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Author Archives: Guest Post

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

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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

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    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

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        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

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          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?

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            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

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              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

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                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

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                  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

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                    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 »

                        4 Creative Uses for a Home Equity Line of Credit

                        heloc

                        Your aspirations of becoming an artist, a small business owner or a start-up maven might quickly sour after you find out how difficult and expensive it can be to obtain funding. What many people don’t consider before dashing their plans, however, is that they might be sitting on a goldmine of an asset — the equity in their own homes. ... Read More »

                          Could I Owe Taxes on College Scholarships?

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                          Paying for college isn’t getting any cheaper, so in order to avoid going into unaffordable education debt, families and students either need to save more money, go to less expensive schools or find someone else to pay for it. There are hundreds of thousands — maybe even millions — of scholarship opportunities out there, but receiving monetary awards can do ... Read More »

                            7 Mistakes to Avoid When Refinancing a Car Loan

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                            At this point, you can either stick it out or take another turn such as refinancing your auto loan to save cash. But be careful what you wish for. Jump into a new loan too hastily, and you’ll end up repeating the same patterns from before — a surefire bad money move. Before going in for a new car loan, learn what ... Read More »

                              28 Savings Hacks for Kohl’s Shoppers

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                              Kohl’s is famous for its steep markdowns and constant sales, but smart and savvy consumers can uncover ways to save even more at this discount store. Between stacking coupons and decoding the price markers, we’ve rounded up 28 of the best tips and tricks to scoring big savings year round at Kohl’s. Related: Top 10 Stores With the Best Return Policies 28 ... Read More »

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