What Was the First Social Security Number?

Identity Theft

What Was the First Social Security Number?

What Was the First Social Security Number?

On Dec. 1, 1936, newspapers across the United States ran stories about John David Sweeney, Jr., the first person to receive a Social Security number. Ironically, Sweeney died before he received any Social Security benefits, according to the Social Security Administration‘s history website. Sweeney was the face and name the media got to put on… Read More

A Debt Collector Contacted You — Now What?

Managing Debt

A Debt Collector Contacted You — Now What?

A Debt Collector Contacted You — Now What?

Every day, hundreds of thousands of consumers are contacted by debt collectors regarding delinquent debts. As a debt collector myself, I can tell you that getting a debt collection call is not on anyone’s list of favorite things and never will be. In fact, it probably ranks dead last. Unfortunately, avoiding a debt collector isn’t… Read More

4 Balance Transfer Credit Card Mistakes

Credit Cards

4 Balance Transfer Credit Card Mistakes

4 Balance Transfer Credit Card Mistakes

Opening a credit card with a 0% financing offer or low fees when you transfer the balance from a different card can help you save money when working to pay down credit card debt, particularly if you have a lot of it. Getting a balance transfer card and using it wisely requires careful thought, and… Read More

Can I Get a Credit Card If I Don’t Have a Job?

Personal Finance

Can I Get a Credit Card If I Don’t Have a Job?

Can I Get a Credit Card If I Don’t Have a Job?

While the overall job market has improved over the past few years since the Great Recession, not everyone has been able to return to the workforce. At the same time, others are without employment because they are in school, transitioning to a new career, are stay-at-home parents, or have simply retired. In these situations, is it still… Read More

How to Challenge a Debt Collector & Win

Managing Debt

How to Challenge a Debt Collector & Win

How to Challenge a Debt Collector & Win

A reader, Anthony, wrote to me to share the success he had in dealing with the debt collection issues he faced earlier this year. He started off with the goal of settling an old unpaid credit card, and ended up winning in court and getting his costs covered. He wrote: “Hi Michael, I contacted you… Read More

8 Secrets to Getting College Scholarships

Students

8 Secrets to Getting College Scholarships

8 Secrets to Getting College Scholarships

With the cost of college steadily increasing, paying for school can be seriously daunting to prospective students. Student loans may seem like the only option, but there are ways to get money for school that don’t have to be paid back … ever. Check out the following tips to help secure scholarships that can help pay… Read More

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