How Does Google Wallet Work and Is It Safe?

Personal Finance

How Does Google Wallet Work and Is It Safe?

How Does Google Wallet Work and Is It Safe?

Mobile payments—rather than a credit card, or check—are becoming more and more popular and more and more common. In fact, globally, mobile payments are expected to be almost $50 billion by 2021. Being able to use your smartphone or smartwatch to make payments makes a lot of sense. We carry them almost everywhere and adding more credit... Read More

Avoiding Medical Debt After a Cancer Diagnosis

Managing Debt

Avoiding Medical Debt After a Cancer Diagnosis

Avoiding Medical Debt After a Cancer Diagnosis

Many Americans struggle with medical expenses. One in five Americans who have health insurance struggle to pay off their medical debt. For cancer patients with insurance, out-of-pocket costs can reach $12,000 just for one medication and average treatment costs can hit $150,000.1,2 And tragically, cancer patients are two-and-a-half times more likely to declare bankruptcy than people without cancer.2 For... Read More

What Is a Prime vs. Subprime Credit Score?

Credit Score

What Is a Prime vs. Subprime Credit Score?

What Is a Prime vs. Subprime Credit Score?

When it comes to credit, approval is all in the number—the three-digit number that’s your credit score. Most lenders and credit card issuers use this number to determine your risk level as a borrower. In general, credit scores are categorized as bad, poor, fair, good, good or excellent. However, another important designation impacts whether you’ll... Read More

CFPB Proposes Changes to Payday Loan Regulations

Personal Finance

CFPB Proposes Changes to Payday Loan Regulations

CFPB Proposes Changes to Payday Loan Regulations

The Consumer Financial Protection Bureau, or CFPB was created to ensure consumers receive fair treatment from financial companies, such as banks, credit card issuers and lenders. It implements and enforces federal consumer finance laws. But one law it hasn’t yet enacted is an Obama-era payday loan regulation aimed to protect consumers from debt accrued with... Read More

How Do I Maintain and Improve My Credit Score?

Credit Score

How Do I Maintain and Improve My Credit Score?

How Do I Maintain and Improve My Credit Score?

It can take years to get out of debt, especially with personal debt of hovering around $38,000 for the average America, if you don’t count mortgages, reports CNBC.1 Repairing your credit can involve paying back creditors, declaring bankruptcy or just getting control of bad financial habits. It takes time to get to improve your credit score and get the... Read More

Strengthen Your Finances with a Low APR

Credit Cards

Strengthen Your Finances with a Low APR

Strengthen Your Finances with a Low APR

Any savvy consumer knows that credit cards play an important role in today’s financial world. They offer convenience and a powerful tool to use in many situations. But just like any great product, credit cards can be misused. The smart credit cardholder understands how to get the best terms and when it is best to use a credit card.... Read More

Should I Take Out a Personal Loan to Pay Off Debt?

Managing Debt

Should I Take Out a Personal Loan to Pay Off Debt?

Should I Take Out a Personal Loan to Pay Off Debt?

A recent report gathered in the second quarter of 2018 found that Americans collectively carry $13.29 trillion in debt, which is $618 billion higher than 2008’s peak of $12.68 trillion. With debt rising, more and more people are turning to personal loans to pay off their high-interest debts, whether that’s medical bills, credit card balances, student debt,... Read More

How Much Money to Save for an Emergency

Personal Finance

How Much Money to Save for an Emergency

How Much Money to Save for an Emergency

An emergency fund is a must-have safety net. CNN reported that nearly 25% of American adults had no emergency savings whatsoever. Only 29% had the recommended six months of savings tucked away. This all begs the question, “How much emergency fund do you need?” Experts agree that you should have at least enough saved to cover six to... Read More

Fair Credit? You Have Credit Card Options

Credit Cards

Fair Credit? You Have Credit Card Options

Fair Credit? You Have Credit Card Options

Credit scores. Most of us have them—more than one—and many of us hate them. If you’re like a lot of Americans, your credit score is in the fair zone—from 580 to 699, depending on which scoring model is used, FICO or VantageScore. And that fair credit score can be, well, unfair. It places you the... Read More

What Happens If You Make a Late Credit Card Payment?

Credit Card Reviews

What Happens If You Make a Late Credit Card Payment?

What Happens If You Make a Late Credit Card Payment?

Uh-oh! You just received your credit card statement, and it shows interest charges and a $38 late fee that you didn’t expect. You realize you’re guilty of making a late credit card payment last month. Or worse, you realize you forgot to send your payment at all. Here’s a rundown of potential impacts that your... Read More

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