Get Ready: Student Loan Rates Are About to Jump

Students

Get Ready: Student Loan Rates Are About to Jump

Get Ready: Student Loan Rates Are About to Jump

Student loan interest rates are going to go up. At least, that’s what the Consumer Financial Protection Bureau expects. With the intention of helping borrowers better calculate the costs of their educations, the CFPB Student Loan Ombudsman Rohit Chopra published an explanation of what to expect. The CFPB estimates interest rates for federal loans will… Read More

Do You Need Life Insurance?

Personal Finance

Do You Need Life Insurance?

Do You Need Life Insurance?

As part of your financial plan, it’s important to think about what would happen to your family if you were to die. Life insurance may be something you explore as a way to cover final expenses, replace your income or pay off debts. To determine if life insurance is right for you at this stage… Read More

5 Quick-Fix Credit Tips That Don’t Work

Credit 101

5 Quick-Fix Credit Tips That Don’t Work

5 Quick-Fix Credit Tips That Don’t Work

There’s nothing wrong with looking for an easy solution to your problems — except for when your quick fix is a waste of time. You can find a lot of tips for improving your credit by searching the Internet, but they’re not all accurate, and some can actually hurt your credit score. Here are a… Read More

The Best Cash-Back Credit Cards in America

Credit Cards

The Best Cash-Back Credit Cards in America

The Best Cash-Back Credit Cards in America

As airlines and hotels continue to decrease the value of the points and miles they offer through their co-branded credit cards, cash back remains the reward of choice for many cardholders. And credit card issuers understand their customers’ need for a simple program that offers the one reward that no one will likely ever have… Read More

Are You Saving Too Much?

Personal Finance

Are You Saving Too Much?

Are You Saving Too Much?

Americans are becoming a bunch of tightwads. Despite economic improvements, consumers increasingly favor saving over spending, according to Gallup’s April 3-6 Economy and Personal Finance poll, and individuals’ preferences aren’t tied to whether they expressed financial concerns or confidence in the economy. It seems we’ve simply had a change of taste. That change didn’t come… Read More

The Laziest Ways to Improve Your Credit

Credit Score

The Laziest Ways to Improve Your Credit

The Laziest Ways to Improve Your Credit

There are people out there who expend a lot of energy in the quest for a totally meaningless perfect credit score, which I’ve written about elsewhere. Most people know it’s important to have good credit, but they don’t want to spend too much time worrying about it. The good news is that you can be… Read More

My Run-In With a Real-Life Hacker

Identity Theft

My Run-In With a Real-Life Hacker

My Run-In With a Real-Life Hacker

I received an unexpected email from a friend today with a Google doc attachment. It was a friendly note, so friendly that I did consider clicking on it — even with about 20 years experience watching all manner of hacker tricks.  Fortunately, I stopped and asked a simple question, which is almost always enough to… Read More

Are Credit Scores Fair?

Credit Score

Are Credit Scores Fair?

Are Credit Scores Fair?

Our society values hard work. At least, that’s often what we’re led to believe: From a young age, we’re told to study hard so we can get good grades, get a decent education and reap the benefits it comes with. We’re motivated by the belief that we’ll be rewarded for our efforts. Credit is the… Read More

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