Wednesday, November 22nd, 2017

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Credit Basics

College student credit basics – understanding credit reports, and how to build credit and manage student credit card debt.

The Importance of Knowing Your Credit Score
Do you know who’s looking at your credit score?
False late reports keep your FICO score down.
Stop wasting time, find out the facts. It’s worth the time.
Go get a Free Credit Report.

Bank of America Customers Beware: Your Credit Card Penalty Rates Could Soar

If you’re a Bank of America customer, your dander will definitely rise within seconds. The North Carolina-based bank said it could begin charging customers who miss a payment on their credit cards a higher penalty interest rate on future purchases, according to a recently published report. The Wall Street Journal reports that Bank of America […]

Experts Advise How to Make Instant Improvements to Your Credit Score

Having a good credit score is incredibly important, especially if you’re looking to borrow money for a car loan or mortgage, among other things. During the recession, the credit scores of many Americans were hurt by their failure to pay the principal on loans they had. As the economy recovers and consumer spending improves, there […]

Choosing the Best Checking Account: Which Bank and Account are Right for You?

Choosing the right checking account is like selecting a wedding gift for your best friend; the number of choices can be overwhelming. Sometimes the differences between accounts are subtle, other times accounts vary in more noticeable ways that impact your time and finances. There are financial institutions in your hometown where you and your family […]

Your Credit Score: Why it Matters

Imagine that you’re a loan officer at the local bank. Two customers, Mr. Rich and Mr. Buck, come in to borrow money. You check Mr. Rich’s history; he has an excellent credit score, 800. Mr. Buck’s score is an embarrassingly low 300. To whom should you lend money? Mr. Buck’s low credit score indicates that […]

Rent or Own? Things to Consider Before Buying

Many young people will probably opt to rent for a while before jumping into home ownership. And before they buy their first place, there are number of things they should probably consider. According to the American Bankers Association, one of the first concerns should be whether a person can even afford the payments associated with […]

Avoid Scams & So-Called Expert Advice

The Nigerian email scam and others

Five Things to Give Thanks For During a Recession

It’s hard to feel thankful when you’re flat broke and unemployed.

Tax Brackets & Minimizing Tax Liability

Which tax bracket are you in?

Tax Forms & Deductions, Deferrals, Credits

Filling out a basic tax form & the difference between deductions, deferrals, and credits.

Too Big to Fail

Should Washington pump money into broken banks?