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Student Loan Delinquency Expected to Rise
A number of factors are now combining to create significant stress in the student loan market, driven mostly by growing balances, a tough job market and greater availability of credit to less-qualified...
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Why ‘No Late Fees’ Isn’t an Excuse to Pay Late
When Discover introduced their latest product, the Discover it card, the company highlighted the fact that there was no late fee for cardholders’ first late payment. But savvy cardholders were already...
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NRF Reassures Consumers Over Checkout Fees
There has been considerable consumer angst in the wake of a new rule that allows merchants to charge more to customers who pay with credit cards, but now a major national retail group says that it’s...
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Will These States Lead the Housing Recovery?
We’ve been inundated with news stories about the housing market recovery, along with a few counter-arguments by skeptics who think we still have a long way to go. These analyses tend to focus on...
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FHA Loans to Get More Expensive
Big changes are in store for borrowers with Federal Housing Administration mortgages, as well as those who have been hoping to take advantage of the FHA program’s lower down payment options. FHA...
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Senator Pushes for Simpler, Consistent Home Loan Rules
Federal regulators are now significantly overhauling rules to which mortgage originators and brokers must comply when granting this type of loan to consumers so that they are more affordable, but one...
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7 Signs You’re Living Beyond Your Means
By Stephanie Taylor Christensen Whether you consider yourself to be financially responsible, or you always seem to come up short on cash, there are a few key indicators that may indicate you are...
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Swipe-Fee Settlement Delayed Yet Again
A proposed settlement between a number of retail groups and the world’s two largest processors of debit and credit card payments recently hit another snag as the judge in the case announced that an...
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Owning a Home: Investment or Liability?
We all know that the best way to make money grow is to invest — but the stock market can be a scary, unpredictable beast to those who don’t have experience with it. That’s why many choose to invest in...
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Engaged? 5 Things to Do With Your Money Now
After the calls have been made to relatives giving them the good news, congratulations have been given, and rounds of drinks have been bought, the adrenaline rush of an engagement announcement can wear...
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Who Pays Your Credit Card Debt When You Die?
Paying the debts of a relative who recently died might feel like a moral obligation, but whether it’s a legal one may not immediately be clear. Dealing with a loved one’s credit card debt has a few...
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Form 982: The Way to Battle a 1099-C
If you have received one or more of the estimated 5.5 million 1099-C forms being sent to taxpayers this year, then you may find yourself wrangling with Form 982. That’s the form that taxpayers who...
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CFPB Shifts Focus to Student Money Issues
As part of its ongoing effort to better protect consumers of all ages from potentially unfair or misleading accounts that can land them in money trouble, one federal watchdog is now collecting data...
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How Credit Is a Marathon
In a race, the competitors start at the starting line. They line up and go, and everyone runs along the same course toward the same finish line. But what if the runners didn’t know where the starting...
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Slow Foreclosure Process Still Causing Trouble in Florida
The national housing market has been improving significantly for some time and new data suggests that the number of homes in the foreclosure process is declining as well, but in the state of Florida,...
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The New Pre-Retirement Obstacle: Debt
Today, many Americans are still struggling under the weight of considerable debts for a large number of reasons, and one demographic that might be particularly affected by this trend are those in the...
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New Jersey Moves Forward With Credit Card Surcharge Ban
The recent rule issued by the world’s two largest processors of debit and credit card payments related to how merchants could charge consumers for using the latter type of account has drawn a lot of...
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Colleges Cracking Down on Campus Identity Theft
Millions of people are now being victimized by identity theft every year, and the people behind those crimes can come from anywhere, including college campuses. Incidents of college students ripping...
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A Step-By-Step Guide to Disputing Credit Report Mistakes
The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack. An FTC...
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5 Ways to Prepare for the Coming Cyber War
This spring, the term “cyber war” turns 20. In his seminal 1993 paper “Cyberwar is Coming!” master military strategist John Arquilla envisioned an entirely new kind of battle. That vision was...
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