Older couple sitting with papers and considering bankruptcy

    Retirees and Bankruptcy

    People are supposed to relax when they retire, not worry about financial problems. Studies show that a lot of retirees turn to alcohol for debt relief, but there is a better way than booze:  Bankruptcy.The mere word makes a lot of people cringe, ...

    Credit report next to a laptop to freeze credit checks

    New Law Allows Credit Freeze

    Security breaches have become so commonplace in the United States that news around them barely causes a ripple these days.Even if it’s news that provides consumers an extra layer of protection and won’t cost them a dime.The Economic Growth, ...

    HELOC on laptop screen

    HELOCs on the Rise: Why You Should Be Careful

    Across America, home values are on the rise again, surging with the economy. With that surge, homeowners eager to scratch a pent-up-demand itch once again are taking out HELOCs, or home equity lines of credit.Yes, at last, houses that spent much of the ...

    People sitting at computers and tablets looking up personal loans to submit an application

    Personal Loans on the Rise

    The loan business is getting personal.We’re talking personal loans, and they are exactly what they sound like. You borrow money from a lending institution and pay it back.The big difference from mortgages or car loans is that you don’t need ...

    Women with bad credit going to nonbank to borrow money

    Nonbanks Fill Demand from Borrowers with Poor Credit

    The era when almost anyone with a pulse could get a loan or mortgage from a commercial bank ended with the financial meltdown of 2008. Today, tightened regulations and a reluctance among large lenders to deal with risky customers has shifted borrowing to ...

    Caution on Student Loan Forgiveness Programs

    Confusion Clouds Future of Student Loan Forgiveness Programs

    Here’s a warning for anyone who must borrow money for college. There’s an assault under way on the most cost-effective and popular student-loan repayment programs.Lines are being drawn and people are choosing sides. The ability for borrowers to ...

    Warning Card Interest Rates Up

    Interest Rates Increasing on Credit Cards

    American consumers owe a record $1.023-trillion in revolving credit - mostly through credit-card debt - and with interest rates expected to rise in 2018, financial experts predict the problem will escalate unless consumers take a more aggressive approach in ...

    Bag of Payday Loan Money Exchanging Hands

    Payday Loan Alternative a Good (Or Risky) Thing?

    If you’re one of the millions of Americans for whom payday can’t come soon enough, technology is catching up with your dreams.Uber, McDonald’s and Outback Steakhouse are among a growing number of employers that are offering workers an on-demand ...

    Tablet Screen with Tax Refund displayed on it

    Practical Suggestion for Tax Refund: Pay off Credit Card Debt!

    Most Americans will face a nice little dilemma in 2018. Thanks to tax cuts, we are going to take home more of our paycheck.But what should we do with that extra cash?If you use credit cards, finding the answer is a lot easier than executing it, so ...

    Equifax Data Breach Lady in front of computer screen

    What To Do About Equifax Data Breach?

    The recent data breach at Equifax, one of the three major credit reporting bureaus, has created an uncomfortable situation for the more than 145 million American consumers whose personal information has been exposed.What do I do to limit damage from the ...

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