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Author Archives: Guest Post

Down in the Dumps? Your Credit Card Debt May Be to Blame, Study Finds

depressionfs

A recently released study shows that people with credit card debt and overdue bills are much more likely to experience symptoms of depression than those who don’t have such debts, particularly if they are near retirement, unmarried or less educated. The more short-term debt a person had, the more frequently they reported feeling those symptoms. The research, published May 1, ... Read More »

    5 Things Everyone Gets Wrong About Personal Loans

    personal_loans

    Personal loans can be either a useful tool for managing your finances or an opportunity to dig yourself into a dangerous financial hole. The difference between the former and latter comes from understanding the nature of this type of loan and being able to identify the most common mistakes made by borrowers. Personal loans are short-term loans with a fixed ... Read More »

      The Ultimate Guide to Saving Money at Starbucks

      how_to_save_money_at_starbucks

      As any lover of Starbucks will tell you, there is a real cost to a true caffeine addiction. With menu options that range from your basic drip coffee to elaborate espresso concoctions, or even choices that do not even contain coffee, America’s top purveyor of gourmet coffee drinks knows how to make money. Consumers often sabotage their savings by overspending and ... Read More »

        1 in 10 Americans Don’t Have a Credit Score or Credit Report

        credit_report_errors

        One in 10 U.S. adults is invisible to much of the American economy because they have no credit report or score, a new report by the Consumer Financial Protection Bureau has found. Those 26 million adults — disproportionately Black or Hispanic — have virtually no chance to borrow money or use credit cards. And another 19 million adults have credit ... Read More »

          What Does A “Charge-Off” Notation Mean On My Credit Report?

          credit_report_errors

          Q. What does a “charge-off” notation mean on my credit report? A. A common theme in my credit card debt relief law practice is to know what you owe and have a plan to pay off your credit card debt. The best way to get a true picture of your debts is to run your credit reports from the three ... Read More »

            44K Cars Were Stolen Last Year Because People Left Keys in Them

            girl_with_car_keys

            Having your car stolen would be a terrible thing to experience, but apparently thousands of Americans aren’t thinking about that because they leave their keys in their vehicles — and then the cars get stolen. Sure, it may seem like a no-brainer to not leave your keys in an unattended vehicle, but people are increasingly making this mistake, according to an ... Read More »

              A Guide to Getting a Mortgage After You’ve Had a Loan Modification

              Loan Modification Green Road Sign with dramatic clouds and sky.

              If you had a mortgage just a few years ago, fell on hard economic times or were offered a mortgage loan modification by your loan servicer and you’re looking to apply for a new mortgage loan, you’ll need to meet certain credit requirements to get a green light on a new loan. Here’s what you need to know. What Is ... Read More »

                5 Expensive College Financial Aid Gotchas

                get out of debt

                It’s crunch time for high school seniors: May 1 is College Decision Day, the day most college-bound students will let universities and colleges know whether they will be enrolling. For students agonizing over multiple offers, a big factor in choices will (or should be) financial aid. After all, the less you borrow as a student, the less student loan debt you’ll ... Read More »

                  5 Steps to Getting a VA Loan

                  get out of debt

                  Millions of veterans and active military members are eligible for what’s arguably the most powerful mortgage option on the market. VA loans feature $ 0 down payment, no mortgage insurance and more flexible and forgiving requirements. To be sure, VA loans aren’t the answer for every veteran. But they continue to make a huge difference, especially for those who might ... Read More »

                    Should I Apply for More Than One Credit Card at the Same Time?

                    get out of debt

                    There are so many credit cards out there — what’s to stop you from trying to get a bunch of them in your wallet? Potentially, nothing. If you have excellent credit, you may qualify for most of those great offers. Even if your credit isn’t stellar, you can still get your hands on credit card applications. Anyone can get credit ... Read More »

                      3 Renter Gotchas

                      get out of debt

                      It’s already hard enough to find an affordable home or apartment to rent (especially if you live in one of these cities). Rental prices are rising fast around the country, even in unexpected places like Kansas City and Portland. But as more people turn to online help to find a decent home, there are more scams and gotchas to worry ... Read More »

                        The Dollar Store Experiment: 10 Products Put to the Test

                        shopping-list

                        CHICAGO — As I write this story, I’m stuffing my face with delicious, inexpensive popcorn I purchased from a dollar store. I don’t usually shop at such stores (in fact, I can’t remember the last time I was in one prior to my trip last week), but as a generally frugal person, I found myself curious about the sort of ... Read More »

                          5 Lessons I Learned from Working Low-Wage Jobs

                          get out of debt

                          It’s been a while since I worked in a job that would be considered “low-wage,” but that doesn’t mean I don’t remember what the low-wage lifestyle was like. Quite the contrary, really. I actually remember exactly what it felt like to be broke until payday, struggling to come up with money for anything extra – like birthdays, clothes, and even ... Read More »

                            5 Common Money Fights Couples Can Avoid

                            get out of debt

                            Relationships almost always come with their fair share of disputes, but fighting about money can be another animal entirely. Managing joint finances is rarely easy, but keeping the lines of communication open can go a long way. Take a look at the most common money fights couples have and consider which strategies can help you avoid repeating the same arguments. ... Read More »

                              The Real Reason Why Bank Fees Keep Going Up

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                              Are you sick of big banks charging never-ending fees? If so, don’t be too mad at the banks, as they might not be the only ones to blame. According to Yahoo Finance, the hike in bank fees is actually an effect from increased bank regulation imposed by the Federal government. Federal Government Regulation Impacts Bank Fees During the 2008-2009 financial ... Read More »

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