4 Smart Gift Ideas for Students

Students

4 Smart Gift Ideas for Students

4 Smart Gift Ideas for Students

The cost of education goes beyond the hefty price tags on tuition and books, but paying for those essentials can leave students little to spend on other things that impact success and happiness, like healthy meals and presentable clothing. That’s where a thoughtful gift can make a difference. There may not be a lot of... Read More

Can I Buy My Own Debt for Pennies on the Dollar?

Managing Debt

Can I Buy My Own Debt for Pennies on the Dollar?

Can I Buy My Own Debt for Pennies on the Dollar?

During the past few years, there has been a growing awareness of how unpaid debts get bought and sold. The fact that debts can be purchased for steep discounts by investors and collection companies — who then work to collect the full balances owed — has lead to some meaningful discussions, and increased scrutiny of... Read More

Why a Mortgage May Cost You More in 2014

Mortgages

Why a Mortgage May Cost You More in 2014

Why a Mortgage May Cost You More in 2014

The Federal Housing Administration recently announced a reduction in high-cost area loan limits. This reduction comes in accordance with the government’s ongoing effort to retreat from the housing market. Rewind the clock back to 2008, when financial markets were significantly depressed, the economy was on the verge of recession — enter the FHA as the new outlet... Read More

Debt Is Driving People to Shop With Cash

Personal Finance

Debt Is Driving People to Shop With Cash

Debt Is Driving People to Shop With Cash

The majority of Americans (56.4%) used cash for some of their holiday shopping last year, according to a survey of consumers conducted by Credit.com, and about 20% said they would use cash and debit cards more this year than they did in 2012. People use a variety of payment methods throughout the season for different... Read More

Help! I’m Breaking My Lease

Personal Finance

Help! I’m Breaking My Lease

Help! I’m Breaking My Lease

I have six months left on my lease (I live in D.C.), and I just have to move for personal reasons. I notified the landlord (an individual, not a corporation) two weeks ahead of time (not far enough, I know, but I was only sure about the move then). My rent covers until the end... Read More

5 Financial Tips That Can Lead You Astray

Personal Finance

5 Financial Tips That Can Lead You Astray

5 Financial Tips That Can Lead You Astray

Most of us tend to like cut-and-dry answers to our financial questions. How much house can I afford? There’s a rule of thumb for that. From the order you pay off your debt to the amount you should withdraw in retirement, there are a number of financial guidelines available to help you make better financial... Read More

10 Tips to Protect Your Identity As You Travel

Identity Theft

10 Tips to Protect Your Identity As You Travel

10 Tips to Protect Your Identity As You Travel

Identity theft doesn’t take a vacation—even when you do. As winter sets in, the bogus offers go out: Phishing emails that can unleash malware on your computer, so-called free vacations and prizes that require a credit card or Social Security number to claim, and low-cost vacation rentals that can lead to a quick gotcha. Let’s... Read More

Warren Bill Would End Employer Credit Checks

Credit Score

Warren Bill Would End Employer Credit Checks

Warren Bill Would End Employer Credit Checks

Senators introduced legislation Tuesday that would bar employers from requiring potential employees to share their credit reports as part of their job applications. The bill, called the Equal Employment for All Act, also prohibits employers from disqualifying candidates based on creditworthiness. In a news release about the bill, Sen. Elizabeth Warren (D-Mass.) explained the motivation... Read More

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