What Should I Do With My Tax Refund?

Personal Finance

What Should I Do With My Tax Refund?

What Should I Do With My Tax Refund?

Filing your taxes early provides a lot of advantages: It reduces the stress that comes with last-minute filing, can prevent tax return fraud (you get to it before the crooks do) and if you’re getting a refund, you receive it sooner. And when that refund arrives, it can be oh-so exciting. What to do with... Read More

10 Characteristics of Debt-Free People

Managing Debt

10 Characteristics of Debt-Free People

10 Characteristics of Debt-Free People

Whether you’ve resolved to get debt-free in 2014 or you have a long way to go, it’s good to be inspired. Look at people you know who are already living debt-free lives. Whether it’s a friend, family member or co-worker, the person you are thinking of probably shares similar qualities with other debt-free people. Here... Read More

A Roadmap to Better Credit Scores

Credit Score

A Roadmap to Better Credit Scores

A Roadmap to Better Credit Scores

I’m often asked about the best ways to improve a consumer’s credit scores. Is it by paying bills on time or is it better to pay off credit card debt? Or, is it by avoiding any new, unnecessary credit?  The answer, of course, is that all of those factors are important to achieving and maintaining... Read More

5 Homebuying Hiccups for Veterans to Avoid

Mortgages

5 Homebuying Hiccups for Veterans to Avoid

5 Homebuying Hiccups for Veterans to Avoid

Many homebuyers and agents shy away from the Department of Veterans Affairs (VA) home loan program for fear that the process is too difficult or restrictions are too numerous. But if you’re a veteran in search of a mortgage, you don’t have to let these misconceptions drive you away from them. These government-backed mortgages are... Read More

Another Massive Data Breach Strikes Hotel Chains

Identity Theft

Another Massive Data Breach Strikes Hotel Chains

Another Massive Data Breach Strikes Hotel Chains

How many major data breaches have you heard about in the past two months — five, maybe? Add another one to the list: White Lodging — an Indiana-based company that owns, develops and manages Hilton, Marriott, Westin and Sheraton hotels across the country — experienced a data breach that compromised thousands of guests’ credit and... Read More

What to Do With a Childhood Savings Bond

Personal Finance

What to Do With a Childhood Savings Bond

What to Do With a Childhood Savings Bond

A savings bond used to be a common gift, though not always a welcome one. Well-meaning relatives gifted savings bonds for your birthday or the holidays. The goal was often to help you pay for college in the future. But for us kids, all we knew was it wasn’t the Pound Puppy or Care Bear... Read More

How a Credit Card Is Made

Credit Cards

How a Credit Card Is Made

How a Credit Card Is Made

Where do credit cards come from? There is a very good chance the credit cards in your wallet were manufactured at CPI Card Group, just outside of Denver. CPI produces more than 1.2 billion cards each year including credit cards, debit cards, transit cards and gift cards, and its headquarters in Littleton, Colo., produces more... Read More

The Problem With Wealth: Narcissism?

Credit Score

The Problem With Wealth: Narcissism?

The Problem With Wealth: Narcissism?

Some psychological research has explored the idea that wealthier Americans are more narcissistic than others — that because they have money, they’re more likely to be self-centered and have feelings of superior self-worth. Paul K. Piff, a social psychologist and post-doctoral scholar at the University of California, Berkeley, studies how people’s upbringing and social class... Read More

How Pinching Pennies Can Help You Save Thousands

Personal Finance

How Pinching Pennies Can Help You Save Thousands

How Pinching Pennies Can Help You Save Thousands

When it comes to saving money, we tend to get stuck on finding ways to save big. We want to save hundreds on car insurance, or slash our cellphone bills in half. Maybe we check out refinancing a mortgage to save $1,500 a year. None of these are bad things. But if you’re living on... Read More

3 Ways Love Can Affect Your Credit Scores

Credit Score

3 Ways Love Can Affect Your Credit Scores

3 Ways Love Can Affect Your Credit Scores

Falling in love may make your heart sing, but it won’t make a bit of difference in your credit scores — those generally stay separate. That’s unless you feel moved to do something like … co-sign a loan, sign up for credit jointly or use a lot of your available credit to finance a big... Read More

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