Job Seekers Should Guard Private Information To Avoid Scams

Identity Theft

Job Seekers Should Guard Private Information To Avoid Scams

Job Seekers Should Guard Private Information To Avoid Scams

The most recent unemployment figures show a small decline in the number of jobless Americans; however, the national rate continues to hover around 10 percent. Separate reports also reveal the number of individuals who, as of December 2010, have been unemployed for more than a year increased from 25 to 30 percent. And now, job… Read More

The 9 Worst Cities for Foreclosure

Mortgages

The 9 Worst Cities for Foreclosure

The 9 Worst Cities for Foreclosure

Las Vegas got pummeled – again – by foreclosures in 2010, with nearly one out of every nine housing units in the area getting foreclosed on last year. Miami posted the fifth-worst rate of foreclosures in 2010, with 7% of all houses getting foreclosed upon. But the total number of foreclosure there, 171,704, was far… Read More

Under 18? No Credit Card For You!

Students

Under 18? No Credit Card For You!

Under 18? No Credit Card For You!

Generally speaking I’m no fan of age discrimination, but getting a credit card before you’re a technical “adult” is just asking for trouble and shouldn’t be allowed. Seriously, what good comes of giving a 17 year-old a credit line? Even if the teen is bringing in some income from his or her part-time job at… Read More

Report: Since Everyone Caused the Crisis, No One is to Blame

Personal Finance

Report: Since Everyone Caused the Crisis, No One is to Blame

Report: Since Everyone Caused the Crisis, No One is to Blame

The Financial Crisis Inquiry Commission spent a year and a half investigating what caused the Great Recession of 2007-2010. They interviewed more than 700 people, and last week released a book-length report purporting to be the final word on what caused the financial meltdown. And yet many readers and reviewers come away feeling . …. Read More

The 10 Best and Worst Cities to Buy a House in 2011

Mortgages

The 10 Best and Worst Cities to Buy a House in 2011

The 10 Best and Worst Cities to Buy a House in 2011

Buying a house in Washington, D.C. could be a great financial move this year, and home buyers in Columbus, Ohio, will see a dramatic reversal of fortunes in 2011. But people looking to buy houses in Virginia Beach, Va., may want to keep on renting. A report released recently by Clear Capital, a mortgage industry… Read More

Specialty Consumer Reports: Employment Reports

Credit Score

Specialty Consumer Reports: Employment Reports

Specialty Consumer Reports: Employment Reports

This is Part Four in my series on how to request free copies of your specialty consumer reports. You can read the entire series starting here. If you’ve applied for a job lately, you may have been asked to fill out a form authorizing your prospective employer to conduct a background check on you. Here is… Read More

Freeze Frame: Sending a Smart Phone Photo Could Cost You Big-Time

Identity Theft

Freeze Frame: Sending a Smart Phone Photo Could Cost You Big-Time

Freeze Frame: Sending a Smart Phone Photo Could Cost You Big-Time

If you’ve ever snapped a photo of you and your friends and family at a fancy dinner, or at an out-of-state wedding, you could also be extending an invitation to criminals. Turns out, there’s a clue attached to every cell phone photo that tells thieves where you are – leaving your home vulnerable to thieves… Read More

Many Americans Still Struggling with Credit Card Debt

Managing Debt

Many Americans Still Struggling with Credit Card Debt

Many Americans Still Struggling with Credit Card Debt

Californians owe more to credit card lenders than consumers in other states, according to a new study by the credit monitoring bureau Equifax. In total, these Americans owe nearly $90.6 billion, well ahead of the states with the next two largest outstanding balances, Texas – more than $48.8 billion – and Florida – nearly $47.6… Read More

Survey: Home Values Will Keep Falling in 2011

Mortgages

Survey: Home Values Will Keep Falling in 2011

Survey: Home Values Will Keep Falling in 2011

Home prices fell 4.1% in 2010, and the drop in 2011 could be nearly as steep, according to a forecast published recently by Clear Capital, a research firm serving the mortgage industry. Prices will fall by another 3.7% this year, the company believes. The annual figures conceal a lot of volatility. Home prices actually increased… Read More

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