3 Accounts That Could Hurt Your Credit Score

Credit Score

3 Accounts That Could Hurt Your Credit Score

3 Accounts That Could Hurt Your Credit Score

If you ask most people what types of credit accounts can hurt your credit score, almost everyone will tell you that your credit cards have a huge impact. That is true – credit cards do impact credit scores (both negatively AND positively). Other accounts that impact your score that might typically come to mind are... Read More

How Much Should I Be Saving For Retirement?

Personal Finance

How Much Should I Be Saving For Retirement?

How Much Should I Be Saving For Retirement?

After I published my post on our on-going retirement crisis recently, I got a few emails asking me the same question: I don’t want to be working when I’m 77 years old. How much should I be saving for retirement? You’ll hear a lot of answers to this question: $1 million is something you’ll hear... Read More

Why the Police Want You to Upgrade to iOS 7

Identity Theft

Why the Police Want You to Upgrade to iOS 7

Why the Police Want You to Upgrade to iOS 7

The economics of petty theft is an interesting chicken-and-egg game. That’s how New York City police officers recently ended up imploring consumers to download the new iPhone operating system, iOS 7. They want you to be the egg. Last week, New York Attorney General Eric T. Schneiderman was among leading law enforcement officials calling on consumers... Read More

Does Getting Approved for a Credit Card Help Your Credit Score?

Credit Score

Does Getting Approved for a Credit Card Help Your Credit Score?

Does Getting Approved for a Credit Card Help Your Credit Score?

You’ve probably heard that applying for credit will likely create an inquiry on your credit report (or reports) reviewed as part of the application process. You also probably know that inquiries can lower your credit scores. Fortunately, the impact to your credit scores from an inquiry or two will usually be small, and is fairly... Read More

4 Money Mindsets: Which Is Yours?

Personal Finance

4 Money Mindsets: Which Is Yours?

4 Money Mindsets: Which Is Yours?

About 90% of Americans engage in some sort of personal financial planning, but few have a clear, well-rounded approach to reaching their goals. This month, the Certified Financial Planner Board of Standards and the Consumer Federation of America released the 2013 Household Financial Planning Survey and Index, which detailed the four categories of planners among... Read More

The Poorest Areas in America

Personal Finance

The Poorest Areas in America

The Poorest Areas in America

In the annual American Community Survey, the U.S. Census Bureau releases statistics on the population. Age, race, location, income — these and more are outlined in the report, and the 2012 survey, released this month, gave insight into the country’s wealth distribution. Last year, the median U.S. household income was $51,371. To determine which areas have... Read More

What to Do if an Authorized User Is Abusing Your Credit Card

Credit Cards

What to Do if an Authorized User Is Abusing Your Credit Card

What to Do if an Authorized User Is Abusing Your Credit Card

The idea of adding an authorized user to a credit card account is often considered to be as risky as cosigning a loan: many advise not to do it. There’s always the lingering fear that an irresponsible individual could ruin your credit profile if you give him or her the benefit of the doubt. Unlike... Read More

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