How a Credit Card Is Made

Credit Cards

How a Credit Card Is Made

How a Credit Card Is Made

Where do credit cards come from? There is a very good chance the credit cards in your wallet were manufactured at CPI Card Group, just outside of Denver. CPI produces more than 1.2 billion cards each year including credit cards, debit cards, transit cards and gift cards, and its headquarters in Littleton, Colo., produces more... Read More

The Problem With Wealth: Narcissism?

Credit Score

The Problem With Wealth: Narcissism?

The Problem With Wealth: Narcissism?

Some psychological research has explored the idea that wealthier Americans are more narcissistic than others — that because they have money, they’re more likely to be self-centered and have feelings of superior self-worth. Paul K. Piff, a social psychologist and post-doctoral scholar at the University of California, Berkeley, studies how people’s upbringing and social class... Read More

How Pinching Pennies Can Help You Save Thousands

Personal Finance

How Pinching Pennies Can Help You Save Thousands

How Pinching Pennies Can Help You Save Thousands

When it comes to saving money, we tend to get stuck on finding ways to save big. We want to save hundreds on car insurance, or slash our cellphone bills in half. Maybe we check out refinancing a mortgage to save $1,500 a year. None of these are bad things. But if you’re living on... Read More

3 Ways Love Can Affect Your Credit Scores

Credit Score

3 Ways Love Can Affect Your Credit Scores

3 Ways Love Can Affect Your Credit Scores

Falling in love may make your heart sing, but it won’t make a bit of difference in your credit scores — those generally stay separate. That’s unless you feel moved to do something like … co-sign a loan, sign up for credit jointly or use a lot of your available credit to finance a big... Read More

Are Banks Getting Out of Short-Term Loans?

Managing Debt

Are Banks Getting Out of Short-Term Loans?

Are Banks Getting Out of Short-Term Loans?

Quick-fix credit products have been under scrutiny in recent years, and the Consumer Financial Protection Bureau has studied how payday loans lead consumers into cycles of overwhelming debt. Deposit advances are similar in that they allow a bank customer to take out a small, short-term loan to make ends meet until their next paycheck hits... Read More

A New Deal for Student Loan Refinancing?

Students

A New Deal for Student Loan Refinancing?

A New Deal for Student Loan Refinancing?

Discover Financial Services—one of the country’s largest private higher education lenders—will soon begin offering consolidation loans to student-loan borrowers who want to refinance their debts. The company joins Wells Fargo, SunTrust Banks and RBS Citizens Financial, which are already involved in this activity. In fact, I recently received an email from a borrower who was... Read More

15 Things to Buy at a Dollar Store

Personal Finance

15 Things to Buy at a Dollar Store

15 Things to Buy at a Dollar Store

Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. 1. Greeting Cards There is no reason to spend $4 to $5 or more on a greeting card when dollar stores typically have... Read More

5 Ways to Get Ahead at Work

Personal Finance

5 Ways to Get Ahead at Work

5 Ways to Get Ahead at Work

Whether you are looking to get a promotion or make the jump to another company, you are trying to get ahead. Every career and career path is unique, but there are some strategies we can all use to improve our careers. 1. Work Like You Are on a Reality Show I don’t mean act out... Read More

5 Ways Banks Make Your Account Go in the Red

Personal Finance

5 Ways Banks Make Your Account Go in the Red

5 Ways Banks Make Your Account Go in the Red

Overdraft fees continue to be big business for banks, and that’s despite a 2010 Federal Reserve rule preventing banks from automatically enrolling customers in overdraft programs. In 2012, banks pulled in $32 billion from these fees. Of course, consumer money mismanagement contributes to all overdraft fees at some level, but banks aren’t necessarily looking to... Read More

5 Lessons From the Latest Data Breaches

Identity Theft

5 Lessons From the Latest Data Breaches

5 Lessons From the Latest Data Breaches

Son of a breach, two more security incidents are making headlines: Coca-Cola and Michaels Stores. That means we’re looking at four major data loss events in the past few weeks alone—three at national retailers, including Target and Neiman Marcus. Companies can learn from how other organizations respond to a data breach, for better or worse.... Read More

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