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Author Archives: Guest Post

7 Things You Need to Know About the Statutes of Limitation for Debt


If you have old unpaid debts, it can be helpful to know the statute of limitation that applies to those debts. If the statute of limitation (SOL) has expired, a debt is said to be “time-barred,” and a creditor or debt collector is not supposed to sue you to collect. Here are the seven most common questions we’ve received from readers ... Read More »

    Why Paying Off Your Auto Loan Early Doesn’t Always Save Money


    Paying off your auto loan on time and in full is definitely not a bad financial move. With timely payments, you can keep your credit healthy, plan your budget month-to-month and prove that you can keep a deadline. And if you’re impatient, ambitious, newly minted or some combination of the three, paying off a car loan early is a perfectly acceptable (and allowable) option. ... Read More »

      Beth’s Story: Should I Consider Bankruptcy?


      For more than a decade I have used a fairly specific approach to help people find their way when struggling to keep up with their bills. I generally focus on six mainstream options to deal with debt, including filing for bankruptcy, debt consolidation loans and negotiations with creditors and debt collectors. Once I gather some basic facts about an individual’s ... Read More »

        4 Non-Banks Where You Can Get a Mortgage


        Getting a home loan doesn’t require a trip to the bank. In fact, 37.5% of mortgages originated in 2014 came from non-bank lenders, according to Inside Mortgage Finance. That share has grown significantly in the last few years, but it’s not a new concept. Non-bank lending declined dramatically during the mortgage crisis, but the current market share is similar to ... Read More »

          How to Go From ‘C’ Student to Self-Made Millionaire

          Every day wasted is money wasted. Make the tough choices young so you don't wind up broke, old, sick, and counting pennies.

          Do you have to be naturally smart in order to strike it rich? Is intelligence a prerequisite for success? In my five-year study of the daily habits of 233 self-made millionaires and 128 individuals at or near poverty (Rich Habits Study – Background on Methodology) I uncovered the answer to these and many other questions. Let’s take a look at ... Read More »

            Millennial Entrepreneurship: The Dream vs. The Reality


            I’m what you might call a wannabe serial entrepreneur. Rarely does a week go by without some version of a million dollar idea exciting me with possibilities of solving the world’s problems while simultaneously becoming rich myself. Clearly dreaming big isn’t my problem. But there’s a big difference between the entrepreneurial spirit and entrepreneurial reality. I can come up with ... Read More »

              Is It Cheaper to Build or Buy a House?


              The home-buying process can be an exciting time for many people. As you start to look at homes, you might be wondering “is it cheaper to build or buy a house”? While there are pros and cons to each decision, you might be surprised when you compare the two. According to the National Association of Home Builders, the median price ... Read More »

                Massive Auburn University Data Breach Ensnares Applicants, Students & Those Who Never Even Applied

                ID Theft or Stolen Identity

                Thousands of students who never even applied to Auburn University have had their personal information, including Social Security numbers, exposed due to a security flaw discovered March 2. Information about 364,012 current, former and prospective students was accessible online between Sept. 1, 2014, and March 2, 2015. “The exposure resulted from configuration issues with a new device installed to replace ... Read More »

                  How I Became a Real Estate Investor on a $58,000 Salary


                  There is no shortage of personal finance experts touting a frugal lifestyle, but just how far can you get ahead just by skipping your daily latte and living like a college student? For one woman, cutting corners got her far enough to own four homes free and clear. Saving for the American Dream Janet Laverty is a 39-year-old marketing professional, ... Read More »

                    3 Ways to Avoid Costly Rental Car Insurance

                    Drive Carefully

                    I’ve been rear-ended in a rental car by a hit-and-run driver. And on my last business trip, the rental agent almost foisted a car with a scratched-up bumper on me. (Thankfully, I remembered to inspect the vehicle before I left the lot and asked for a different one.) So I know firsthand the importance of making sure you have adequate ... Read More »

                      Feds: Millions Targeted by ‘Phantom’ Debt Collection Scheme

                      angry woman

                      A Georgia firm called millions of consumers attempting to collect on “phantom” debts, and tricked consumers by citing personal information purchased from payday loan lead generators, federal investigators allege. A lawsuit against Universal Debt and Payment solutions and a host of related companies was revealed Wednesday, alleging the firm’s tactics included purchasing personal information from data brokers that operators could ... Read More »

                        The Myth of the 4-Year College Degree


                        Choosing the right college involves some serious decisions. Where to attend, how much it will cost, and is it affordable, are usually the first questions that come to mind. Many people tend to base the answers to these questions on the annual tuition information posted by schools, and assume that it will take them four years to obtain a “four-year ... Read More »

                          7 Colleges You Can Attend for Free


                          There are several ways to avoid taking out student loans in order to get a degree. The first: save a ton of money. That’s usually best accomplished over the course of a child’s lifetime. Another tactic: scholarships. Then there’s the option of choosing an inexpensive school you can pay for out of pocket, probably by working in addition to studying. ... Read More »

                            How Much Can Gardening Really Help You Save on Produce?


                            About this time of year, a lot of us think that maybe we could grow some of the food we eat. If not to save money, then to know where our food came from and what chemicals it was exposed to. Meryl Streep was famously quoted as saying, “It’s bizarre that the produce manager is more important to my children’s ... Read More »

                              5 Ways to Protect Yourself From Credit Card Fraud at Gas Stations


                              Consumers typically worry about credit card fraud when making purchases online or conducting ATM transactions, but over the past few years, fraudulent credit card activity has taken the form of gas station scams that use technology to victimize patrons. According to the FTC’s 2011 Sentinel Network Data Book, which reports on consumer complaints, credit card fraud was ranked second among the highest and ... Read More »

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