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

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

What Your Credit Reports Won’t Tell You

Credit 101

What Your Credit Reports Won’t Tell You

What Your Credit Reports Won’t Tell You

A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding… Read More

How to Spot a Fake Job on Craigslist

Identity Theft

How to Spot a Fake Job on Craigslist

How to Spot a Fake Job on Craigslist

Craigslist, when used cautiously, can be extremely helpful for finding all sorts of things, like bicycles, roommates or even employment. When hunting for something on Craigslist, you should go into the process with a little skepticism, because there are plenty of things on there that are too good to be true. The Better Business Bureau… Read More

Have a Private Student Loan? Read This

Students

Have a Private Student Loan? Read This

Have a Private Student Loan? Read This

While some people have no way to get a loan by themselves, having a co-signer can make your finances difficult, because, well, things get complicated when more people are involved. Among the 2,300 private student loan complaints sent to the Consumer Financial Protection Bureau, co-signed loans were a common source of headaches for borrowers. I… Read More

Who’s the Most Vulnerable to Identity Theft?

Identity Theft

Who’s the Most Vulnerable to Identity Theft?

Who’s the Most Vulnerable to Identity Theft?

Middle-aged Americans have experienced more personal data breaches than others — at least, they report it most often. A recent survey from the Pew Research Center said 20% of Internet users ages 30 to 49 years old and 20% of those ages 50 to 64 reported having important personal information stolen as of January 2014…. Read More

Underwater Homes at Lowest Level in 2 Years

Mortgages

Underwater Homes at Lowest Level in 2 Years

Underwater Homes at Lowest Level in 2 Years

“Underwater” has been a prominent buzzword in the mortgage industry over the last several years — the kind of buzzword that leaves a nasty taste in your mouth when you use it. Seriously underwater properties make up 17% of mortgaged homes in the U.S., according to RealtyTrac, a housing data company. That’s the lowest share… Read More

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