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Author Archives: Research Department

Help! Credit Card Rewards Put Me Over the IRA Contribution Limit

retirement

What could be more painless than saving for retirement by having cash-back rewards automatically swept into your account? A card linked to your Roth IRA could automatically get a boost from rewards, and you would never miss the money. Except that the last part of “set it and forget it” can come back to haunt you at tax time. What ... Read More »

    3 Credit Card Math Mistakes That Are Costing You Money

    Credit cards

    Twenty years ago when Michael Riley first released his Credit Card Math tutorial, most people had no clue how interest on credit cards work. In fact, his revelations about how credit card interest and payment methods worked were considered so shocking that they ended up being featured in a national news program’s investigative report. Fast forward to today, and a ... Read More »

      4 Reasons a Great Credit Score Won’t Solve All Your Problems

      "Credit rating" handwritten with white chalk on a blackboard

      More often than not I see clients who tell me they have good credit, yet are still struggling to pay their bills. Having a good credit score is great, but that alone does not necessarily mean you are good with managing your finances or that you’re not in debt. Let’s say you have a great credit score but you have ... Read More »

        Scammers Banned from Telemarketing, Selling Weight-Loss Products

        ftc

        Refused to Return Money to Spanish-speaking Consumers for Wrong or Defective Products The defendants in a scheme that charged Spanish-speaking consumers for unordered or defective products and made it costly or practically impossible for them to get their money back are banned from telemarketing and selling weight-loss products under a settlement with the Federal Trade Commission. “The FTC is on ... Read More »

          First Time Homebuyer Tips From American Consumer Credit Counseling

          mobile home

          Boston, MA (PRWEB) March 02, 2015 Purchasing a home is one of the most important and exciting life investments for an individual to make. In the wake of an economic recession, Americans are even more wary of becoming a first time homeowner. Although taking the plunge can be difficult, American Consumer Credit Counseling has these five tips to help first ... Read More »

            National Debt Relief Talks About Repairing A Credit Score

            credit good

            National Debt Relief recently shared in an article published February 19, 2015 how consumers can repair their credit scores rather easily. The article takes a look at the number of ways people can repair their credit scores with ease. Phoenix, AZ (PRWEB) March 03, 2015 National Debt Relief recently shared in an article published February 19, 2015 how consumers can ... Read More »

              National Debt Relief Explains The Two Types Of Reserve Funds

              casual woman saving money

              National Debt Relief recently shared in an article published February 19, 2015 the two main types of a reserve fund. The article talks about how an emergency fund and a rainy day fund has the same financial objective but differs in a lot of ways. Philadelphia, PA (PRWEB) March 02, 2015 National Debt Relief recently shared in an article published ... Read More »

                Dental Practice Owner Charged with Health Care Fraud and Identity Theft

                teeth

                ALEXANDRIA, VA—Nazanien Ebrahimi, a/k/a “Nancy” Ebrahimi, 32, of Fairfax County, Virginia, was indicted by a federal grand jury on February 26, 2015, on charges of wire fraud, health care fraud, aggravated identity theft, and making false statements relating to health care matters. Dana J. Boente, U.S. Attorney for the Eastern District of Virginia; and Andrew G. McCabe, Assistant Director in ... Read More »

                  Buying a Home? Be Ready for These Closing Costs

                  Photo Credit : Idiolector

                  For most of us, there’s no bigger purchase than buying a home. And with big purchases, even minor fees can carry a big price tag. Before signing the paperwork and taking on a mortgage, it’s a good idea to get educated about the process. Many people either don’t know or forget to factor in the closing costs they will pay. ... Read More »

                    4 Big Refinancing Questions Answered

                    201502_cfpb_reverse-mortgage

                    You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be sure you understand what exactly ... Read More »

                      4 Reasons You Could Be Denied a Mortgage

                      Real Estate Concept

                      So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can help you determine if you ... Read More »

                        How Avoiding Bankruptcy Can Backfire

                        FRBNY-1

                        In the world of personal finance, credit concerns and debt issues, there is no single issue that is more misunderstood than bankruptcy. Recently the Federal Reserve Bank of New York came out with an exceptional report on the bankruptcy reform of 2005 — which made it tougher for people to file bankruptcy, and was the last time bankruptcy law was ... Read More »

                          If You Think Money Buys Happiness, Watch This (VIDEO)

                          Happy people celebrating with money raining

                          “Winning the lottery changed our lives for the worse,” says Jodie, whose husband, Edwin, hit a $ 25 million jackpot when he and 14 co-workers bought tickets in a pool. Since Edwin got his after-tax share of the winnings, Jodie says he’s acted like it’s only his money, and that their marriage has gone downhill fast with divorce threatened numerous ... Read More »

                            5 Student Loan Terms Every Borrower Should Know

                            Money and book

                            If you have student loan debt, you’ve probably noticed that your loans have a language all their own – and the last thing you want to do is spend your free time learning it. The good news is that you don’t need to be fluent in loan lingo in order to navigate the world of education debt – but familiarizing yourself with ... Read More »

                              Estate Planning for Blended Families

                              Credit Card Financial Relief Planed Flag

                              You have arrived at your second marriage a little bit older and (hopefully) a little bit wiser. Second marriages and blended families present their own issues when it comes to estate planning. You would like to take care of your spouse and your children, but letting them work it out after you are gone is a recipe for disaster. Once ... Read More »

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