Are you feeling a little overwhelmed by the post-holiday excess all around you? Have the past several years of your family’s success with Santa left your closets, garage, attic and office filled to the rafters? If so, it may be time for some creative clutter-busting strategies. Here are eight ways to kick the new year... Read More
Sometimes a little knowledge is a dangerous thing. For example, many people probably assume that because of the statute of limitations, after a certain period of time, they no longer owe a debt. Not true. Here’s a question to launch us into today’s topic. Is there an expiration date for collection of a bill? I... Read More
Until the Fair and Accurate Credit Transactions Act was signed into law in 2003, Americans weren’t entitled to free annual credit reports. And 24 years ago, when I began my career in consumer news, you couldn’t see your credit score at all, at any price. Consumer access to credit reports and scores is a good thing. After all, if... Read More
What can you do when your outgo exceeds your income? If the situation is temporary, you borrow. But if it isn’t, borrowing is just going to make the situation worse. Here’s this week’s question: I am on Social Security and my husband is on disability. We are paying out more than we take in. Our house... Read More
A few years ago, I was invited, along with a group of my friends, to a party at a waterfront mansion here in Fort Lauderdale. The house featured two elevators, about 20,000 square feet and a living room that resembled an upscale hotel lobby. As we stood in a small group marveling at a side... Read More
If you think the Internal Revenue Service expects to hear from everybody this time of year, here’s a quote that might surprise you. It’s from an IRS spokesperson I’ve interviewed many times, Mike Dobzinski. “We get quite a few returns that come in that really don’t have to be filed. If we can discern from... Read More
Depending on where you live, property taxes can range from a slight inconvenience to a crushing expense. Here in South Florida, for example, the annual tax bill for my 2,200-square-foot waterfront home is close to $9,000 annually. Outside Atlanta, where my parents lived, they were paying less than $1,000 per year. But wherever you live, if you... Read More
When it comes to most items, drugstore chains such as Walgreens or CVS frequently can’t compete on price with stores such as Walmart, Target or the local grocery store. But as with many things in life, there are hacks that level the playing field. For example, WildForWags and WildForCVS owner Christie Hardcastle told me she regularly finds deals at chain... Read More
When you’re sick, you go to the doctor. When your car dies, you find a mechanic. But when it comes to your money, do you really need a financial adviser, or can you do it yourself? Here’s this week’s question: Do I really need a financial adviser to handle my money, or will I do just fine... Read More
Sometimes getting ahead feels more like a herd of turtles than a rabbit. That’s especially true when it comes to credit scores. Check out this reader question, and see if you can relate. Hi! I have a question for you. I’ve been working on improving my credit score for about three years now, but I cannot... Read More
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