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Bev O'Shea

Editor |  In Personal Finance, Credit Score

Bev O’Shea lives and works in the foothills of the Appalachians. A former editor of MSN’s Smart Spending blog, she’s a fan of sunsets, college football and free shipping.

The Hidden Bonus of Paying Off Credit Card Debt

Managing Debt

The Hidden Bonus of Paying Off Credit Card Debt

The Hidden Bonus of Paying Off Credit Card Debt

In theory, nobody wants to be in debt. But when credit card bills arrive, we don’t exactly rush to pay them. And when we do, we may not pay the full balance. Understandably, we don’t want to be separated from our money. We earned that money, it’s hard to see it come into your bank... Read More

Average Price for Thanksgiving Dinner? About $5 a Person

Personal Finance

Average Price for Thanksgiving Dinner? About $5 a Person

Average Price for Thanksgiving Dinner? About $5 a Person

The price for a traditional turkey and trimmings crossed the $50 mark for the first time this year, according to the American Farm Bureau Federation. Here’s what they had on the menu designed to feed 10 people: a 16-pound turkey, bread stuffing, sweet potatoes, rolls with butter, peas, cranberries, carrots and celery, pumpkin pie with whipped cream, coffee... Read More

Can My Bankruptcy Show Up on My Kid’s Credit Report?

Credit Score

Can My Bankruptcy Show Up on My Kid’s Credit Report?

Can My Bankruptcy Show Up on My Kid’s Credit Report?

A dad who has recovered from money troubles is hoping to help his teen daughter start her financial life with the benefit of a good credit score by adding her as an authorized user to his credit card, but he’s worried that his past could come back to haunt her. “I want to put my daughter,... Read More

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

Personal Finance

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

You’ve heard it a thousand times: Take care of your retirement needs first, then consider whether you can afford to help an adult child financially. It’s like putting the oxygen mask on yourself before assisting your young child on a plane, they say, and then … the word “no” somehow gets stuck in your throat.... Read More

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

Personal Finance

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

It’s easy to understand why someone would want to keep holiday spending from plunging them into debt — or making existing credit card debt even worse. That’s probably why about two in five shoppers (39%) plan to use debit cards this season, according to the National Retail Federation’s Holiday Consumer Spending Survey. That’s incrementally more than... Read More

3 Steps to Take When Your Credit Card Goes Missing

Credit Cards

3 Steps to Take When Your Credit Card Goes Missing

3 Steps to Take When Your Credit Card Goes Missing

Opening your wallet to pull out a certain credit card (matching rewards with purchases) can make you feel smart. But not being able to find that card — or worse, not being able to find your wallet — is an entirely different experience. During the busy holiday season, this scenario can happen more often than you think. (People... Read More

What’s the Difference Between a Home Equity Loan & a HELOC?

Mortgages

What’s the Difference Between a Home Equity Loan & a HELOC?

What’s the Difference Between a Home Equity Loan & a HELOC?

If you have a mortgage and some home equity, you may wish you could somehow tap into that equity to pay bills — particularly when you have a big expense. And in many cases, you can. Occasions when you might want to do that include: paying college tuition, buying new home appliances, paying for a... Read More

Should You Be Worried About a Thanksgiving Turkey Shortage?

Personal Finance

Should You Be Worried About a Thanksgiving Turkey Shortage?

Should You Be Worried About a Thanksgiving Turkey Shortage?

You may have heard earlier this year that there was going to be a turkey shortage because of an outbreak of Avian flu last spring. A widespread shortage didn’t come to pass, but it’s still time to get serious about shopping. In fact, if you are looking for a Heritage turkey — one descended from... Read More

Can a Debt Collector Come After Me for a Business Debt?

Managing Debt

Can a Debt Collector Come After Me for a Business Debt?

Can a Debt Collector Come After Me for a Business Debt?

We sometimes hear from readers who want to know if it’s legal for a debt collector to come after their personal accounts (or possessions) because of a business debt. They’ve taken on debt to start a business, and then things haven’t gone as planned. And now a debt collector is threatening to come after their... Read More

Help! I Was Rejected for a Secured Credit Card

Credit Cards

Help! I Was Rejected for a Secured Credit Card

Help! I Was Rejected for a Secured Credit Card

Having to apply for a secured credit card because you have too little credit experience or too low of a credit score to qualify for a regular, unsecured one can be disappointing. But getting a thin envelope with a rejection — and no card — is even worse. What can you do if an issuer won’t give you... Read More

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