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  • To stop paying interest charges, overpay your credit card bill

    To stop paying interest charges, overpay your credit card bill

    iStockphoto.com/AstarotiStockphoto.com/Astarot
    iStockphoto.com/AstarotiStockphoto.com/Astarot

    Can you pay off your credit card bill in full and still be charged interest? Yes – depending on the timing of your payment

    Can you pay off your credit card bill in full and still be charged interest? Yes – depending on the timing of your payment

  • Tax season begins January 28

    Tax season begins January 28

    iStockphoto.com/JamesBreyiStockphoto.com/JamesBrey
    iStockphoto.com/JamesBreyiStockphoto.com/JamesBrey

    Did you have a happy New Year? We certainly hope so. Now it's time to get back to regular routines and take care of January chores, including gathering your tax information

    Did you have a happy New Year? We certainly hope so. Now it's time to get back to regular routines and take care of January chores, including gathering your tax information

  • Getting The Jump On April 15

    Getting The Jump On April 15

    Is it tax time already? You may not want to admit it, but tax time starts well before the filing deadline

    Is it tax time already? You may not want to admit it, but tax time starts well before the filing deadline. Your important tax forms start arriving in the mail in January. If you simply let them accumulate in a pile, it will...
  • 2 out of 3 loans used for credit cards and loan consolidation

    2 out of 3 loans used for credit cards and loan consolidation

    iStockphoto.com/gerenmeiStockphoto.com/gerenme
    iStockphoto.com/gerenmeiStockphoto.com/gerenme

    What do you do with debts that have unfavorable interest rates or difficult payment terms? If you can, consolidate them into one debt stream with more favorable terms

    What do you do with debts that have unfavorable interest rates or difficult payment terms? If you can, consolidate them into one debt stream with more favorable terms

  • Nearly 1 In 4 feel they'll never escape from significant debt

    Nearly 1 In 4 feel they'll never escape from significant debt

    iStockphoto.com/elenaleonovaiStockphoto.com/elenaleonova
    iStockphoto.com/elenaleonovaiStockphoto.com/elenaleonova

    According to the latest Household Debt and Credit Report from the New York Federal Reserve, America's total household debt has surpassed $13.5 trillion. Do you sometimes feel like $13 trillion of that debt is yours?

    According to the latest Household Debt and Credit Report from the New York Federal Reserve, America's total household debt has surpassed $13.5 trillion. Do you sometimes feel like $13 trillion of that debt is yours?

  • New 2019 tax laws

    New 2019 tax laws

    iStockphoto.com/LIgorkoiStockphoto.com/LIgorko
    iStockphoto.com/LIgorkoiStockphoto.com/LIgorko

    Here is a reminder of changes affecting your tax returns for the 2018 tax year

    Here is a reminder of changes affecting your tax returns for the 2018 tax year

  • How the interest rate increase affects you

    How the interest rate increase affects you

    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov

    Your Christmas gift from the Federal Reserve is here. Surprise! It's another 0.25% hike in the Federal Funds rate

    Your Christmas gift from the Federal Reserve is here. Surprise! It's another 0.25% hike in the Federal Funds rate

  • Retirement and multiple employment plans

    Retirement and multiple employment plans

    iStockphoto.com/JirsakiStockphoto.com/Jirsak
    iStockphoto.com/JirsakiStockphoto.com/Jirsak

    Multiple employment plans allow businesses in completely unrelated industries to pool their resources under the same retirement plan umbrella

    Multiple employment plans allow businesses in completely unrelated industries to pool their resources under the same retirement plan umbrella

  • More than half of rewards credit cardholders carry a balance

    More than half of rewards credit cardholders carry a balance

    iStockphoto.com/aiqingwangiStockphoto.com/aiqingwang
    iStockphoto.com/aiqingwangiStockphoto.com/aiqingwang

    Rewards cards can provide great benefits – but they can also tempt you to overspend. When that happens, you're more likely to carry a balance and wipe out your rewards with interest charges

    Rewards cards can provide great benefits – but they can also tempt you to overspend. When that happens, you're more likely to carry a balance and wipe out your rewards with interest charges

  • You still need a high credit score to refinance

    You still need a high credit score to refinance

    iStockphoto.com/relifiStockphoto.com/relif
    iStockphoto.com/relifiStockphoto.com/relif

    Times aren't great in the mortgage refinancing market

    Times aren't great in the mortgage refinancing market

  • Changing your mind on Social Security benefits

    Changing your mind on Social Security benefits

    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov

    You've just become eligible for Social Security benefits. Are you going to apply for them now, wait until your full retirement age, or delay benefits as long as you possibly can?

    You've just become eligible for Social Security benefits. Are you going to apply for them now, wait until your full retirement age, or delay benefits as long as you possibly can?

  • 5 steps to take if turned down for a checking account

    5 steps to take if turned down for a checking account

    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson

    Take a deep breath and start your path to redemption using these five tips

    Take a deep breath and start your path to redemption using these five tips

  • 6 tips to make your 2019 budget

    6 tips to make your 2019 budget

    iStockphoto.com/mangpor_2004iStockphoto.com/mangpor_2004
    iStockphoto.com/mangpor_2004iStockphoto.com/mangpor_2004

    Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there?

    Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there?

  • Interest rates on the rise this holiday season

    Interest rates on the rise this holiday season

    iStockphoto.com/buzzanimationiStockphoto.com/buzzanimation
    iStockphoto.com/buzzanimationiStockphoto.com/buzzanimation

    America has been enjoying historically low interest rates for years – but those days are coming to an end

    America has been enjoying historically low interest rates for years – but those days are coming to an end

  • Changes to Medicare in 2019

    Changes to Medicare in 2019

    iStockphoto.com/roobcioiStockphoto.com/roobcio
    iStockphoto.com/roobcioiStockphoto.com/roobcio

    In 2019, changes to Medicare may improve the healthcare options and flexibility for beneficiaries

    In 2019, changes to Medicare may improve the healthcare options and flexibility for beneficiaries

  • Don't answer that text from your "bank"

    Don't answer that text from your "bank"

    iStockphoto.com/TeroVesalaineniStockphoto.com/TeroVesalainen
    iStockphoto.com/TeroVesalaineniStockphoto.com/TeroVesalainen

    Your smartphone may substitute for your bank card. However, that adds another avenue for fraudsters to trick you out of personal information and drain your bank account

    Your smartphone may substitute for your bank card. However, that adds another avenue for fraudsters to trick you out of personal information and drain your bank account

  • Yet another large data breach – Are you protected?

    Yet another large data breach – Are you protected?

    iStockphoto.com/jcarilletiStockphoto.com/jcarillet
    iStockphoto.com/jcarilletiStockphoto.com/jcarillet

    As many as half a billion customers may be affected, making the Marriott hack the second largest ever in terms of exposed records

    As many as half a billion customers may be affected, making the Marriott hack the second largest ever in terms of exposed records

  • How to avoid overspending this holiday season

    How to avoid overspending this holiday season

    iStockphoto.com/shironosoviStockphoto.com/shironosov
    iStockphoto.com/shironosoviStockphoto.com/shironosov

    You've overspent during past holiday seasons, but you're determined not to let it happen this year. What's your plan to prevent painful post-holiday bills?

    You've overspent during past holiday seasons, but you're determined not to let it happen this year. What's your plan to prevent painful post-holiday bills?

  • Get a credit card without a job

    Get a credit card without a job

    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia
    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia

    If you are just starting out on your own and have no job yet, or you're down on your luck and currently unemployed, will you be able to qualify for a credit card? The answer is yes, within limitations

    If you are just starting out on your own and have no job yet, or you're down on your luck and currently unemployed, will you be able to qualify for a credit card? The answer is yes, within limitations

  • Now is the best time for a rewards credit card

    Now is the best time for a rewards credit card

    iStockphoto.com/Geber86iStockphoto.com/Geber86
    iStockphoto.com/Geber86iStockphoto.com/Geber86

    Do you have a rewards credit card? If not, now is the perfect time to consider one

    Do you have a rewards credit card? If not, now is the perfect time to consider one

  • 5 New Year's Resolutions To Raise Your Credit Score

    5 New Year's Resolutions To Raise Your Credit Score

    You're determined to make 2019 the year you raise your credit score. Why not get off to a good start with these five New Year's resolutions to send your credit score in the right direction?

    You're determined to make 2021 the year you raise your credit score. Why not get off to a good start with these five New Year's resolutions to send your credit score in the right direction? 1. Resolve to Check Your...
  • Disability income and debt

    Disability income and debt

    iStockphoto.com/IldoFrazaoiStockphoto.com/IldoFrazao
    iStockphoto.com/IldoFrazaoiStockphoto.com/IldoFrazao

    What can disabled persons do about telephone calls and letters from collectors? What happens if you are sued?

    What can disabled persons do about telephone calls and letters from collectors? What happens if you are sued?

  • Can the IRS or student loan creditors garnish my Social Security?

    Can the IRS or student loan creditors garnish my Social Security?

    iStockphoto.com/AND-ONEiStockphoto.com/AND-ONE
    iStockphoto.com/AND-ONEiStockphoto.com/AND-ONE

    Find out how you can protect your financial interests

    Find out how you can protect your financial interests

  • Double-check your beneficiaries

    Double-check your beneficiaries

    iStockphoto.com/monkeybusinessimagesiStockphoto.com/monkeybusinessimages
    iStockphoto.com/monkeybusinessimagesiStockphoto.com/monkeybusinessimages

    What happens to your financial accounts when you pass away? They will be passed along to the beneficiary or beneficiaries designated for that account – but what happens when your beneficiaries are out-of-date?

    What happens to your financial accounts when you pass away? They will be passed along to the beneficiary or beneficiaries designated for that account – but what happens when your beneficiaries are out-of-date?

  • Most rewards credit card holders sabotage themselves

    Most rewards credit card holders sabotage themselves

    iStockphoto.com/MangoStar_StudioiStockphoto.com/MangoStar_Studio
    iStockphoto.com/MangoStar_StudioiStockphoto.com/MangoStar_Studio

    Are we going about it all wrong?

    Are we going about it all wrong?

  • EMV chips don't stop credit card fraud

    EMV chips don't stop credit card fraud

    iStockphoto.com/ADraganiStockphoto.com/ADragan
    iStockphoto.com/ADraganiStockphoto.com/ADragan

    There are two primary reasons America isn't using the EMV technology to its full potential, and the technology doesn't address all forms of fraud

    There are two primary reasons America isn't using the EMV technology to its full potential, and the technology doesn't address all forms of fraud

  • 1 In 3 uses credit cards for home improvement

    1 In 3 uses credit cards for home improvement

    iStockphoto.com/andresriStockphoto.com/andresr
    iStockphoto.com/andresriStockphoto.com/andresr

    How would you finance a home improvement project? If it's beyond what you can pay for in cash, you might consider using a credit card instead of a home equity loan or line of credit

    How would you finance a home improvement project? If it's beyond what you can pay for in cash, you might consider using a credit card instead of a home equity loan or line of credit

  • Student loans are hurting Millennials' net worth

    Student loans are hurting Millennials' net worth

    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    Since student debt draws money away from other savings and investment opportunities, the long-term effect on net worth can be devastating

    Since student debt draws money away from other savings and investment opportunities, the long-term effect on net worth can be devastating

  • Checking Account Scams

    Checking Account Scams

    Your checking account is a tempting target for thieves. You must stay alert for the many varieties of checking account scams – but first, you must be able to recognize a scam when you see one

    Your checking account is a tempting target for thieves. You must stay alert for the many varieties of checking account scams – but first, you must be able to recognize a scam when you see one. Have you ever been targeted by...
  • Is the housing market turning?

    Is the housing market turning?

    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched
    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched

    The housing market has suffered from excess demand and limited supply for years, causing a sharp increase in home prices, but the turning point may have arrived

    The housing market has suffered from excess demand and limited supply for years, causing a sharp increase in home prices, but the turning point may have arrived

  • Don't let your kids' school release their personal data

    Don't let your kids' school release their personal data

    iStockphoto.com/kali9iStockphoto.com/kali9
    iStockphoto.com/kali9iStockphoto.com/kali9

    Identity thieves love to steal children's identities, and you need to take the right steps to help prevent it

    Identity thieves love to steal children's identities, and you need to take the right steps to help prevent it

  • Only 1 out of 7 monitors their Social Security number online

    Only 1 out of 7 monitors their Social Security number online

    iStockphoto.com/snyferokiStockphoto.com/snyferok
    iStockphoto.com/snyferokiStockphoto.com/snyferok

    Do you monitor your Social Security number for any signs of fraudulent use? A new survey suggests you think that you should, but you probably don't.

    Do you monitor your Social Security number for any signs of fraudulent use? A new survey suggests you think that you should, but you probably don't.

  • 3 types of fraud alerts

    3 types of fraud alerts

    iStockphoto.com/ArisSuiStockphoto.com/ArisSu
    iStockphoto.com/ArisSuiStockphoto.com/ArisSu

    You probably know that you can place a fraud alert on your credit reports – but did you know there are three different types of fraud alerts that you can apply?

    You probably know that you can place a fraud alert on your credit reports – but did you know there are three different types of fraud alerts that you can apply?

  • Surprise! Debit cards have fees

    Surprise! Debit cards have fees

    iStockphoto.com/BraunSiStockphoto.com/BraunS
    iStockphoto.com/BraunSiStockphoto.com/BraunS

    You didn't know? You're not alone

    You didn't know? You're not alone

  • Knowing your credit score leads to higher credit scores!

    Knowing your credit score leads to higher credit scores!

    iStockphoto.com/Bojan89iStockphoto.com/Bojan89
    iStockphoto.com/Bojan89iStockphoto.com/Bojan89

    According to a new study, knowledge of your credit score does give you the power to manage credit responsibly

    According to a new study, knowledge of your credit score does give you the power to manage credit responsibly

  • Don't let a refi hurt your credit score

    Don't let a refi hurt your credit score

    iStockphoto.com/designer491iStockphoto.com/designer491
    iStockphoto.com/designer491iStockphoto.com/designer491

    Do you have a loan payment that is squeezing your monthly budget a bit tighter than you'd planned?

    Do you have a loan payment that is squeezing your monthly budget a bit tighter than you'd planned?

  • 7 Charges not to put on credit cards

    7 Charges not to put on credit cards

    iStockphoto.com/vchaliStockphoto.com/vchal
    iStockphoto.com/vchaliStockphoto.com/vchal

    It's smart to get the most out of your credit cards, but do so within a budget and with one thought in mind "Is a credit card the best way to pay for this item?"

    It's smart to get the most out of your credit cards, but do so within a budget and with one thought in mind "Is a credit card the best way to pay for this item?"

  • 5 ways you could be over-insuring your car

    5 ways you could be over-insuring your car

    iStockphoto.com/kh_artiStockphoto.com/kh_art
    iStockphoto.com/kh_artiStockphoto.com/kh_art

    It is prudent to have insurance, but it is also smart to have the right amount of insurance for your needs

    It is prudent to have insurance, but it is also smart to have the right amount of insurance for your needs

  • Top benefits of credit cards

    Top benefits of credit cards

    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography

    The biggest benefit of having a credit card may also be a big drawback

    The biggest benefit of having a credit card may also be a big drawback

  • Credit checks and jobs

    Credit checks and jobs

    iStockphoto.com/Fly_dragonflyiStockphoto.com/Fly_dragonfly
    iStockphoto.com/Fly_dragonflyiStockphoto.com/Fly_dragonfly

    Finding a job can be a stressful and difficult task – and if you have poor credit, you may have an even harder time finding a job

    Finding a job can be a stressful and difficult task – and if you have poor credit, you may have an even harder time finding a job

  • How medical debt affects your credit

    How medical debt affects your credit

    iStockphoto.com/kieferpixiStockphoto.com/kieferpix
    iStockphoto.com/kieferpixiStockphoto.com/kieferpix

    According to 2017 data from the credit bureau Experian, unpaid medical debt in America topped $127 billion\

    According to 2017 data from the credit bureau Experian, unpaid medical debt in America topped $127 billion\

  • We prefer using cash over credit for small purchases

    We prefer using cash over credit for small purchases

    iStockphoto.com/RyanJLaneiStockphoto.com/RyanJLane
    iStockphoto.com/RyanJLaneiStockphoto.com/RyanJLane

    Do you use your credit card for most purchases? Are there times you prefer paying with your debit card? Perhaps you still use those funny green paper rectangles with numbers on them?

    Do you use your credit card for most purchases? Are there times you prefer paying with your debit card? Perhaps you still use those funny green paper rectangles with numbers on them?

  • 1 of 3 Americans wants to buy a home by 2020

    1 of 3 Americans wants to buy a home by 2020

    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched
    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched

    Is a home purchase on your to-do list over the next two years? You'll have plenty of competition finding your new home, according to a new survey

    Is a home purchase on your to-do list over the next two years? You'll have plenty of competition finding your new home, according to a new survey

  • Chips cutting counterfeit credit card fraud by 75%

    Chips cutting counterfeit credit card fraud by 75%

    Thursday, October 18 2018 9:20 AM EDT2018-10-18 13:20:38 GMT
    iStockphoto.com/JuanmoninoiStockphoto.com/Juanmonino
    iStockphoto.com/JuanmoninoiStockphoto.com/Juanmonino

    According to a new study from Visa, EMV cards have lived up to their promise

    According to a new study from Visa, EMV cards have lived up to their promise

  • Why a credit freeze won't prevent identity theft

    Why a credit freeze won't prevent identity theft

    Tuesday, October 16 2018 10:02 AM EDT2018-10-16 14:02:10 GMT
    iStockphoto.com/domoyegaiStockphoto.com/domoyega
    iStockphoto.com/domoyegaiStockphoto.com/domoyega

    Identity thieves have many other ways to cash in on your personal information

    Identity thieves have many other ways to cash in on your personal information

  • Combat Thermostat Ignorance and Save

    Combat Thermostat Ignorance and Save

    Monday, October 15 2018 9:10 AM EDT2018-10-15 13:10:53 GMT

    You could be wasting significant money on your energy bills that you could change into savings with a few minutes of attention

    Are smart appliances and systems making you feel like you are being outwitted by your home? They shouldn't. In many cases, it is just a matter of investing the time to read through the manual and understand the...
  • Racking up debt? Blame your parents!

    Racking up debt? Blame your parents!

    Friday, October 12 2018 9:34 AM EDT2018-10-12 13:34:48 GMT
    iStockphoto.com/JackFiStockphoto.com/JackF
    iStockphoto.com/JackFiStockphoto.com/JackF

    How do you keep from passing bad financial habits on to your children?

    How do you keep from passing bad financial habits on to your children?

  • 5 tips for saving money in college

    5 tips for saving money in college

    Wednesday, October 10 2018 9:34 AM EDT2018-10-10 13:34:26 GMT
    iStockphoto.com/sturtiiStockphoto.com/sturti
    iStockphoto.com/sturtiiStockphoto.com/sturti

    Whether it's your first year of independence or not, college tuition is a major added expense. This makes managing your finances well while you pursue higher education extremely important.

    Whether it's your first year of independence or not, college tuition is a major added expense. This makes managing your finances well while you pursue higher education extremely important.

  • Correcting inaccurate credit information

    Correcting inaccurate credit information

    Monday, October 8 2018 8:56 AM EDT2018-10-08 12:56:32 GMT
    iStockphoto.com/zimmytwsiStockphoto.com/zimmytws
    iStockphoto.com/zimmytwsiStockphoto.com/zimmytws

    Many people never check their credit reports and find out at the worst possible time that they contain errors – for example, when they are applying for a mortgage

    Many people never check their credit reports and find out at the worst possible time that they contain errors – for example, when they are applying for a mortgage

  • People less concerned about identity theft than in the past

    People less concerned about identity theft than in the past

    Friday, October 5 2018 9:31 AM EDT2018-10-05 13:31:19 GMT
    iStockphoto.com/boonchaiwedmakawandiStockphoto.com/boonchaiwedmakawand
    iStockphoto.com/boonchaiwedmakawandiStockphoto.com/boonchaiwedmakawand

    Why are we less concerned about identity theft than we have been in the past?

    Why are we less concerned about identity theft than we have been in the past?

  • Store credit cards could hurt your credit score

    Store credit cards could hurt your credit score

    Wednesday, October 3 2018 9:06 AM EDT2018-10-03 13:06:53 GMT
    iStockphoto.com/fizkesiStockphoto.com/fizkes
    iStockphoto.com/fizkesiStockphoto.com/fizkes

    When you're tempted to accept a store card offer, think of two things how you would use the card in the future and how opening the account will affect your credit score

    When you're tempted to accept a store card offer, think of two things how you would use the card in the future and how opening the account will affect your credit score

  • Why we don't pay our credit card bills

    Why we don't pay our credit card bills

    Monday, October 1 2018 7:59 AM EDT2018-10-01 11:59:42 GMT
    iStockphoto.com/JevticiStockphoto.com/Jevtic
    iStockphoto.com/JevticiStockphoto.com/Jevtic

    Miss a credit card payment, and you'll suffer the consequences

    Miss a credit card payment, and you'll suffer the consequences

  • More Americans defaulting on credit cards

    More Americans defaulting on credit cards

    Thursday, September 27 2018 10:06 AM EDT2018-09-27 14:06:33 GMT
    iStockphoto.com/skynesheriStockphoto.com/skynesher
    iStockphoto.com/skynesheriStockphoto.com/skynesher

     America's outstanding revolving debt – mostly credit card debt – was closing in on $1.04 trillion as of June 2018. How will we pay all that money back?

     America's outstanding revolving debt – mostly credit card debt – was closing in on $1.04 trillion as of June 2018. How will we pay all that money back?

  • #1 older Millennial debt is not student loans

    #1 older Millennial debt is not student loans

    Wednesday, September 26 2018 7:58 AM EDT2018-09-26 11:58:37 GMT
    iStockphoto.com/AtnoYduriStockphoto.com/AtnoYdur
    iStockphoto.com/AtnoYduriStockphoto.com/AtnoYdur

    At least part of the millennial generation has other debt concerns

    At least part of the millennial generation has other debt concerns

  • 5 ways to reduce the cost of your car

    5 ways to reduce the cost of your car

    Monday, September 24 2018 8:20 AM EDT2018-09-24 12:20:06 GMT
    iStockphoto.com/Marisa9iStockphoto.com/Marisa9
    iStockphoto.com/Marisa9iStockphoto.com/Marisa9

    If you're looking to cut your spending, we've got you covered with this list of tips to slash some of the major auto costs and keep more money in your pocket

    If you're looking to cut your spending, we've got you covered with this list of tips to slash some of the major auto costs and keep more money in your pocket

  • Would you share your driving data to save money?

    Would you share your driving data to save money?

    Friday, September 21 2018 8:05 AM EDT2018-09-21 12:05:35 GMT
    iStockphoto.com/metamorworksiStockphoto.com/metamorworks
    iStockphoto.com/metamorworksiStockphoto.com/metamorworks

    Data is a hot commodity, and companies are willing to pay top dollar for it

    Data is a hot commodity, and companies are willing to pay top dollar for it

  • Stressed by home buying? Don't be

    Stressed by home buying? Don't be

    Thursday, September 20 2018 9:16 AM EDT2018-09-20 13:16:30 GMT
    iStockphoto.com/GCShutteriStockphoto.com/GCShutter
    iStockphoto.com/GCShutteriStockphoto.com/GCShutter

    Home buying can be a prolonged and confusing process but you can reduce the stress with research and realistic expectations at every step

    Home buying can be a prolonged and confusing process but you can reduce the stress with research and realistic expectations at every step

  • 2 out of 5 student borrowers expect to default in next 5 years

    2 out of 5 student borrowers expect to default in next 5 years

    Tuesday, September 18 2018 8:23 AM EDT2018-09-18 12:23:02 GMT
    iStockphoto.com/david_kam_photographyiStockphoto.com/david_kam_photography
    iStockphoto.com/david_kam_photographyiStockphoto.com/david_kam_photography

    A study by the Brookings Institution suggests that approximately 40% of Americans won't be able to pay off their loans and will end up in default by 2023

    A study by the Brookings Institution suggests that approximately 40% of Americans won't be able to pay off their loans and will end up in default by 2023

  • Credit card default rates are... dropping?

    Credit card default rates are... dropping?

    Friday, September 14 2018 8:26 AM EDT2018-09-14 12:26:21 GMT
    iStockphoto.com/mapodileiStockphoto.com/mapodile
    iStockphoto.com/mapodileiStockphoto.com/mapodile

    Is there a limit to America's appetite for debt? At least one indicator suggests that the answer is no

    Is there a limit to America's appetite for debt? At least one indicator suggests that the answer is no

  • 5 questions you need to answer before retiring

    5 questions you need to answer before retiring

    Wednesday, September 12 2018 9:59 AM EDT2018-09-12 13:59:58 GMT
    iStockphoto.com/AnsonLuiStockphoto.com/AnsonLu
    iStockphoto.com/AnsonLuiStockphoto.com/AnsonLu

    You may be mentally and physically ready to retire, but are you financially ready to retire?

    You may be mentally and physically ready to retire, but are you financially ready to retire?

  • Learn where your money goes

    Learn where your money goes

    Monday, September 10 2018 9:32 AM EDT2018-09-10 13:32:44 GMT
    iStockphoto.com/PogoniciiStockphoto.com/Pogonici
    iStockphoto.com/PogoniciiStockphoto.com/Pogonici

    If you do not track your spending, you cannot distinguish between gremlins and your own spending habits or any other reason for your dwindling bank account, including fraud

    If you do not track your spending, you cannot distinguish between gremlins and your own spending habits or any other reason for your dwindling bank account, including fraud

  • Millennials should improve credit before home shopping

    Millennials should improve credit before home shopping

    Friday, September 7 2018 9:31 AM EDT2018-09-07 13:31:16 GMT
    iStockphoto.com/andresriStockphoto.com/andresr
    iStockphoto.com/andresriStockphoto.com/andresr

    With a small change in financial habits, more millennials could significantly shift their risk perception with lenders allowing them to qualify for mortgage loans

    With a small change in financial habits, more millennials could significantly shift their risk perception with lenders allowing them to qualify for mortgage loans

  • 1 out of 7 are afraid to see their credit report

    1 out of 7 are afraid to see their credit report

    Wednesday, September 5 2018 8:23 AM EDT2018-09-05 12:23:20 GMT
    iStockphoto.com/SanneBergiStockphoto.com/SanneBerg
    iStockphoto.com/SanneBergiStockphoto.com/SanneBerg

    Have you checked your credit report lately? If not, what's keeping you from doing so?

    Have you checked your credit report lately? If not, what's keeping you from doing so?

  • 5 retirement fees to avoid

    5 retirement fees to avoid

    Tuesday, September 4 2018 9:07 AM EDT2018-09-04 13:07:07 GMT
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov

    It's important to avoid unnecessary fees that take a bite out of your nest egg without providing value in return

    It's important to avoid unnecessary fees that take a bite out of your nest egg without providing value in return

  • 7 steps to beat the summer debt bulge

    7 steps to beat the summer debt bulge

    Monday, August 27 2018 7:21 AM EDT2018-08-27 11:21:37 GMT
    iStockphoto.com/LightFieldStudiosiStockphoto.com/LightFieldStudios
    iStockphoto.com/LightFieldStudiosiStockphoto.com/LightFieldStudios

    Have you spent too much on vacations, dining out, or entertainment this summer? Follow these seven simple steps to get your finances back on track and pay down your debt faster

    Have you spent too much on vacations, dining out, or entertainment this summer? Follow these seven simple steps to get your finances back on track and pay down your debt faster

  • 8 common mistakes of tax extension filers

    8 common mistakes of tax extension filers

    Friday, August 24 2018 8:10 AM EDT2018-08-24 12:10:26 GMT
    iStockphoto.com/alfexeiStockphoto.com/alfexe
    iStockphoto.com/alfexeiStockphoto.com/alfexe

    Did you miss the April 17 tax deadline for 2018? If so, you probably filed for and received a six-month extension from the IRS. Don't relax too much, because October will be here before you know it

    Did you miss the April 17 tax deadline for 2018? If so, you probably filed for and received a six-month extension from the IRS. Don't relax too much, because October will be here before you know it

  • Your low credit score could cost you $45,000

    Your low credit score could cost you $45,000

    Wednesday, August 22 2018 9:46 AM EDT2018-08-22 13:46:40 GMT
    iStockphoto.com/martin-dmiStockphoto.com/martin-dm
    iStockphoto.com/martin-dmiStockphoto.com/martin-dm

    A lower score means greater risk, and lenders will charge you a higher interest rate because of that difference

    A lower score means greater risk, and lenders will charge you a higher interest rate because of that difference

  • Received a credit card rate increase notice?

    Received a credit card rate increase notice?

    Tuesday, August 21 2018 9:47 AM EDT2018-08-21 13:47:44 GMT
    iStockphoto.com/BraunSiStockphoto.com/BraunS
    iStockphoto.com/BraunSiStockphoto.com/BraunS

    How many times have you tossed notices from your credit card issuer without reading them? The best answer is "never." You could be discarding a credit card interest rate increase notice

    How many times have you tossed notices from your credit card issuer without reading them? The best answer is "never." You could be discarding a credit card interest rate increase notice

  • Despite not saving, millennials want to retire at 61

    Despite not saving, millennials want to retire at 61

    Friday, August 17 2018 8:10 AM EDT2018-08-17 12:10:00 GMT
    iStockphoto.com/FatCameraiStockphoto.com/FatCamera
    iStockphoto.com/FatCameraiStockphoto.com/FatCamera

    How would you like to retire early? Millennials identified the perfect retirement age as 61

    How would you like to retire early? Millennials identified the perfect retirement age as 61

  • 4 out of 5 Americans lie for money

    4 out of 5 Americans lie for money

    Thursday, August 16 2018 9:25 AM EDT2018-08-16 13:25:39 GMT
    iStockphoto.com/vladansiStockphoto.com/vladans
    iStockphoto.com/vladansiStockphoto.com/vladans

    Have you ever lied for financial gain? The odds are strong that you've done it at least once, and a new survey says you're among company

    Have you ever lied for financial gain? The odds are strong that you've done it at least once, and a new survey says you're among company

  • Car leasing 101

    Car leasing 101

    Wednesday, August 15 2018 7:51 AM EDT2018-08-15 11:51:33 GMT
    iStockphoto.com/praetorianphotoiStockphoto.com/praetorianphoto
    iStockphoto.com/praetorianphotoiStockphoto.com/praetorianphoto

    So, you are in the market for a new vehicle, huh? You've got some important decisions to make. But perhaps your most important decision, at least from a financial standpoint, is how you will pay for the vehicle

    So, you are in the market for a new vehicle, huh? You've got some important decisions to make. But perhaps your most important decision, at least from a financial standpoint, is how you will pay for the vehicle

  • Trump changing use of credit scores in home loans

    Trump changing use of credit scores in home loans

    Tuesday, August 14 2018 8:16 AM EDT2018-08-14 12:16:58 GMT
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    Are you having trouble getting a home loan because you have no suitable credit history? That may soon change

    Are you having trouble getting a home loan because you have no suitable credit history? That may soon change

  • Top 3 mortgage rejection reasons

    Top 3 mortgage rejection reasons

    Monday, August 13 2018 8:14 AM EDT2018-08-13 12:14:19 GMT
    iStockphoto.com/LPETTETiStockphoto.com/LPETTET
    iStockphoto.com/LPETTETiStockphoto.com/LPETTET

    Have you been denied a mortgage loan recently? Rejections usually don't come down to a single reason, because lenders look at your overall financial status. However, some factors increase your risk of rejection...

    Have you been denied a mortgage loan recently? Rejections usually don't come down to a single reason, because lenders look at your overall financial status. However, some factors increase your risk of rejection...

  • Nearly half of millennials feel held back by credit score

    Nearly half of millennials feel held back by credit score

    Friday, August 10 2018 9:29 AM EDT2018-08-10 13:29:13 GMT
    iStockphoto.com/NicolasMcComberiStockphoto.com/NicolasMcComber
    iStockphoto.com/NicolasMcComberiStockphoto.com/NicolasMcComber

    Is a bad credit score dragging you down? Almost half of millennials feel that way, according to a new survey

    Is a bad credit score dragging you down? Almost half of millennials feel that way, according to a new survey

  • All about the 4% retirement rule

    All about the 4% retirement rule

    Thursday, August 9 2018 9:44 AM EDT2018-08-09 13:44:43 GMT
    iStockphoto.com/EllenaZiStockphoto.com/EllenaZ
    iStockphoto.com/EllenaZiStockphoto.com/EllenaZ

    Are you familiar with the 4% rule and how it relates to retirement? Let's find out.

    Are you familiar with the 4% rule and how it relates to retirement? Let's find out.

  • When the government can keep your tax refunds and disability checks

    When the government can keep your tax refunds and disability checks

    Wednesday, August 8 2018 9:05 AM EDT2018-08-08 13:05:31 GMT
    iStockphoto.com/ozgurdonmaziStockphoto.com/ozgurdonmaz
    iStockphoto.com/ozgurdonmaziStockphoto.com/ozgurdonmaz

    The term "administrative offset" brings to mind meaningless governmental jargon. It is governmental jargon – but if you are affected, it's not meaningless at all

    The term "administrative offset" brings to mind meaningless governmental jargon. It is governmental jargon – but if you are affected, it's not meaningless at all

  • Six tips on credit card fraud prevention in the digital age

    Six tips on credit card fraud prevention in the digital age

    Tuesday, August 7 2018 9:25 AM EDT2018-08-07 13:25:23 GMT
    iStockphoto.com/alengoiStockphoto.com/alengo
    iStockphoto.com/alengoiStockphoto.com/alengo

    While technology provides a safety net of sorts, consumers still need to be proactive about managing their transactions and statements

    While technology provides a safety net of sorts, consumers still need to be proactive about managing their transactions and statements

  • What do I do when my debt is sold?

    What do I do when my debt is sold?

    Monday, August 6 2018 9:19 AM EDT2018-08-06 13:19:33 GMT
    iStockphoto.com/JerryPDXiStockphoto.com/JerryPDX
    iStockphoto.com/JerryPDXiStockphoto.com/JerryPDX

    Just like assets can be sold, so can debts. But things relating to the servicing of your loan such as due dates and payment arrangements may change

    Just like assets can be sold, so can debts. But things relating to the servicing of your loan such as due dates and payment arrangements may change

  • How to get your child a Social Security number

    How to get your child a Social Security number

    Friday, August 3 2018 9:16 AM EDT2018-08-03 13:16:42 GMT
    iStockphoto.com/monkeybusinessimagesiStockphoto.com/monkeybusinessimages
    iStockphoto.com/monkeybusinessimagesiStockphoto.com/monkeybusinessimages

    Don't let a Social Security number slip through the cracks

    Don't let a Social Security number slip through the cracks

  • All about real estate disclosures

    All about real estate disclosures

    Thursday, August 2 2018 9:08 AM EDT2018-08-02 13:08:40 GMT
    iStockphoto.com/AramyaniStockphoto.com/Aramyan
    iStockphoto.com/AramyaniStockphoto.com/Aramyan

    You want to know exactly what you are getting when you make any large purchase, especially when you are buying a home. That's why a real estate disclosure statement is a fundamental part of any real estate transaction.

    You want to know exactly what you are getting when you make any large purchase, especially when you are buying a home. That's why a real estate disclosure statement is a fundamental part of any real estate transaction.

  • The easy way to save thousands on your mortgage

    The easy way to save thousands on your mortgage

    Wednesday, August 1 2018 8:16 AM EDT2018-08-01 12:16:50 GMT
    iStockphoto.com/manusapon_kasosodiStockphoto.com/manusapon_kasosod
    iStockphoto.com/manusapon_kasosodiStockphoto.com/manusapon_kasosod

    You probably comparison-shop for most of your purchases, especially the high-dollar ones. Consider doing the same when it comes to your mortgage.

    You probably comparison-shop for most of your purchases, especially the high-dollar ones. Consider doing the same when it comes to your mortgage.

  • 5 spending habits that won't rebuild your credit

    5 spending habits that won't rebuild your credit

    Tuesday, July 31 2018 8:30 AM EDT2018-07-31 12:30:18 GMT
    iStockphoto.com/lzfiStockphoto.com/lzf
    iStockphoto.com/lzfiStockphoto.com/lzf

    When your credit score is down, it takes great effort to rebuild it

    When your credit score is down, it takes great effort to rebuild it

  • Millennials have more home buying regrets

    Millennials have more home buying regrets

    Monday, July 30 2018 8:12 AM EDT2018-07-30 12:12:53 GMT
    iStockphoto.com/AntonioGuillemiStockphoto.com/AntonioGuillem
    iStockphoto.com/AntonioGuillemiStockphoto.com/AntonioGuillem

    Perhaps millennials are expecting too much out of homeownership, ignoring the old axiom "The secret to happiness is low expectations."

    Perhaps millennials are expecting too much out of homeownership, ignoring the old axiom "The secret to happiness is low expectations."

  • 5 things to know before getting a credit card

    5 things to know before getting a credit card

    Friday, July 27 2018 9:14 AM EDT2018-07-27 13:14:16 GMT
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    If you don't use your card wisely, it's easy to get into unpleasant credit situations that can have long-lasting effects

    If you don't use your card wisely, it's easy to get into unpleasant credit situations that can have long-lasting effects

  • 3 routes to steady retirement income

    3 routes to steady retirement income

    Thursday, July 26 2018 8:12 AM EDT2018-07-26 12:12:52 GMT
    iStockphoto.com/marchmeena29iStockphoto.com/marchmeena29
    iStockphoto.com/marchmeena29iStockphoto.com/marchmeena29

    If you are one of the fortunate few who have a defined benefit retirement plan, you have more predictability in your retirement income than most

    If you are one of the fortunate few who have a defined benefit retirement plan, you have more predictability in your retirement income than most

  • There's no correlation between interest rates and home sales

    There's no correlation between interest rates and home sales

    Wednesday, July 25 2018 8:26 AM EDT2018-07-25 12:26:22 GMT
    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched
    iStockphoto.com/FeverpitchediStockphoto.com/Feverpitched

    The relationship is almost zero between mortgage rates and home sales

    The relationship is almost zero between mortgage rates and home sales

  • How much does your dream home cost?

    How much does your dream home cost?

    Tuesday, July 24 2018 8:29 AM EDT2018-07-24 12:29:07 GMT
    iStockphoto.com/jhorrocksiStockphoto.com/jhorrocks
    iStockphoto.com/jhorrocksiStockphoto.com/jhorrocks

    What does your dream home look like, and how much does it cost? Whether it's a cottage on a secluded beach, a stately mansion on a hill, or something in-between, your dream home probably won't come cheap

    What does your dream home look like, and how much does it cost? Whether it's a cottage on a secluded beach, a stately mansion on a hill, or something in-between, your dream home probably won't come cheap

  • Get your money as soon as you earn it

    Get your money as soon as you earn it

    Monday, July 23 2018 8:22 AM EDT2018-07-23 12:22:44 GMT
    iStockphoto.com/undefinedundefinediStockphoto.com/undefinedundefined
    iStockphoto.com/undefinedundefinediStockphoto.com/undefinedundefined

    You're in a cash-flow crunch again. What do you do?

    You're in a cash-flow crunch again. What do you do?

  • Keep your data off the dark web

    Keep your data off the dark web

    Friday, July 20 2018 7:52 AM EDT2018-07-20 11:52:18 GMT
    iStockphoto.com/South_agencyiStockphoto.com/South_agency
    iStockphoto.com/South_agencyiStockphoto.com/South_agency

    Is your credit card information floating around the dark web, waiting to be sold to an enterprising criminal?

    Is your credit card information floating around the dark web, waiting to be sold to an enterprising criminal?

  • 7 taxes retirees must consider

    7 taxes retirees must consider

    Thursday, July 19 2018 8:20 AM EDT2018-07-19 12:20:23 GMT
    iStockphoto.com/Bojan89iStockphoto.com/Bojan89
    iStockphoto.com/Bojan89iStockphoto.com/Bojan89

    You're responsible for your own taxes and will be facing new taxes and rules on your retirement income sources like these

    You're responsible for your own taxes and will be facing new taxes and rules on your retirement income sources like these

  • Can an identity thief change your home address?

    Can an identity thief change your home address?

    Wednesday, July 18 2018 8:00 AM EDT2018-07-18 12:00:15 GMT
    iStockphoto.com/krblokhiniStockphoto.com/krblokhin
    iStockphoto.com/krblokhiniStockphoto.com/krblokhin

    Identity thieves can potentially redirect your mail by filling out a change of address form in your name

    Identity thieves can potentially redirect your mail by filling out a change of address form in your name

  • Americans still not saving... But don't care!

    Americans still not saving... But don't care!

    Tuesday, July 17 2018 9:08 AM EDT2018-07-17 13:08:25 GMT
    iStockphoto.com/vitapixiStockphoto.com/vitapix
    iStockphoto.com/vitapixiStockphoto.com/vitapix

    Do you have enough cash to handle an unexpected emergency expense? According to a new survey, a significant number of Americans don't have an emergency savings fund and don't see the lack of one as a problem.

    Do you have enough cash to handle an unexpected emergency expense? According to a new survey, a significant number of Americans don't have an emergency savings fund and don't see the lack of one as a problem.

  • How to turn low unemployment into a raise

    How to turn low unemployment into a raise

    Monday, July 16 2018 8:26 AM EDT2018-07-16 12:26:16 GMT
    iStockphoto.com/Cecilie_ArcursiStockphoto.com/Cecilie_Arcurs
    iStockphoto.com/Cecilie_ArcursiStockphoto.com/Cecilie_Arcurs

    According to economic theory, low unemployment will lead to rising wages as employers compete for the small pool of qualified workers

    According to economic theory, low unemployment will lead to rising wages as employers compete for the small pool of qualified workers

  • Americans' financial regrets

    Americans' financial regrets

    Friday, July 13 2018 9:04 AM EDT2018-07-13 13:04:14 GMT
    iStockphoto.com/tarasov_vliStockphoto.com/tarasov_vl
    iStockphoto.com/tarasov_vliStockphoto.com/tarasov_vl

    Financial regrets can have longer-lasting consequences and, according to a recent survey, 76% of Americans have some form of financial regret

    Financial regrets can have longer-lasting consequences and, according to a recent survey, 76% of Americans have some form of financial regret

  • Don't let a credit dispute blow your mortgage

    Don't let a credit dispute blow your mortgage

    Thursday, July 12 2018 8:26 AM EDT2018-07-12 12:26:54 GMT
    iStockphoto.com/AntonioGuillemiStockphoto.com/AntonioGuillem
    iStockphoto.com/AntonioGuillemiStockphoto.com/AntonioGuillem

    "Always check your credit report for errors, and dispute any errors as soon as possible." We normally give this advice, but there are a few exceptions to this rule – including when you are preparing to apply for a mortgage

    "Always check your credit report for errors, and dispute any errors as soon as possible." We normally give this advice, but there are a few exceptions to this rule – including when you are preparing to apply for a mortgage

  • 7 questions to ask yourself to choose where to retire

    7 questions to ask yourself to choose where to retire

    Wednesday, July 11 2018 8:26 AM EDT2018-07-11 12:26:33 GMT
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    Do you plan to relocate when you retire? If so, where would you like to go?

    Do you plan to relocate when you retire? If so, where would you like to go?

  • Less than 1 in 3 parents teach their kids about credit scores

    Less than 1 in 3 parents teach their kids about credit scores

    Tuesday, July 10 2018 8:27 AM EDT2018-07-10 12:27:10 GMT
    iStockphoto.com/GeorgijeviciStockphoto.com/Georgijevic
    iStockphoto.com/GeorgijeviciStockphoto.com/Georgijevic

    Your kids are growing up fast. Soon, it will be time to have ... the talk. No, not that one. We're referring to the talk about responsible use of credit.

    Your kids are growing up fast. Soon, it will be time to have ... the talk. No, not that one. We're referring to the talk about responsible use of credit.

  • 1 In 3 use credit cards simply for rewards

    1 In 3 use credit cards simply for rewards

    Monday, July 9 2018 8:24 AM EDT2018-07-09 12:24:08 GMT
    iStockphoto.com/Eva-KataliniStockphoto.com/Eva-Katalin
    iStockphoto.com/Eva-KataliniStockphoto.com/Eva-Katalin

    Do you consider a rewards program as an integral part of your credit card choice? According to a new study by finder.com, close to one-third of Americans use credit cards just to get the associated rewards.

    Do you consider a rewards program as an integral part of your credit card choice? According to a new study by finder.com, close to one-third of Americans use credit cards just to get the associated rewards.

  • Renters' top 8 biggest concerns about buying a home

    Renters' top 8 biggest concerns about buying a home

    Friday, July 6 2018 8:24 AM EDT2018-07-06 12:24:40 GMT
    iStockphoto.com/pirankaiStockphoto.com/piranka
    iStockphoto.com/pirankaiStockphoto.com/piranka

    Homeownership remains a goal for most Americans. However, a recent report shows eight concerns renters have regarding that goal

    Homeownership remains a goal for most Americans. However, a recent report shows eight concerns renters have regarding that goal

  • Summer jobs and income taxes

    Summer jobs and income taxes

    Thursday, July 5 2018 9:29 AM EDT2018-07-05 13:29:05 GMT
    iStockphoto.com/shapechargeiStockphoto.com/shapecharge
    iStockphoto.com/shapechargeiStockphoto.com/shapecharge

    Welcome, students, to income taxes and how they affect the working world that you have joined

    Welcome, students, to income taxes and how they affect the working world that you have joined

  • Not paying credit cards – a timeline to avoid

    Not paying credit cards – a timeline to avoid

    Tuesday, July 3 2018 7:52 AM EDT2018-07-03 11:52:00 GMT
    iStockphoto.com/MladenZivkoviciStockphoto.com/MladenZivkovic
    iStockphoto.com/MladenZivkoviciStockphoto.com/MladenZivkovic

    Here's what happens when you start missing credit card payments

    Here's what happens when you start missing credit card payments

  • Raise your credit score, and pay less for insurance

    Raise your credit score, and pay less for insurance

    Monday, July 2 2018 7:25 AM EDT2018-07-02 11:25:54 GMT
    iStockphoto.com/AajaniStockphoto.com/Aajan
    iStockphoto.com/AajaniStockphoto.com/Aajan

    A poor credit score makes your financial life difficult in a number of ways

    A poor credit score makes your financial life difficult in a number of ways

  • Most Americans don't have a financial plan, but should

    Most Americans don't have a financial plan, but should

    Friday, June 29 2018 8:04 AM EDT2018-06-29 12:04:03 GMT
    iStockphoto.com/gpointstudioiStockphoto.com/gpointstudio
    iStockphoto.com/gpointstudioiStockphoto.com/gpointstudio

    Do you have a financial plan? A real, written plan with goals, targets, and timelines, not just "I plan to stay out of debt this year"? If you have no such plan, you have plenty of company

    Do you have a financial plan? A real, written plan with goals, targets, and timelines, not just "I plan to stay out of debt this year"? If you have no such plan, you have plenty of company

  • More taxes on online purchases

    More taxes on online purchases

    Thursday, June 28 2018 8:04 AM EDT2018-06-28 12:04:17 GMT
    iStockphoto.com/hakinmhaniStockphoto.com/hakinmhan
    iStockphoto.com/hakinmhaniStockphoto.com/hakinmhan

    Americans will soon be paying up to $33 billion more each year for online purchases

    Americans will soon be paying up to $33 billion more each year for online purchases

  • Your low credit score could cost you $21,000

    Your low credit score could cost you $21,000

    Tuesday, June 26 2018 8:16 AM EDT2018-06-26 12:16:00 GMT
    iStockphoto.com/kosminiStockphoto.com/kosmin
    iStockphoto.com/kosminiStockphoto.com/kosmin

    How much does your credit score affect your mortgage rates? A recent study by Zillow reveals some shocking information

    How much does your credit score affect your mortgage rates? A recent study by Zillow reveals some shocking information

  • Fill your IRA with low-cost index funds

    Fill your IRA with low-cost index funds

    Monday, June 25 2018 8:09 AM EDT2018-06-25 12:09:13 GMT
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov

    Does your IRA or 401(k) contain mostly actively managed funds or index funds? Do you know the difference between those two funds? Do you even know what's in your IRA or 401(k) at all?

    Does your IRA or 401(k) contain mostly actively managed funds or index funds? Do you know the difference between those two funds? Do you even know what's in your IRA or 401(k) at all?

  • Seniors and affordable transportation

    Seniors and affordable transportation

    Friday, June 22 2018 9:29 AM EDT2018-06-22 13:29:20 GMT
    iStockphoto.com/chameleonseyeiStockphoto.com/chameleonseye
    iStockphoto.com/chameleonseyeiStockphoto.com/chameleonseye

    Affordable transportation is often a concern for senior citizens

    Affordable transportation is often a concern for senior citizens

  • Most of us don't know our credit card APR

    Most of us don't know our credit card APR

    Thursday, June 21 2018 7:45 AM EDT2018-06-21 11:45:11 GMT
    iStockphoto.com/skynesheriStockphoto.com/skynesher
    iStockphoto.com/skynesheriStockphoto.com/skynesher

    Are you getting the best deal on your credit cards? If you regularly carry a balance, a new survey from CreditCards.com suggests there's almost a 50/50 chance you don't know how good your deal is

    Are you getting the best deal on your credit cards? If you regularly carry a balance, a new survey from CreditCards.com suggests there's almost a 50/50 chance you don't know how good your deal is

  • First-time homebuyers setting records

    First-time homebuyers setting records

    Wednesday, June 20 2018 7:10 AM EDT2018-06-20 11:10:26 GMT
    iStockphoto.com/vladimirvladimiroviStockphoto.com/vladimirvladimirov
    iStockphoto.com/vladimirvladimiroviStockphoto.com/vladimirvladimirov

    Prospective first-time homebuyers are facing stiff challenges as they enter today's housing market – including finding an affordable home

    Prospective first-time homebuyers are facing stiff challenges as they enter today's housing market – including finding an affordable home

  • Why check your credit report and credit score? Why wouldn't you?

    Why check your credit report and credit score? Why wouldn't you?

    Tuesday, June 19 2018 7:18 AM EDT2018-06-19 11:18:44 GMT
    iStockphoto.com/HbrHiStockphoto.com/HbrH
    iStockphoto.com/HbrHiStockphoto.com/HbrH

    Your credit report and credit score act as warning signs for your financial health. Ignore them at your own risk.

    Your credit report and credit score act as warning signs for your financial health. Ignore them at your own risk.

  • 5 ways to have your student loans forgiven

    5 ways to have your student loans forgiven

    Monday, June 18 2018 7:03 AM EDT2018-06-18 11:03:15 GMT
    iStockphoto.com/DanielBendjyiStockphoto.com/DanielBendjy
    iStockphoto.com/DanielBendjyiStockphoto.com/DanielBendjy

    Does your student loan situation look hopeless? Don't give up hope yet.

    Does your student loan situation look hopeless? Don't give up hope yet.

  • Income share agreements

    Income share agreements

    Friday, June 15 2018 12:10 PM EDT2018-06-15 16:10:16 GMT
    iStockphoto.com/NickSiStockphoto.com/NickS
    iStockphoto.com/NickSiStockphoto.com/NickS

    While the job market has improved for recent graduates, many are struggling with excessive debt

    While the job market has improved for recent graduates, many are struggling with excessive debt

  • Home prices outpace pay increases

    Home prices outpace pay increases

    Thursday, June 14 2018 7:37 AM EDT2018-06-14 11:37:19 GMT
    iStockphoto.com/CHRISsadowskiiStockphoto.com/CHRISsadowski
    iStockphoto.com/CHRISsadowskiiStockphoto.com/CHRISsadowski

    Affordable housing? What affordable housing?

    Affordable housing? What affordable housing?

  • Best buys for Father's Day

    Best buys for Father's Day

    Wednesday, June 13 2018 8:27 AM EDT2018-06-13 12:27:38 GMT
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    Father's Day is coming up on June 17th. What can you get Dad to celebrate his special day without loading up the credit cards?

    Father's Day is coming up on June 17th. What can you get Dad to celebrate his special day without loading up the credit cards?

  • 4 out of 5 young borrowers blame student loan debt for not owning a home

    4 out of 5 young borrowers blame student loan debt for not owning a home

    Tuesday, June 12 2018 10:00 AM EDT2018-06-12 14:00:49 GMT
    iStockphoto.com/PeshkovaiStockphoto.com/Peshkova
    iStockphoto.com/PeshkovaiStockphoto.com/Peshkova

    A student loan can be your best friend or your worst nightmare

    A student loan can be your best friend or your worst nightmare

  • Your unpaid student loan could cost you your tax refund

    Your unpaid student loan could cost you your tax refund

    Monday, June 11 2018 8:00 AM EDT2018-06-11 12:00:14 GMT
    iStockphoto.com/DjelicSiStockphoto.com/DjelicS
    iStockphoto.com/DjelicSiStockphoto.com/DjelicS

    If you've lost a tax refund to an offset, you aren't alone

    If you've lost a tax refund to an offset, you aren't alone

  • Student loan interest rates rise

    Student loan interest rates rise

    Friday, June 8 2018 7:40 AM EDT2018-06-08 11:40:41 GMT
    iStockphoto.com/mediaphotosiStockphoto.com/mediaphotos
    iStockphoto.com/mediaphotosiStockphoto.com/mediaphotos

    Are you planning to take out student loans soon? Be prepared to pay more for the privilege

    Are you planning to take out student loans soon? Be prepared to pay more for the privilege

  • 5 worst mistakes of online borrowing

    5 worst mistakes of online borrowing

    Thursday, June 7 2018 8:10 AM EDT2018-06-07 12:10:43 GMT
    iStockphoto.com/fizkesiStockphoto.com/fizkes
    iStockphoto.com/fizkesiStockphoto.com/fizkes

    Although countless Americans have been helped by the ability to borrow money without leaving home, others have hurt themselves by being ill prepared for the process.

    Although countless Americans have been helped by the ability to borrow money without leaving home, others have hurt themselves by being ill prepared for the process.

  • How much do you know about retirement?

    How much do you know about retirement?

    Wednesday, June 6 2018 8:21 AM EDT2018-06-06 12:21:39 GMT
    iStockphoto.com/Gam1983iStockphoto.com/Gam1983
    iStockphoto.com/Gam1983iStockphoto.com/Gam1983

    It takes solid planning and fiscal discipline during your working years to enjoy a financially comfortable retirement. But how can you properly plan if you don't really understand how to manage your money?

    It takes solid planning and fiscal discipline during your working years to enjoy a financially comfortable retirement. But how can you properly plan if you don't really understand how to manage your money?

  • Free credit freezes and more credit changes you need to know

    Free credit freezes and more credit changes you need to know

    Tuesday, June 5 2018 8:30 AM EDT2018-06-05 12:30:11 GMT
    iStockphoto.com/RobertindianaiStockphoto.com/Robertindiana
    iStockphoto.com/RobertindianaiStockphoto.com/Robertindiana

    Could President Trump's newest law be damaging to your credit?

    Could President Trump's newest law be damaging to your credit?

  • 3 tips before applying for a rewards credit card

    3 tips before applying for a rewards credit card

    Friday, June 1 2018 8:14 AM EDT2018-06-01 12:14:16 GMT
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography

    Unless you are just starting out and have no credit history, or are attempting to rebuild poor credit, you should be able to qualify for a rewards credit card

    Unless you are just starting out and have no credit history, or are attempting to rebuild poor credit, you should be able to qualify for a rewards credit card

  • Why aren't 529 plans more popular?

    Why aren't 529 plans more popular?

    Thursday, May 31 2018 9:34 AM EDT2018-05-31 13:34:28 GMT
    iStockphoto.com/designer491iStockphoto.com/designer491
    iStockphoto.com/designer491iStockphoto.com/designer491

    How do you plan to fund your children's education?

    How do you plan to fund your children's education?

  • Americans' biggest money mistakes

    Americans' biggest money mistakes

    Wednesday, May 30 2018 9:49 AM EDT2018-05-30 13:49:54 GMT
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography

    You've made some life decisions that you've regretted, and some of those decisions surely involve money. What sort of money mistakes have you made?

    You've made some life decisions that you've regretted, and some of those decisions surely involve money. What sort of money mistakes have you made?

  • 7 questions to ask before refinancing your student loan

    7 questions to ask before refinancing your student loan

    Tuesday, May 29 2018 8:19 AM EDT2018-05-29 12:19:00 GMT
    iStockphoto.com/BraunSiStockphoto.com/BraunS
    iStockphoto.com/BraunSiStockphoto.com/BraunS

    Are you having difficulties paying off your student loan debt? If you don't qualify for other methods of help, refinancing your student loan might be a suitable option

    Are you having difficulties paying off your student loan debt? If you don't qualify for other methods of help, refinancing your student loan might be a suitable option

  • 3 of 4 workers concerned about social security

    3 of 4 workers concerned about social security

    Friday, May 25 2018 9:57 AM EDT2018-05-25 13:57:33 GMT
    iStockphoto.com/NikadaiStockphoto.com/Nikada
    iStockphoto.com/NikadaiStockphoto.com/Nikada

    Are you counting on Social Security for most of your retirement funds – and if so, how comfortable are you that the funds will be there at retirement?

    Are you counting on Social Security for most of your retirement funds – and if so, how comfortable are you that the funds will be there at retirement?

  • More homebuyers stretching to buy

    More homebuyers stretching to buy

    Thursday, May 24 2018 8:36 AM EDT2018-05-24 12:36:43 GMT
    iStockphoto.com/FatCameraiStockphoto.com/FatCamera
    iStockphoto.com/FatCameraiStockphoto.com/FatCamera

    Desperate homeowners are stretching their finances to buy a home, and lenders and mortgage backers are increasingly willing to accommodate them

    Desperate homeowners are stretching their finances to buy a home, and lenders and mortgage backers are increasingly willing to accommodate them

  • Millions of Americans using outdated credit cards

    Millions of Americans using outdated credit cards

    Wednesday, May 23 2018 8:30 AM EDT2018-05-23 12:30:44 GMT
    iStockphoto.com/Stefan_RedeliStockphoto.com/Stefan_Redel
    iStockphoto.com/Stefan_RedeliStockphoto.com/Stefan_Redel

    If you haven't changed cards in ten years or more, you're likely missing out on deals that can save money and prop up your budget.

    If you haven't changed cards in ten years or more, you're likely missing out on deals that can save money and prop up your budget.

  • How to negotiate a summer vacation rental

    How to negotiate a summer vacation rental

    Tuesday, May 22 2018 9:33 AM EDT2018-05-22 13:33:20 GMT
    iStock.com/andresriStock.com/andresr
    iStock.com/andresriStock.com/andresr

    Just because travel agents and middlemen are being squeezed out does not mean that you are getting the best deal possible.

    Just because travel agents and middlemen are being squeezed out does not mean that you are getting the best deal possible.

  • 6 tips to improve your home purchase offer

    6 tips to improve your home purchase offer

    Friday, May 18 2018 8:23 AM EDT2018-05-18 12:23:46 GMT
    iStockphoto.com/KuzmaiStockphoto.com/Kuzma
    iStockphoto.com/KuzmaiStockphoto.com/Kuzma

    Are you looking to buy a home in the current seller's market? We'd wish you good luck, but making a standout offer on a home requires more preparation than luck.

    Are you looking to buy a home in the current seller's market? We'd wish you good luck, but making a standout offer on a home requires more preparation than luck.

  • Only 37% of millennials have a retirement account

    Only 37% of millennials have a retirement account

    Thursday, May 17 2018 10:35 AM EDT2018-05-17 14:35:30 GMT
    iStockphoto.com/D-KeineiStockphoto.com/D-Keine
    iStockphoto.com/D-KeineiStockphoto.com/D-Keine

    Who's thinking about retirement when they're young? Retirement accounts are typically not a priority for young workers – but they should be.

    Who's thinking about retirement when they're young? Retirement accounts are typically not a priority for young workers – but they should be.

  • Card balances drop while consumer credit growth slows

    Card balances drop while consumer credit growth slows

    Wednesday, May 16 2018 9:24 AM EDT2018-05-16 13:24:43 GMT
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov
    iStockphoto.com/AndreyPopoviStockphoto.com/AndreyPopov

    A new government report provides both good news and bad news about America's massive consumer debt load

    A new government report provides both good news and bad news about America's massive consumer debt load

  • Seniors racking up debt

    Seniors racking up debt

    Tuesday, May 15 2018 10:01 AM EDT2018-05-15 14:01:13 GMT
    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia
    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia

    You've saved for retirement and built up a sizable nest egg. However, you forgot to consider one factor – excessive debt as you approach retirement. Too many seniors are facing that grim scenario.

    You've saved for retirement and built up a sizable nest egg. However, you forgot to consider one factor – excessive debt as you approach retirement. Too many seniors are facing that grim scenario.

  • Supplemental transition accounts for retirement – STARTs 101

    Supplemental transition accounts for retirement – STARTs 101

    Monday, May 14 2018 9:02 AM EDT2018-05-14 13:02:47 GMT
    iStockphoto.com/DNY59iStockphoto.com/DNY59
    iStockphoto.com/DNY59iStockphoto.com/DNY59

    Let's face it: Americans are woefully unprepared for retirement

    Let's face it: Americans are woefully unprepared for retirement

  • Student loan delinquencies increase

    Student loan delinquencies increase

    Thursday, May 10 2018 9:34 AM EDT2018-05-10 13:34:52 GMT
    iStockphoto.com/RyanKing999iStockphoto.com/RyanKing999
    iStockphoto.com/RyanKing999iStockphoto.com/RyanKing999

    How bad is America's student loan situation? Worse than you might think...

    How bad is America's student loan situation? Worse than you might think...

  • 25 million Americans left behind retirement savings when changing jobs

    25 million Americans left behind retirement savings when changing jobs

    Wednesday, May 9 2018 9:14 AM EDT2018-05-09 13:14:54 GMT
    iStockphoto.com/daoleduciStockphoto.com/daoleduc
    iStockphoto.com/daoleduciStockphoto.com/daoleduc

    What happens to your employer-based 401(k) account when you leave a job? That's for you to decide – and if you make no decision, you may end up losing hard-earned benefits. 

    What happens to your employer-based 401(k) account when you leave a job? That's for you to decide – and if you make no decision, you may end up losing hard-earned benefits. 

  • Synthetic-identity fraud

    Synthetic-identity fraud

    Tuesday, May 8 2018 10:02 AM EDT2018-05-08 14:02:03 GMT
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson

    As defensive tactics against identity theft increase, criminals are shifting toward a new tactic synthetic-identity fraud

    As defensive tactics against identity theft increase, criminals are shifting toward a new tactic synthetic-identity fraud

  • How single people afford homes

    How single people afford homes

    Monday, May 7 2018 10:06 AM EDT2018-05-07 14:06:46 GMT
    iStockphoto.com/MartinBarraudiStockphoto.com/MartinBarraud
    iStockphoto.com/MartinBarraudiStockphoto.com/MartinBarraud

    Home ownership is a fulfilling but difficult goal. The challenges of being single can make it even more difficult to find an affordable home to buy – especially for single women

    Home ownership is a fulfilling but difficult goal. The challenges of being single can make it even more difficult to find an affordable home to buy – especially for single women

  • Cryptocurrency and retirement

    Cryptocurrency and retirement

    Friday, May 4 2018 10:30 AM EDT2018-05-04 14:30:07 GMT
    iStockphoto.com/5432actioniStockphoto.com/5432action
    iStockphoto.com/5432actioniStockphoto.com/5432action

    If your retirement plan is not meeting expectations, should you be wary of incorporating cryptocurrency into your account?

    If your retirement plan is not meeting expectations, should you be wary of incorporating cryptocurrency into your account?

  • Subprime loans – should you take the risk?

    Subprime loans – should you take the risk?

    Thursday, May 3 2018 7:32 AM EDT2018-05-03 11:32:13 GMT
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson

    Are you ready to take advantage of these offers and, even if you are, is a subprime loan the best choice for you?

    Are you ready to take advantage of these offers and, even if you are, is a subprime loan the best choice for you?

  • This lender repos 1 in 3 cars it finances

    This lender repos 1 in 3 cars it finances

    Wednesday, May 2 2018 9:37 AM EDT2018-05-02 13:37:33 GMT
    iStockphoto.com/BERKO85iStockphoto.com/BERKO85
    iStockphoto.com/BERKO85iStockphoto.com/BERKO85

    We frequently hear about America's crushing student loan debt – but auto loans are not far behind

    We frequently hear about America's crushing student loan debt – but auto loans are not far behind

  • How to amend a tax return

    How to amend a tax return

    Tuesday, May 1 2018 9:11 AM EDT2018-05-01 13:11:50 GMT
    iStockphoto.com/YenwenLuiStockphoto.com/YenwenLu
    iStockphoto.com/YenwenLuiStockphoto.com/YenwenLu

    There is no need to panic simply amend your tax return in a timely matter using IRS Form 1040X

    There is no need to panic simply amend your tax return in a timely matter using IRS Form 1040X

  • Credit card delinquencies soar

    Credit card delinquencies soar

    Monday, April 30 2018 10:31 AM EDT2018-04-30 14:31:46 GMT
    iStockphoto.com/valentinrussanoviStockphoto.com/valentinrussanov
    iStockphoto.com/valentinrussanoviStockphoto.com/valentinrussanov

    America's economy is improving by most standards – but is it improving on the backs of excessive debt?

    America's economy is improving by most standards – but is it improving on the backs of excessive debt?

  • How long should tax returns be saved?

    How long should tax returns be saved?

    Friday, April 27 2018 10:43 AM EDT2018-04-27 14:43:53 GMT
    iStockphoto.com/BackyardProductioniStockphoto.com/BackyardProduction
    iStockphoto.com/BackyardProductioniStockphoto.com/BackyardProduction

    Is three years too much or not enough?

    Is three years too much or not enough?

  • Houses selling for more than asking price

    Houses selling for more than asking price

    Thursday, April 26 2018 9:11 AM EDT2018-04-26 13:11:11 GMT
    iStockphoto.com/LightFieldStudiosiStockphoto.com/LightFieldStudios
    iStockphoto.com/LightFieldStudiosiStockphoto.com/LightFieldStudios

    Did you sell your home last year? If so, there's a decent chance that you did well on the exchange

    Did you sell your home last year? If so, there's a decent chance that you did well on the exchange

  • What's holding up your retirement savings? It's you

    What's holding up your retirement savings? It's you

    Wednesday, April 25 2018 9:31 AM EDT2018-04-25 13:31:00 GMT
    iStockphoto.com/trioceaniStockphoto.com/triocean
    iStockphoto.com/trioceaniStockphoto.com/triocean

    Are retirement savings a priority for you? If not, why aren't they?

    Are retirement savings a priority for you? If not, why aren't they?

  • How to get a new Social Security card

    How to get a new Social Security card

    Tuesday, April 24 2018 9:57 AM EDT2018-04-24 13:57:48 GMT
    iStockphoto.com/NoDerogiStockphoto.com/NoDerog
    iStockphoto.com/NoDerogiStockphoto.com/NoDerog

    Your Social Security Number may be your most important piece of identification – yet it's likely that you never carry your Social Security card with you

    Your Social Security Number may be your most important piece of identification – yet it's likely that you never carry your Social Security card with you

  • No punishment for Equifax after massive hack

    No punishment for Equifax after massive hack

    Monday, April 23 2018 8:22 AM EDT2018-04-23 12:22:59 GMT
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson
    iStockphoto.com/BrianAJacksoniStockphoto.com/BrianAJackson

    It's unlikely that any other charges will be brought against Equifax because the breach was due to Equifax's incompetence which is not a criminal offense

    It's unlikely that any other charges will be brought against Equifax because the breach was due to Equifax's incompetence which is not a criminal offense

  • 1 out of 9 credit scores increased overnight

    1 out of 9 credit scores increased overnight

    Friday, April 20 2018 10:43 AM EDT2018-04-20 14:43:47 GMT
    iStockphoto.com/JovanmandiciStockphoto.com/Jovanmandic
    iStockphoto.com/JovanmandiciStockphoto.com/Jovanmandic

    How would you like an overnight increase in your credit score, through no action of your own?

    How would you like an overnight increase in your credit score, through no action of your own?

  • Seniors, don't fear a lawsuit for old debt

    Seniors, don't fear a lawsuit for old debt

    Thursday, April 19 2018 9:23 AM EDT2018-04-19 13:23:38 GMT
    iStockphoto.com/CREATISTAiStockphoto.com/CREATISTA
    iStockphoto.com/CREATISTAiStockphoto.com/CREATISTA

    Being served legal papers can be a scary experience for a senior

    Being served legal papers can be a scary experience for a senior

  • Last-minute tax day filing

    Last-minute tax day filing

    Wednesday, April 18 2018 7:52 AM EDT2018-04-18 11:52:51 GMT
    iStockphoto.com/PiotrekswatiStockphoto.com/Piotrekswat
    iStockphoto.com/PiotrekswatiStockphoto.com/Piotrekswat

    Waiting until the last minute to pay your taxes can cost you

    Waiting until the last minute to pay your taxes can cost you

  • Prevent Identity Theft From Affecting Your Taxes

    Prevent Identity Theft From Affecting Your Taxes

    Tuesday, April 17 2018 1:14 AM EDT2018-04-17 05:14:32 GMT

    What do you do if you fall victim to tax-related identity theft?

    When your identity is stolen, you have so many potential issues to deal with — changing passwords, closing accounts, dealing with fraudulent charges, and placing fraud alerts with the credit reporting agencies — that you may...
  • How your fellow Americans cheat on taxes

    How your fellow Americans cheat on taxes

    Monday, April 16 2018 11:02 AM EDT2018-04-16 15:02:20 GMT
    iStockphoto.com/vladansiStockphoto.com/vladans
    iStockphoto.com/vladansiStockphoto.com/vladans

    Have you ever cheated on your taxes? If so, you are in the minority – but you aren't alone, either

    Have you ever cheated on your taxes? If so, you are in the minority – but you aren't alone, either

  • Avoid required minimum distribution mistakes

    Avoid required minimum distribution mistakes

    Friday, April 13 2018 8:13 AM EDT2018-04-13 12:13:23 GMT
    iStockphoto.com/BraunSiStockphoto.com/BraunS
    iStockphoto.com/BraunSiStockphoto.com/BraunS

    How many times in life do you have to worry about removing too little money from a financial account?

    How many times in life do you have to worry about removing too little money from a financial account?

  • 9 boring habits that will make you rich

    9 boring habits that will make you rich

    Thursday, April 12 2018 9:30 AM EDT2018-04-12 13:30:28 GMT
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography
    iStockphoto.com/SIphotographyiStockphoto.com/SIphotography

    What's not to like about a world where your only money trouble is how to spend it?

    What's not to like about a world where your only money trouble is how to spend it?

  • Best and worst states for the new tax law

    Best and worst states for the new tax law

    Wednesday, April 11 2018 9:57 AM EDT2018-04-11 13:57:24 GMT
    iStockphoto.com/PeskyMonkeyiStockphoto.com/PeskyMonkey
    iStockphoto.com/PeskyMonkeyiStockphoto.com/PeskyMonkey

    The Tax Cuts and Jobs Act promised an income tax cut for most Americans. Is that promise less likely to be fulfilled if you live in certain states?

    The Tax Cuts and Jobs Act promised an income tax cut for most Americans. Is that promise less likely to be fulfilled if you live in certain states?

  • Top 7 tax deductions and credits that people forget

    Top 7 tax deductions and credits that people forget

    Tuesday, April 10 2018 9:50 AM EDT2018-04-10 13:50:06 GMT
    iStock.com/monkeybusinessimagesiStock.com/monkeybusinessimages
    iStock.com/monkeybusinessimagesiStock.com/monkeybusinessimages

    Don't overlook these common tax deductions that could save you money.

    Don't overlook these common tax deductions that could save you money.

  • Avoiding mortgage scams

    Avoiding mortgage scams

    Monday, April 9 2018 8:30 AM EDT2018-04-09 12:30:06 GMT
    iStockphoto.com/DekdoyjaideeiStockphoto.com/Dekdoyjaidee
    iStockphoto.com/DekdoyjaideeiStockphoto.com/Dekdoyjaidee

    If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services. 

    If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services. 

  • Many millennials have no savings

    Many millennials have no savings

    Friday, April 6 2018 9:17 AM EDT2018-04-06 13:17:34 GMT
    iStockphoto.com/grinvaldsiStockphoto.com/grinvalds
    iStockphoto.com/grinvaldsiStockphoto.com/grinvalds

    What's in your savings account? If you're a millennial, there's a decent chance that there's nothing in your account but IOUs and promises

    What's in your savings account? If you're a millennial, there's a decent chance that there's nothing in your account but IOUs and promises

  • Interactive tax assistant 101

    Interactive tax assistant 101

    Thursday, April 5 2018 9:44 AM EDT2018-04-05 13:44:28 GMT
    iStockphoto.com/eclipse_imagesiStockphoto.com/eclipse_images
    iStockphoto.com/eclipse_imagesiStockphoto.com/eclipse_images

    Looking for tax help? Check out the IRS's interactive online assistant

    Looking for tax help? Check out the IRS's interactive online assistant

  • IRS reveals the top tax scams of 2018

    IRS reveals the top tax scams of 2018

    Wednesday, April 4 2018 9:49 AM EDT2018-04-04 13:49:51 GMT
    iStockphoto.com/holwichaikaweeiStockphoto.com/holwichaikawee
    iStockphoto.com/holwichaikaweeiStockphoto.com/holwichaikawee

    The Dirty Dozen — a 1967 war movie starring Lee Marvin, Charles Bronson, and Jim Brown, or a list of the top twelve tax scams as identified by the Internal Revenue Service? How about both?

    The Dirty Dozen — a 1967 war movie starring Lee Marvin, Charles Bronson, and Jim Brown, or a list of the top twelve tax scams as identified by the Internal Revenue Service? How about both?

  • Tax benefits of caring for an aging relative

    Tax benefits of caring for an aging relative

    Tuesday, April 3 2018 10:32 AM EDT2018-04-03 14:32:56 GMT
    iStockphoto.com/shapechargeiStockphoto.com/shapecharge
    iStockphoto.com/shapechargeiStockphoto.com/shapecharge

    Caring for an elderly relative can be rewarding, but incredibly difficult – as well as expensive. However, it may be possible to recoup some of the costs through income tax savings. 

    Caring for an elderly relative can be rewarding, but incredibly difficult – as well as expensive. However, it may be possible to recoup some of the costs through income tax savings. 

  • 3 top retiree tax-planning mistakes

    3 top retiree tax-planning mistakes

    Monday, April 2 2018 8:02 AM EDT2018-04-02 12:02:46 GMT
    iStockphoto.com/svetkidiStockphoto.com/svetkid
    iStockphoto.com/svetkidiStockphoto.com/svetkid

    Here are three of the top mistakes that retirees tend to make, so that you can plan now to avoid them

    Here are three of the top mistakes that retirees tend to make, so that you can plan now to avoid them

  • Your top 10 rights as a taxpayer

    Your top 10 rights as a taxpayer

    Friday, March 30 2018 8:13 AM EDT2018-03-30 12:13:05 GMT
    iStockphoto.com/JPechaiStockphoto.com/JPecha
    iStockphoto.com/JPechaiStockphoto.com/JPecha

    You may know about the Bill of Rights, but were you aware that the IRS also has a Bill of Rights for your benefit?

    You may know about the Bill of Rights, but were you aware that the IRS also has a Bill of Rights for your benefit?

  • How to deduct your car

    How to deduct your car

    Thursday, March 29 2018 9:25 AM EDT2018-03-29 13:25:53 GMT
    iStockphoto.com/CasarsaGuruiStockphoto.com/CasarsaGuru
    iStockphoto.com/CasarsaGuruiStockphoto.com/CasarsaGuru

    When you use your car for both personal and business reasons and you are not fully reimbursed through your employer for the business expenses, you can deduct those costs from your taxes

    When you use your car for both personal and business reasons and you are not fully reimbursed through your employer for the business expenses, you can deduct those costs from your taxes

  • Student loan $36 billion shortfall

    Student loan $36 billion shortfall

    Wednesday, March 28 2018 9:20 AM EDT2018-03-28 13:20:17 GMT
    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia
    iStockphoto.com/WavebreakmediaiStockphoto.com/Wavebreakmedia

    If you are a lending institution that loses money on the loans that you make, it's an understatement to say that changes are required

    If you are a lending institution that loses money on the loans that you make, it's an understatement to say that changes are required

  • 9 ways to reduce investment taxes

    9 ways to reduce investment taxes

    Tuesday, March 27 2018 9:31 AM EDT2018-03-27 13:31:39 GMT
    iStockphoto.com/Drazen_iStockphoto.com/Drazen_
    iStockphoto.com/Drazen_iStockphoto.com/Drazen_

    The recently passed Tax Cuts and Jobs Act (TCJA) gave most Americans a break on their upcoming taxes – but you don't need legislation to cut your taxes even further

    The recently passed Tax Cuts and Jobs Act (TCJA) gave most Americans a break on their upcoming taxes – but you don't need legislation to cut your taxes even further

  • Education tax savings

    Education tax savings

    Monday, March 26 2018 9:31 AM EDT2018-03-26 13:31:26 GMT
    iStockphoto.com/artisteeriStockphoto.com/artisteer
    iStockphoto.com/artisteeriStockphoto.com/artisteer

    If you are paying college expenses for yourself or for one of your dependents, you may be able to deduct the tuition and fees on your federal tax return

    If you are paying college expenses for yourself or for one of your dependents, you may be able to deduct the tuition and fees on your federal tax return

  • Learn the price of your life insurance premium before you apply

    Learn the price of your life insurance premium before you apply

    Friday, March 23 2018 9:11 AM EDT2018-03-23 13:11:39 GMT
    iStockphoto.com/SquaredpixelsiStockphoto.com/Squaredpixels
    iStockphoto.com/SquaredpixelsiStockphoto.com/Squaredpixels

    If you are looking at obtaining life insurance, and you want to know what your rate class might be with a number of carriers, here is one way to make that happen

    If you are looking at obtaining life insurance, and you want to know what your rate class might be with a number of carriers, here is one way to make that happen

  • A new approach to affordable housing

    A new approach to affordable housing

    Thursday, March 22 2018 9:31 AM EDT2018-03-22 13:31:36 GMT
    iStockphoto.com/PURPLEANVILiStockphoto.com/PURPLEANVIL
    iStockphoto.com/PURPLEANVILiStockphoto.com/PURPLEANVIL

    A new test program in Montana addresses an underserved area of the housing market affordable rental homes by making loans to help people move in

    A new test program in Montana addresses an underserved area of the housing market affordable rental homes by making loans to help people move in

  • Top 9 audit red flags

    Top 9 audit red flags

    Wednesday, March 21 2018 10:00 AM EDT2018-03-21 14:00:27 GMT
    iStockphoto.com/designer491iStockphoto.com/designer491
    iStockphoto.com/designer491iStockphoto.com/designer491

    Some of these cannot be avoided, but others are essentially errors in judgment

    Some of these cannot be avoided, but others are essentially errors in judgment

  • Are my Social Security benefits taxable?

    Are my Social Security benefits taxable?

    Monday, March 19 2018 2:35 PM EDT2018-03-19 18:35:37 GMT
    iStockphoto.com/danp86iStockphoto.com/danp86
    iStockphoto.com/danp86iStockphoto.com/danp86

    Social Security is generally considered a tax-free benefit, but that is not always the case

    Social Security is generally considered a tax-free benefit, but that is not always the case

  • What to do when divorced parents both want to claim the same dependents

    What to do when divorced parents both want to claim the same dependents

    Friday, March 16 2018 4:02 AM EDT2018-03-16 08:02:09 GMT
    iStockphoto.com/drxyiStockphoto.com/drxy
    iStockphoto.com/drxyiStockphoto.com/drxy

    Claiming dependents on your taxes is usually a fairly straightforward procedure, but in some cases, more than one person (or couple filing jointly) will claim someone as a dependent, muddying the process

    Claiming dependents on your taxes is usually a fairly straightforward procedure, but in some cases, more than one person (or couple filing jointly) will claim someone as a dependent, muddying the process

  • Think before you lend your credit card to others

    Think before you lend your credit card to others

    Tuesday, March 13 2018 10:01 PM EDT2018-03-14 02:01:15 GMT
    iStockphoto.com/praetorianphotoiStockphoto.com/praetorianphoto
    iStockphoto.com/praetorianphotoiStockphoto.com/praetorianphoto

    If you lend your credit card to a friend in financial need, trying to be helpful, there's a decent chance that you'll end up with increased debt – and possibly an ex-friend. 

    If you lend your credit card to a friend in financial need, trying to be helpful, there's a decent chance that you'll end up with increased debt – and possibly an ex-friend. 

  • Disappearing tax breaks

    Disappearing tax breaks

    Tuesday, March 13 2018 4:00 AM EDT2018-03-13 08:00:56 GMT
    iStockphoto.com/RiverNorthPhotographyiStockphoto.com/RiverNorthPhotography
    iStockphoto.com/RiverNorthPhotographyiStockphoto.com/RiverNorthPhotography

    It's debatable whether taxes are simpler, but there's no doubt that some deductions will be lost after 2017

    It's debatable whether taxes are simpler, but there's no doubt that some deductions will be lost after 2017

  • Don't get a surprise tax bill from your IRA

    Don't get a surprise tax bill from your IRA

    Monday, March 12 2018 10:00 PM EDT2018-03-13 02:00:51 GMT
    iStockphoto.com/jxfzsyiStockphoto.com/jxfzsy
    iStockphoto.com/jxfzsyiStockphoto.com/jxfzsy

    Did you know that the type of investments you hold could hand you a surprise tax bill and potentially ruin your IRA status?

    Did you know that the type of investments you hold could hand you a surprise tax bill and potentially ruin your IRA status?

  • Tax identity theft

    Tax identity theft

    Saturday, March 10 2018 1:02 AM EST2018-03-10 06:02:15 GMT
    iStockphoto.com/BackyardProductioniStockphoto.com/BackyardProduction
    iStockphoto.com/BackyardProductioniStockphoto.com/BackyardProduction

    With tax-filing season now upon us, there's another kind of identity theft you should be watching out for

    With tax-filing season now upon us, there's another kind of identity theft you should be watching out for

  • Free tax preparation

    Free tax preparation

    Friday, March 9 2018 10:02 PM EST2018-03-10 03:02:11 GMT
    iStockphoto.com/Kali9iStockphoto.com/Kali9
    iStockphoto.com/Kali9iStockphoto.com/Kali9

    If you are one of the many Americans struggling to understand how to fill out your tax forms, the IRS — yes, that IRS — may be able to offer you free help

    If you are one of the many Americans struggling to understand how to fill out your tax forms, the IRS — yes, that IRS — may be able to offer you free help

  • Energy tax incentives 101

    Energy tax incentives 101

    Wednesday, March 7 2018 1:00 AM EST2018-03-07 06:00:49 GMT
    iStockphoto.com/InCommunicadoiStockphoto.com/InCommunicado
    iStockphoto.com/InCommunicadoiStockphoto.com/InCommunicado

    Going green can actually save you some green too

    Going green can actually save you some green too

  • Bad Social Security advice can cost you money

    Bad Social Security advice can cost you money

    Tuesday, March 6 2018 10:00 PM EST2018-03-07 03:00:45 GMT
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages
    iStockphoto.com/PeopleImagesiStockphoto.com/PeopleImages

    Beware of Social Security tips, the wrong one could cost you big time

    Beware of Social Security tips, the wrong one could cost you big time

  • The Importance Of Work/Life Balance

    The Importance Of Work/Life Balance

    For eight years in my 20's, I was working 80-90 hours a week, fixated on chasing the all-powerful dollar. I barely saw my wife and first-born child, and I was miserable. I made a lot of money, but had no...

    For eight years in my 20's, I was working 80-90 hours a week, fixated on chasing the all-powerful dollar. I barely saw my wife and first-born child, and I was miserable. I made a lot of money, but had no balance. At 30,...

  • Can minor debts land you in prison?

    Can minor debts land you in prison?

    Tuesday, February 27 2018 10:12 PM EST2018-02-28 03:12:23 GMT
    iStockphoto.com/AlexRathsiStockphoto.com/AlexRaths
    iStockphoto.com/AlexRathsiStockphoto.com/AlexRaths

    Could you end up behind bars?

    Could you end up behind bars?

  • 6 tax filing myths debunked

    6 tax filing myths debunked

    Tuesday, February 27 2018 4:11 AM EST2018-02-27 09:11:59 GMT
    iStockphoto.com/fstop123iStockphoto.com/fstop123
    iStockphoto.com/fstop123iStockphoto.com/fstop123

    Don't believe everything you hear about taxes

    Don't believe everything you hear about taxes

  • War is coming

    War is coming

    Monday, February 26 2018 10:11 PM EST2018-02-27 03:11:52 GMT
    iStockphoto.com/bauhaus1000iStockphoto.com/bauhaus1000
    iStockphoto.com/bauhaus1000iStockphoto.com/bauhaus1000

    The point of this war isn't land or power. The purpose of this battle is to affix blame for the mess that we call the nation's finances

    The point of this war isn't land or power. The purpose of this battle is to affix blame for the mess that we call the nation's finances

  • Top 11 ways to cut your taxes this year

    Top 11 ways to cut your taxes this year

    Friday, February 23 2018 4:10 AM EST2018-02-23 09:10:12 GMT
    iStockphoto.com/DNY59iStockphoto.com/DNY59
    iStockphoto.com/DNY59iStockphoto.com/DNY59

    You can give the government less of your money by taking advantage of all the legal tax savings for which you qualify

    You can give the government less of your money by taking advantage of all the legal tax savings for which you qualify

  • Should couples file taxes jointly or separately?

    Should couples file taxes jointly or separately?

    Wednesday, February 21 2018 10:09 PM EST2018-02-22 03:09:17 GMT
    iStockphoto.com/bowie15iStockphoto.com/bowie15
    iStockphoto.com/bowie15iStockphoto.com/bowie15

    Married couples have the choice of filing their taxes jointly or separately. What is the best option for you and your spouse?

    Married couples have the choice of filing their taxes jointly or separately. What is the best option for you and your spouse?

  • Why the 2018 tax deadline was moved to April 17

    Why the 2018 tax deadline was moved to April 17

    Wednesday, February 21 2018 4:08 AM EST2018-02-21 09:08:57 GMT
    iStockphoto.com/backyardproductioniStockphoto.com/backyardproduction
    iStockphoto.com/backyardproductioniStockphoto.com/backyardproduction

    For three years in a row, Americans are going to get a little extra time to file their taxes, thanks to a holiday that may be completely unknown to you

    For three years in a row, Americans are going to get a little extra time to file their taxes, thanks to a holiday that may be completely unknown to you

  • The number one reason Monero is a cryptocurrency investment winner

    The number one reason Monero is a cryptocurrency investment winner

    Tuesday, February 20 2018 9:55 AM EST2018-02-20 14:55:18 GMT
    iStockphoto.com/Violka08iStockphoto.com/Violka08
    iStockphoto.com/Violka08iStockphoto.com/Violka08

    If cryptocurrency history is written by the winners, then this is the year for Monero (XMR), the anonymous crypto coin, to add its name to the ledger

    If cryptocurrency history is written by the winners, then this is the year for Monero (XMR), the anonymous crypto coin, to add its name to the ledger

  • 40% of student loans could default over 20 years

    40% of student loans could default over 20 years

    Friday, February 9 2018 4:04 PM EST2018-02-09 21:04:11 GMT
    iStockphoto.com/IldoFrazaoiStockphoto.com/IldoFrazao
    iStockphoto.com/IldoFrazaoiStockphoto.com/IldoFrazao

    America's student loan debt may be approaching a critical point with respect to repayment

    America's student loan debt may be approaching a critical point with respect to repayment

INFORMATIONAL DISCLAIMER The information contained on or provided through this site is intended for general consumer understanding and education only and is not intended to be and is not a substitute for professional financial or accounting advice. Always seek the advice of your accountant or other qualified personal finance advisor for answers to any related questions you may have. Use of this site and any information contained on or provided through this site is at your own risk and any information contained on or provided through this site is provided on an "as is" basis without any representations or warranties.
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  • Best States to Die In... For Taxes

    Best States to Die In... For Taxes

    Does your ability to pass on your wealth to your heirs depend on where you live ... and die? Indeed, it does. Federal estate taxes apply no matter where you live within the U.S., but eighteen states subject their...
    Does your ability to pass on your wealth to your heirs depend on where you live ... and die? Indeed, it does. Federal estate taxes apply no matter where you live within the U.S., but eighteen states subject their citizens to...
  • How To Pay Your Taxes

    How To Pay Your Taxes

    Let's assume that you drew the short straw on the 2018 tax cuts, and you owe Uncle Sam this year. How do you plan to pay? There are plenty of ways other than the old-fashioned check submitted with a paper tax...
    Let's assume that you drew the short straw on the 2018 tax cuts, and you owe Uncle Sam this year. How do you plan to pay? There are plenty of ways other than the old-fashioned check submitted with a paper tax return. If...
  • Deduct Your Student Loans!

    Deduct Your Student Loans!

    Chances are that if you have student loans, you need every bit of extra cash that you can get. Did you realize that your student loans might be able to generate some cash for you? Under certain circumstances, you...
    Chances are that if you have student loans, you need every bit of extra cash that you can get. Did you realize that your student loans might be able to generate some cash for you? Under certain circumstances, you may be...
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