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Author Archives: Guest Post

How to Start Making Money With a Pet Business

dog running

It’s a staggering number. The American Pet Products Association estimates that pet owners will spend over $60 billion on their pets in 2015. Owners love their pets and don’t mind spending money on them. If you need extra income, or a new career, you can profit from pet ownership. As the former owner of a pet grooming business, I know ... Read More »

    What a Typical Debt Collector Payment Plan Looks Like

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    When a debt collector has contacted you about a past-due debt and you are unable to pay the entire amount, or settle the account for less than the balance in a lump sum payment, you may have another option — a payment plan. A payment plan is not available on every account, but for those accounts that are eligible, a ... Read More »

      What’s Missing from Hillary Clinton’s Student Loan Plan

      Hillary_Clinton_official_Secretary_of_State_portrait_crop

      Little by little, the mass of humanity that’s running for President of the United States is coming to realize something very important: Not only does the $1.2 trillion worth of higher education-related debt pose significant macroeconomic peril to the country, but solving this problem (or, at least, coming close) has the potential to rally widespread, enthusiastic support across the generational ... Read More »

        Dvorkin On Debt: Your Credit Card Is Not Your Friend

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        Why do we use credit cards? It seems like such a basic question, but can you guess the answer? If you said, “Obviously for all the rewards, cash back, and airline miles you can rack up,” well…you’re wrong. “The single biggest reason Americans use credit cards is because they are easier and more convenient than paying with cash,” says a recent ... Read More »

          10 Ways to Cut the Cost of Self Storage

          illustration of a self storage isolated on white background

          Americans buy – and keep – a lot of stuff. That’s made self-storage a $24 billion industry, according to its major trade group, the Self Storage Association. According to the SSA, 84 percent of all U.S. counties have at least one self-storage facility. It’s been one of the fastest-growing sectors of the commercial real-estate industry for the past 35 years, ... Read More »

            The First Steps to Take Before You Start Paying Your Student Loans

            get out of debt

            It’s a whole new world once you leave the cocoon of college and head off into the real world to make a living. You’re no doubt overwhelmed with getting a job and finding a place to live. That’s understandable. But if you paid for your college education with student loans, it’s also incredibly important to check your credit reports and ... Read More »

              Evictions Reach 5-Year Low

              get out of debt

              Apartment evictions in 2014 were at their lowest level in five years, according to a new report from credit reporting agency TransUnion. The agency recorded 3.4 million evictions last year, down from 3.5 million in 2013. Eviction proceedings vary by state, but generally a landlord needs legal cause for kicking someone out of a rental unit — like failing to ... Read More »

                Why We Need to Stop Sneering at Millennials

                retirement

                I’m the perfect age (um, let’s just say in my 50s) and profession (CPA and credit counselor) to insult Millennials. They’re idealistic. They don’t work hard. They need constant care and feeding to do their jobs. On and on. Except I don’t believe any of that. While my parents were the Greatest Generation, I believe my children will eclipse them. ... Read More »

                  Fake Waitress Allegedly Snags Diner’s Credit Card

                  get out of debt

                  Take a good look at your server the next time you’re dining out, because if someone you don’t recognize comes to take your credit card at the end of your meal, you may not want to hand it over. A man who was eating at a restaurant in Santa Fe, N.M., said a woman he thought to be a waitress ... Read More »

                    5 Ways to Save on Summer Travel

                    get out of debt

                    With the weather warming up and images of travel getaways looking even sweeter than before, you are probably looking forward to (or trying to figure out how to afford) getting some vacation time this summer. Even if your trip seems miles or months away, you can start figuring out how to save for it now. No matter what type of ... Read More »

                      The States With the Highest Bankruptcy Rates

                      get out of debt

                      Every year, hundreds of thousands of Americans file for bankruptcy. Even though it damages the consumer’s credit for years and many people would do almost anything to avoid bankruptcy, it’s sometimes the best and fastest way for a debtor to recover from financial hardship. It’s not a decision to make lightly, but it’s also an option you don’t want to ... Read More »

                        Corinthian’s Failure Is the Government’s Failure, Too

                        get out of debt

                        No doubt you’ve heard the news: Corinthian Colleges has flipped the switch, leaving its 16,000 current students in the dark. The for-profit “career college,” headquartered in Santa Ana, Calif., had been the subject of student and staff complaints, investigations by numerous state attorneys general, the Consumer Financial Protection Bureau and the Securities and Exchange Commission. Most recently, it was also ... Read More »

                          The Next Big Company to Offer Free College Tuition: Fiat Chrysler

                          get out of debt

                          Thousands of employees at U.S. car dealerships will have the opportunity to get a free college degree as part of a program announced today by Fiat Chrysler Automobiles and Strayer University. Employees at Chrysler, Jeep, Dodge, Ram Truck and Fiat dealerships across the country will have the opportunity to get associate’s, bachelor’s or master’s degrees in disciplines including business administration, ... Read More »

                            7 Tips for Moving Back Home

                            get out of debt

                            With crippling student loan payments and a bleak (yet improving!) job market, the boomerang effect is stronger than ever. In fact, a Pew Research Center study reveals that 36% of young adults between age 18 and 31 in the United States moved back home to live with their parents in 2012. That’s the highest percentage in at least 40 years. ... Read More »

                              Secured Card vs. Prepaid Card: Which is Better If You Have Bad Credit?

                              get out of debt

                              If you have bad credit, finding a credit card can be tough. But not having one can be inconvenient, especially if you travel or shop online. That’s where cards for bad credit come in. They are easier to get than traditional cards, and may provide some of the benefits. The cards in this category fall into two camps: prepaid cards ... Read More »

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