your relaxation—waiting for your guard to be down. That’s why […]

  • Empty pocket

    10 Financial Choices You’ll Regret in 10 YearsFinancial Literacy, credit, Personal Finance

    Share

    Life is full of financial decisions, some simple, some complex, but all with the potential to make a real impact on your life. In a decade, your world can look quite a bit different than it is today – all because of these decisions. Today I’d like to focus on some financial choices you’re likely to regret in 10 years. I’d like to save you from the pain, the chaos and the heartache that occurs when […]

  • Homeowners

    How to Make Sure Your Taxes Are in Shape So You Can Buy a HomeFinancial Literacy, Personal Finance, Money

    Share

    How’s your income? That’s the first question a lender is going to ask when you apply for a home loan. And, at some point during the application process, the lender will likely use your tax returns to validate your answer. Here is how your tax returns may play a role in your ability to obtain a mortgage. What Do Lenders Need to See? If you’re a full-time, salaried employee, paystubs and a W-2 will likely […]

  • Afraid woman

    Help! I Just Found Out I Have Bad Creditcredit, Personal Finance

    Share

    If you’ve gone a long time without checking your credit (or if you’re checking it for the very first time), you may be in for a surprise. A whopping 56% of Americans had bad credit scores, per a survey from early 2015. Fortunately, you don’t necessarily need to panic if your score is below 600 (the generally accepted definition of subprime.) Instead, you can follow these simple steps in order to unearth what’s going on — […]

  • Financial info

    The 5 Most Important Numbers in Your Financial LifePersonal Finance, Money

    Share

    There are a lot of numbers in finances, so it’s understandable that some of us get confused from time to time. That said, there are some numbers that are essential when it comes to understanding our overall financial health. To help you get a better handle on the state of your finances, here are the five numbers you should know. 1. How Much Money You Have Coming In This might seem like a no-brainer, but […]

LOAD MORE ARTICLES