Can I Deal With a Debt Collector Over Email?

Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses … Read more

How We Started a Business in Our 70s

Husband and wife team Rick and Jari Searns, of Williamsville, N.Y., have been entrepreneurs for almost their entire working lives — roughly 45 years. They have successfully launched and sold three staffing companies, one of which was an Inc. 500 company, and co-founded and currently own two marketing companies. They founded RestMark in 2013, spent … Read more

Why Student Borrowers Deserve the Same Tax Break As Homeowners

At a time when bipartisanship seems quaint, Senators Dean Heller (R-Nev.) and Debbie Stabenow (D-Mich.) appear to have set aside their ideological differences long enough to collaborate on legislation that would extend the Mortgage Forgiveness Debt Relief Act. Soon after the housing market collapsed, lenders reluctantly began modifying mortgages by abating interest and forgiving loan … Read more

A Simple Chart That Explains Why College Tuition Is Going Up

Americans of all ages grapple with the cost of higher education, whether it’s trying to save for the future, choosing a college or repaying student loan debt. Tuition and fees at U.S. colleges has increased an average of 5% every year for the last decade, and the $ 1.2 trillion in outstanding student loan debt … Read more

Debt Collector ‘Boiler Rooms’ Threatened Arrest, FTC Says

The voicemail would be enough to give anyone chills. “Hello, this is Detective Jeff Ramsey. I am attempting to touch bases with (you)… I will be back out to your place of residence … between the hours of 4 and 6 p.m. You are to have two forms of identification, no firearms or narcotics or loose … Read more

What’s America’s Favorite Insurance Company?

Insurance providers often interact with consumers while they’re dealing with high-stress situations — recovering from accidents, natural disasters or other significant losses — so making those encounters positive experiences can be a challenge. USAA excels in this area, according to the recently released 2015 Temkin Experience Ratings. The ratings, from consumer research and experience firm … Read more

Why I Keep a Burner Email Account

When the news hit that Hillary Clinton had a private email account that she used in her duties as Secretary of State, I thought, “Doesn’t everyone?” Maybe that’s my default reaction as a millennial who has picked up and dropped about 10 email addresses over the past decade or so. But it’s also because the … Read more

5 Ways to Help Your Parents Retire

When we were young, most of us depended on our parents. They provided the emotional — and financial — support needed to grow. And though it seemed the day would never come, eventually it’s often time for a bit of role reversal. Just as your parents provided what they could to help you achieve the life you want, you find … Read more

Can Living Near a Starbucks Boost Your Home’s Value?

The next time you’re looking for a home, consider scanning the neighborhood for a Starbucks location. While you’re at it, look around at the local business scene and look into public transportation options nearby — these things may have a significant impact on your future property value. Real estate site Zillow analyzed the relationship between … Read more

6 Ways Chasing Credit Card Rewards Can Backfire

There is a lot to like about credit card rewards. Cardholders can earn valuable points, miles and cash back just for spending money on things that they would normally buy. But at the same time, the temptation of rewards can lead cardholders to make unwise decisions that will ultimately cost them more money than any rewards … Read more

You Can Refinance Your Car Loan to Save Money Each Month

If investing 15 minutes would save you $50 a month for the next three years, would you do it? That seems like a no-brainer, but you’d be surprised how many people are passing up a similar deal. That would be a total savings of $1,800 or, put another way, that 15 minutes would be an opportunity … Read more