How Much Are You Spending on Junk?

Personal Finance

How Much Are You Spending on Junk?

How Much Are You Spending on Junk?

In America, we spend more money on consumer goods than any other country on the planet. Somewhere along the way, we’ve pinned our happiness on stuff; the unhealthy, the unnecessary, and the unimportant — aka junk. So do you know how much you’re spending on junk? Unhealthy Junk If it doesn’t come from the ground,... Read More

The Big Secret to Navigating the Confusing World of Credit

Credit Score

The Big Secret to Navigating the Confusing World of Credit

The Big Secret to Navigating the Confusing World of Credit

Understanding your credit reports and credit scores is important — but isn’t always easy. And if you have to deal with credit reporting agencies (CRAs), creditors, debt collectors, and the like, it’s sometimes infuriating to try to navigate this complex system: They use different terminology and they sometimes have different priorities and a different timeline... Read More

The Little-Known Way to Cut Your Mortgage Payment

Mortgages

The Little-Known Way to Cut Your Mortgage Payment

The Little-Known Way to Cut Your Mortgage Payment

For consumers purchasing or refinancing a home with less than 20% equity or 20% down, there’s a little-known fee that will apply to the total mortgage payment, effectively inflating the monthly outlay. Mortgage insurance is paid by the the homeowner to insure the lender against future mortgage payment default. Mortgage insurance, also dubbed as PMI... Read More

18 Money Experts You Should Follow on Twitter

Personal Finance

18 Money Experts You Should Follow on Twitter

18 Money Experts You Should Follow on Twitter

Social media is a great way to stay informed about the world around you, and the realm of personal finance is no different. The best social networking site for breaking news and updates is Twitter, where you can amass followers and peek into the insights of journalists, celebrities and financial advisers alike. Here are a... Read More

The Smart Way to Pay Off Your Mortgage

Mortgages

The Smart Way to Pay Off Your Mortgage

The Smart Way to Pay Off Your Mortgage

When it comes to debt, I always say the faster you can pay it off, the better. But until recently, not many people thought of a mortgage as debt in the traditional sense. This could partially be due to the fact that most mortgages have a fixed term and a fixed rate, and that a... Read More

Consumers Making Fewer Late Payments

Managing Debt

Consumers Making Fewer Late Payments

Consumers Making Fewer Late Payments

The recent economic downturn caused many Americans to take a hard look at how they handle their finances, changing many of their spending and borrowing habits. That, in turn, has led to the massive declines in delinquency and default during the past few years, and this trend continued through the end of the first quarter... Read More

Is Your Mall Spying on You?

Identity Theft

Is Your Mall Spying on You?

Is Your Mall Spying on You?

Retailers are always trying to understand more about their customers’ habits. Companies want to know what kinds of products you buy, how you purchase them, and why you buy, presumably so they can more effectively market to you. But how far is too far when it comes to obtaining information about your shopping habits? Retailers... Read More

Should You Use Credit or Debit When Shopping Online?

Credit Cards

Should You Use Credit or Debit When Shopping Online?

Should You Use Credit or Debit When Shopping Online?

There’s nothing wrong with shopping online — it’s fast, easy and convenient — but it’s also important to make sure you know and trust the online companies you’re frequenting. We recently received this question from a reader on how to cyber-shop safely: “I use my credit card to make purchases online and usually receive these... Read More

Student Loan Interest Rate Fix at Standstill

Students

Student Loan Interest Rate Fix at Standstill

Student Loan Interest Rate Fix at Standstill

Student loan interest rates doubled July 1 as Congress left for the weeklong holiday recess without passing legislation that would prevent the automatic rate hike. But despite promises to rectify the situation upon their return last week, yet again partisan gridlock derailed attempts to address the issue, with interest rates remaining at 6.8 percent. That... Read More

The Fast Way to Find Out If Your Identity Has Been Stolen

Identity Theft

The Fast Way to Find Out If Your Identity Has Been Stolen

The Fast Way to Find Out If Your Identity Has Been Stolen

Credit.com Co-Founder and Chairman Adam Levin answers a reader’s question about the fastest way to find out if her identity has been stolen, and how she can maintain her credit if it has been compromised. If you’re worried about your identity being stolen, you can monitor your credit for free using the Credit Report Card.... Read More

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