Can a Credit Card Company Really Come to Your House?

Credit Cards

Can a Credit Card Company Really Come to Your House?

Can a Credit Card Company Really Come to Your House?

There’s a new reason to carefully read the fine print in contracts you sign: to find out who might be coming for dinner. L.A. Times consumer reporter David Lazarus reported this week that credit card issuer Capital One’s cardholder agreement includes some surprising terms. According to Lazarus, the agreement says the company may “contact you... Read More

Does Getting Approved for a Mortgage Mean You Can Actually Afford it?

Mortgages

Does Getting Approved for a Mortgage Mean You Can Actually Afford it?

Does Getting Approved for a Mortgage Mean You Can Actually Afford it?

Check online, and you can find any number of handy “how much house can I afford?” calculators. These calculators will take your income, monthly debt payments, and estimated homeowner expenses to figure out how much money a bank might loan you for a home. The important thing to remember about these calculators – and sometimes... Read More

5 Real Estate Rules You Shouldn’t Break

Mortgages

5 Real Estate Rules You Shouldn’t Break

5 Real Estate Rules You Shouldn’t Break

Spring signals the start of two hallowed seasons: homebuying and baseball. Like the national pastime, purchasing a home supposedly comes with its own set of “unwritten rules.” Conventional wisdom and considered opinion have long led consumers to believe you never make an offer on the first home you tour, or you always close at the... Read More

The Best Credit Cards in America: Simple Cards

Credit Cards

The Best Credit Cards in America: Simple Cards

The Best Credit Cards in America: Simple Cards

Credit cards can be such secure and convenient financial tools that they might seem like magic to people who lived 100 years ago. Unfortunately, these magical little plastic cards also come with a maze of terms and conditions that can be a nightmare for many users. In fact, the two biggest problems that many credit... Read More

How Being an Identity Theft VICTIM Could Land You in Jail

Identity Theft

How Being an Identity Theft VICTIM Could Land You in Jail

How Being an Identity Theft VICTIM Could Land You in Jail

When ordinary people become victims of identity theft, the legal repercussions can be enormous. To make matters worse, some victims not only have to deal with financial fraud but also face the risk of being jailed for crimes they didn’t commit. Identity thieves may perpetrate crimes while masking their true identities with the names of... Read More

When Is the Best Time to Teach Kids About Credit Cards?

Credit Cards

When Is the Best Time to Teach Kids About Credit Cards?

When Is the Best Time to Teach Kids About Credit Cards?

Children mature at different rates, but in general, the earlier you explain the concepts of money and credit to your kids, the better. Under the Credit CARD Act, companies can’t issue a credit card to anyone under 21 unless the applicant can demonstrate they have the income to pay the debt. But he or she... Read More

Does ‘Pre-Approved’ Guarantee I’ll Get a Credit Card?

Credit Cards

Does ‘Pre-Approved’ Guarantee I’ll Get a Credit Card?

Does ‘Pre-Approved’ Guarantee I’ll Get a Credit Card?

Nearly all of us have received an offer in the mail at some point indicating that they have been “pre-approved” for a new credit card. These offers, which include an application, are meant to entice recipients into applying for a credit card. After all, pre-approval sounds so good, perhaps it actually guarantees that their application... Read More

How a Good Deed Could Earn You $30,000

Personal Finance

How a Good Deed Could Earn You $30,000

How a Good Deed Could Earn You $30,000

What would you do if you were told you were being given $30,000 out of the blue by an anonymous donor? You’d probably think exactly what Royal Nunes thought: “It’s a scam.” “They called me while I was playing basketball and I said, ‘You are lying.’ I almost hung up the phone,” he laughs. But... Read More

The Cost of Pregnancy (So Far)

Personal Finance

The Cost of Pregnancy (So Far)

The Cost of Pregnancy (So Far)

The cost of pregnancy extends beyond just doctor visits and new baby furniture. Here, one writer runs through the costs she’s encountered on her way to motherhood.  Necessities Pregnancy test, most expensive one that was on the shelf because I figured now is not the time: $23 Breakfast with best friend after stricken fiance goes... Read More

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