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Author Archives: Guest Post

How Tax Scam Victims Can Clear Their Name With The IRS

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Tax season is one of the busiest seasons for fraudsters and criminals who prey on the public’s desire to remain in good standing with the Internal Revenue Service (IRS). Despite the efforts being made by both the IRS and savvy taxpayers, tax scams will still occur. So, victims must take a proactive role in clearing their names. If you become the ... Read More »

    Is an SAT Prep Course Worth the Cost?

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    Only one thing was stopping Justis Slattery from playing soccer in college: his SAT scores. He found a school he wanted to attend, and soccer coach he really wanted to play for, says his mother, Stacy. He earned a coveted spot on the team, and an admissions counselor told him he shouldn’t have any problem getting in. But then he learned ... Read More »

      5 Things We Can Do Now to Solve the Student Loan Problem

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      The U.S. Department of Education recently unveiled a new and improved methodology for calculating student-loan payment delinquencies. Where it once figured the late-payment rate of student loans as a whole to be 17%, the department has now determined that when the same data is expressed in terms of individual borrowers, it’s as high as 38%. However, the new calculations don’t ... Read More »

        Is Your Tax Refund Too Big?

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        Taxpayers getting back money from the government this year have received an average refund of $ 2,893 so far, according to March 26 data from the Internal Revenue Service. That’s a nice bump up in cash flow, and a lot of people look forward to it as a chance to splurge, pay down debt or add to their savings. But those people ... Read More »

          How Long Will $1 Million Last You?

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          Can money buy happiness? Last year, both Forbes magazine The Wall Street Journal researched this question. Their conclusions were, well, inconclusive. “Well, maybe,” Forbes said. “It’s true to some extent,” the Journal said. Here’s the problem: How much money do you need to be happy? To be more specific, how much do you need to stop working? Earlier this year, ... Read More »

            The ‘Free’ Federal Grant Scam Is Back

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            The Better Business Bureau has posted a warning to consumers about a free-grant scam that could cost victims the contents of their entire bank accounts. It starts with a message — phone, email, social media, anything — saying the government is offering free grant money, and your application is guaranteed to be accepted. They’re pitching a desirable idea: free money ... Read More »

              2 Strategies for Buying a Home When You’re in Debt

              Spring is here already. Are you lining up your finances for a home purchase this year? And are you not sure whether to put more money toward paying off other debts or your upcoming down payment? Here’s how to figure out the best strategy to improve your figures. Here are some key questions to ask yourself: How much house payment ... Read More »

                Broke With Privilege

                Broke-with-Privilege

                My mother grew up in poverty, raised by a single-mother in a non-English speaking household in New York City. Without the slightest hint of today’s buzzword – “privilege”- in her upbringing, she worked and earned herself a scholarship to Barnard College and later, Columbia Business School, paving the way for her unprecedented career successes. I, on the other hand, grew ... Read More »

                  How to Get a Tax Extension

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                  The tax-filing deadline is a less than two weeks away, meaning there isn’t much time left for most to file. However, those who can’t file by April 15 are in luck — there is a way to put off filing your taxes. A tax extension is a common form filed when people need a little more time to get their information ... Read More »

                    The Game of Thrones-Inspired Malware That Will Massacre Your Bank Account

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                    A cyber gang specializing in ripping off online banking accounts has been successfully executing a multistep campaign to pull off six- and seven-figure heists from the accounts of small- and mid-size businesses, as well as large enterprises. This intel comes from IBM Security in a report disclosing details of a gang using the Dyre family of malware, which has been ... Read More »

                      How Long Can Student Loans Hurt Your Credit?

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                      We get questions and comments from distressed student borrowers wondering exactly how long missteps in repaying their student loans are likely to continue to hurt their credit. It can feel like student loans cast a very long shadow that is hard to escape. How long student loan problems can affect your credit isn’t always clear, because they don’t all work ... Read More »

                        8 Luxury Cars You Can Buy for Under $20K

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                        Fancy cars generally come with hefty price tags, but that doesn’t necessarily mean luxury is beyond your reach. With a little bit of patience and strategy, you might be able to buy a luxury vehicle for thousands of dollars off the sticker price. The National Automobile Dealers Association compiled a list of eight luxury vehicles that could be bought for ... Read More »

                          How Much Is Too Much to Spend on a Car?

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                          Everyone overspends from time to time, but when it comes to big purchases, like a home or vehicle, something that seems like an exciting splurge could end up devastating your finances. The question of, “How much is too much?” is quite personal. To say that you should only spend a certain percentage of your income on a car doesn’t take ... Read More »

                            Are My Retirement Funds Safe From Creditors?

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                            Q. I understand that in certain circumstances IRA and 401(k) money may be protected from a lawsuit. However, if a person is retired and has rolled over their ERISA plan to an account with a financial institution, are those funds still protected? A. Generally speaking, yes. The laws can vary by state. “Under federal law, pension plans such as a ... Read More »

                              The 2 Words Debt Collectors Don’t Want to Hear

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                              While much of the debt collection world is straightforward and, quite honestly, a little boring, some people in the industry treat it like a free-for-all. “There are widespread attempts to add charges to debts that aren’t legal. Excess interest is something we’ve encountered quite frequently,” said Daniel Edelman, consumer law attorney, founder and partner at Edelman, Combs, Latturner, & Goodwin ... Read More »

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