What Black Friday & the Fiscal Cliff Have in Common

Personal Finance

What Black Friday & the Fiscal Cliff Have in Common

What Black Friday & the Fiscal Cliff Have in Common

The shopping season is upon us. Black Friday. Cyber Monday. For the next month, intrepid American consumers will hit the stores like there’s no tomorrow — nudging hundreds of thousands of retailers into the black and ourselves into the red, only to spend the balance of the year clawing our way back to some semblance… Read More

Deceptive Mortgage Ads Targeted by New CFPB, FTC Initiative

Mortgages

Deceptive Mortgage Ads Targeted by New CFPB, FTC Initiative

Deceptive Mortgage Ads Targeted by New CFPB, FTC Initiative

The Consumer Financial Protection Bureau and the Federal Trade Commission are taking on deceptive mortgage advertising and marketing in the latest enforcement actions from the government agencies. Specifically, the two agencies worked together in a sweep of more than 800 mortgage ads to assess whether the ads violated the Mortgage Acts and Practices — Advertising… Read More

Does Your Credit Score Care What Kind of Credit Card You’re Using?

Credit Score

Does Your Credit Score Care What Kind of Credit Card You’re Using?

Does Your Credit Score Care What Kind of Credit Card You’re Using?

The credit experts at Credit.com recently received an inquiry with the question: “Do different types of credit cards affect my credit score differently? So many people shop by credit card category — they want good travel rewards or a 0% balance transfer. But do different credit card types signal different things to lenders about a… Read More

5 Black Friday Budget Survival Strategies

Personal Finance

5 Black Friday Budget Survival Strategies

5 Black Friday Budget Survival Strategies

Do you enjoy holiday shopping but fear it at the same time? It can often seem like holiday shopping is the quickest way to defeat the budget you’ve kept the whole year. And now that Black Friday is starting a day early, it may feel even more like the holidays are working against you. So… Read More

The Best Black Friday Shopping Apps

Personal Finance

The Best Black Friday Shopping Apps

The Best Black Friday Shopping Apps

Consumers are bracing themselves and their wallets for the retail marathon known as Black Friday. According to a survey conducted by coupon site RetailMeNot, 54% of consumers plan to buy clothing and accessories that day, while 38% will snap up tech gifts for family and friends. Not surprisingly, a lot of those people will be… Read More

Consumer Spending Expected to Surge This Holiday Season

Personal Finance

Consumer Spending Expected to Surge This Holiday Season

Consumer Spending Expected to Surge This Holiday Season

The steadily improving economy has led many consumers across the country to feel better about their finances in general, and that in turn will likely lead to increased spending once again this holiday season. New projections show that consumer spending for holiday shopping alone could rise 4.5 percent this year, according to the 2012 Retail… Read More

5 Year-End Tax Tips for 2012

Personal Finance

5 Year-End Tax Tips for 2012

5 Year-End Tax Tips for 2012

Taxes are my personal finance Achilles heel. Every year, I promise myself I’ll be better organized than the last. With freelance income and a rental property — in addition to the usual stuff (mortgage and charitable deductions, for example) I generate a fair amount information that needs to be sorted and organized so that my… Read More

What’s the Best Way to Get Airline Miles?

Credit Cards

What’s the Best Way to Get Airline Miles?

What’s the Best Way to Get Airline Miles?

Frequent flier miles can seem like such an excellent reward for using a particular credit card. Airlines sell their miles to the banks who dole them out to their customers in ever increasing numbers. But at the same time, most airlines now have tiered mileage charts and offer few if any seats at the lowest… Read More

Fewer Homeowners Underwater in the 3rd Quarter

Mortgages

Fewer Homeowners Underwater in the 3rd Quarter

Fewer Homeowners Underwater in the 3rd Quarter

The housing market’s downturn was so severe that it has taken years to even begin approaching pre-meltdown normalcy, but as it improves, more homeowners are finding themselves in much better financial positions. During the third quarter of the year, negative equity in the housing market took a sizable tumble, according to the latest data from… Read More

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