5 Things That Won’t Hurt Your Credit Score

Credit Score

5 Things That Won’t Hurt Your Credit Score

5 Things That Won’t Hurt Your Credit Score

Plenty of things can help a consumer’s credit scores, and even more can hurt it. But not everything is positive or negative. Some things in the financial world just don’t matter when it comes to credit. This may be a relief to some people who are worried about hurting their credit because of issues relating... Read More

How to Cut Costs in the Homebuying Process

Mortgages

How to Cut Costs in the Homebuying Process

How to Cut Costs in the Homebuying Process

For nearly all of us, buying a home represents one of the biggest financial transactions of our lifetime. There’s really nothing that compares to buying a home, since not only do we have to put up thousands of dollars of our own money but we also (usually) have to borrow much more than that. There’s really no... Read More

6 Tips for Safer Passwords

Identity Theft

6 Tips for Safer Passwords

6 Tips for Safer Passwords

The recent hack attack that compromised nearly 2 million Internet passwords worldwide highlights consumer vulnerability online—and the need for users to get more sophisticated when it comes to security. Hackers stole nearly 2 million website log-in credentials from Facebook, Gmail, Twitter and other sites, according to the cybersecurity firm Trustwave. One reason for the widespread... Read More

The 25% Strategy to Budgeting

Personal Finance

The 25% Strategy to Budgeting

The 25% Strategy to Budgeting

For most people, balancing personal budgets is a tedious and time-consuming process. These days, though, the task has become even more challenging. According to the Federal Reserve, average household debt in the U.S. increased 5.25% during the quarter ending Sept. 30, which isn’t surprising given that annualized real (net of inflation) wage growth continues to... Read More

How to Use Your Credit Card for Charity

Credit Cards

How to Use Your Credit Card for Charity

How to Use Your Credit Card for Charity

Every year, charitable giving spikes toward the end of December as Americans celebrate the holidays and take advantage of their last opportunity to make a tax-deductible donation in the calendar year. Credit cards are typically part of this effort in one of two ways: Cardholders may use credit cards as a secure and convenient method... Read More

Student Loans… But Only for Some

Students

Student Loans… But Only for Some

Student Loans… But Only for Some

I recently read a disturbing article in a financial-industry publication. In it, the writer attempts to explain why so few student loans have been refinanced at a time when mortgage borrowers have had little trouble accomplishing the same. This has been the case despite education loan delinquency and default rates that are not only compromising... Read More

Elderly Woman Ignores HOA Mail, Loses Her Home

Mortgages

Elderly Woman Ignores HOA Mail, Loses Her Home

Elderly Woman Ignores HOA Mail, Loses Her Home

A Kentucky woman paid for her home in 2007 — $125,000 in cash — but she’s paying rent for that place now. After six years of failing to pay her $48 annual homeowner’s association fees and subsequent late fees, her house was foreclosed upon, according to a report from the Lexington Herald-Leader. Ingrid Boak, 75, said... Read More

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