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Author Archives: Guest Post

Should I Get a Loan for a Used Car?

get out of debt

One of the many decisions consumers must make when buying a car is whether to get a new vehicle or a used one. Even though a used car is generally cheaper than a new one, it makes the car-buying process much more complicated, especially if you need to finance it. Some people argue that taking out a loan for a ... Read More »

    4 Best Credit Cards for Military Service Members

    military_credit_card

    The brave men and women in the U.S. military often have to make big sacrifices during their service. But they can also enjoy some benefits that most civilians don’t get, such as pensions after 20 years of service, excellent health care and access to several different credit cards with perks. The small number of banks and credit unions that cater ... Read More »

      3 Ways to Increase Your Chance of Receiving a College Scholarship

      get out of debt

      The cost of attending college increases every year, and that probably isn’t going to change anytime soon. The best way for students to reduce what they’ll be spending is to apply for college scholarships. Everyone knows that good grades and test scores will help, but there are a few other ways to increase the chances of receiving free financial aid. ... Read More »

        10 Things Everyone Should Know About Credit Scores

        christine-credit

        The last time I got up in front of a group to talk about my job, no one had questions for me. It was a high school career day a few weeks ago, and the students stared at me blankly as I dropped words like “personal finance,” “credit scores” and “debt.” I could tell they thought my work wasn’t exciting, ... Read More »

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

          handing_over_money

          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

            shutterstock_16154464

            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?

              tax_audit_questions1

              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

                mortgage_rates

                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

                    Millennial-Entrepreneurship-Dream-e1426726544434

                    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?

                      build-a-home

                      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

                          real_estate_investor

                          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 »

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