What do you do with debts that have unfavorable interest rates or difficult payment terms? If you can, consolidate them into one debt stream with more favorable terms
But don't fall for "shiny objects." It's all about execution
According to the latest Household Debt and Credit Report from the New York Federal Reserve, America's total household debt has surpassed $13.5 trillion. Do you sometimes feel like $13 trillion of that debt is yours?
Here is a reminder of changes affecting your tax returns for the 2018 tax year
Your Christmas gift from the Federal Reserve is here. Surprise! It's another 0.25% hike in the Federal Funds rate
With each new day of the government shutdown, hundreds of additional small business owners are left without a crucial source of capital
Multiple employment plans allow businesses in completely unrelated industries to pool their resources under the same retirement plan umbrella
Rewards cards can provide great benefits – but they can also tempt you to overspend. When that happens, you're more likely to carry a balance and wipe out your rewards with interest charges
Times aren't great in the mortgage refinancing market
You've just become eligible for Social Security benefits. Are you going to apply for them now, wait until your full retirement age, or delay benefits as long as you possibly can?
Take a deep breath and start your path to redemption using these five tips
Do you see opportunities that everyone else has missed?
Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there?
America has been enjoying historically low interest rates for years – but those days are coming to an end
In 2019, changes to Medicare may improve the healthcare options and flexibility for beneficiaries
Alexa von Tobel sold her company, LearnVest, to Northwestern Mutual. Here's what she learned in the process.
Your smartphone may substitute for your bank card. However, that adds another avenue for fraudsters to trick you out of personal information and drain your bank account
As many as half a billion customers may be affected, making the Marriott hack the second largest ever in terms of exposed records
You've overspent during past holiday seasons, but you're determined not to let it happen this year. What's your plan to prevent painful post-holiday bills?
If you are just starting out on your own and have no job yet, or you're down on your luck and currently unemployed, will you be able to qualify for a credit card? The answer is yes, within limitations
Do you have a rewards credit card? If not, now is the perfect time to consider one
You're determined to make 2019 the year you raise your credit score. Why not get off to a good start with these five New Year's resolutions to send your credit score in the right direction?
What can disabled persons do about telephone calls and letters from collectors? What happens if you are sued?
Find out how you can protect your financial interests
What happens to your financial accounts when you pass away? They will be passed along to the beneficiary or beneficiaries designated for that account – but what happens when your beneficiaries are out-of-date?
Are we going about it all wrong?
There are two primary reasons America isn't using the EMV technology to its full potential, and the technology doesn't address all forms of fraud
How would you finance a home improvement project? If it's beyond what you can pay for in cash, you might consider using a credit card instead of a home equity loan or line of credit
Since student debt draws money away from other savings and investment opportunities, the long-term effect on net worth can be devastating
Your checking account is a tempting target for thieves. You must stay alert for the many varieties of checking account scams – but first, you must be able to recognize a scam when you see one
The housing market has suffered from excess demand and limited supply for years, causing a sharp increase in home prices, but the turning point may have arrived
Identity thieves love to steal children's identities, and you need to take the right steps to help prevent it
Do you monitor your Social Security number for any signs of fraudulent use? A new survey suggests you think that you should, but you probably don't.
You probably know that you can place a fraud alert on your credit reports – but did you know there are three different types of fraud alerts that you can apply?
You didn't know? You're not alone
According to a new study, knowledge of your credit score does give you the power to manage credit responsibly
Do you have a loan payment that is squeezing your monthly budget a bit tighter than you'd planned?
It's smart to get the most out of your credit cards, but do so within a budget and with one thought in mind "Is a credit card the best way to pay for this item?"
Consider these alternatives to a reverse mortgage before you commit
It is prudent to have insurance, but it is also smart to have the right amount of insurance for your needs
The biggest benefit of having a credit card may also be a big drawback
Finding a job can be a stressful and difficult task – and if you have poor credit, you may have an even harder time finding a job
According to 2017 data from the credit bureau Experian, unpaid medical debt in America topped $127 billion\
Do you use your credit card for most purchases? Are there times you prefer paying with your debit card? Perhaps you still use those funny green paper rectangles with numbers on them?
Is a home purchase on your to-do list over the next two years? You'll have plenty of competition finding your new home, according to a new survey
According to a new study from Visa, EMV cards have lived up to their promise
Identity thieves have many other ways to cash in on your personal information
You could be wasting significant money on your energy bills that you could change into savings with a few minutes of attention
How do you keep from passing bad financial habits on to your children?
Whether it's your first year of independence or not, college tuition is a major added expense. This makes managing your finances well while you pursue higher education extremely important.
Many people never check their credit reports and find out at the worst possible time that they contain errors – for example, when they are applying for a mortgage
Why are we less concerned about identity theft than we have been in the past?
When you're tempted to accept a store card offer, think of two things how you would use the card in the future and how opening the account will affect your credit score
Miss a credit card payment, and you'll suffer the consequences
America's outstanding revolving debt – mostly credit card debt – was closing in on $1.04 trillion as of June 2018. How will we pay all that money back?
At least part of the millennial generation has other debt concerns
If you're looking to cut your spending, we've got you covered with this list of tips to slash some of the major auto costs and keep more money in your pocket
Data is a hot commodity, and companies are willing to pay top dollar for it
Home buying can be a prolonged and confusing process but you can reduce the stress with research and realistic expectations at every step
A study by the Brookings Institution suggests that approximately 40% of Americans won't be able to pay off their loans and will end up in default by 2023
Is there a limit to America's appetite for debt? At least one indicator suggests that the answer is no
You may be mentally and physically ready to retire, but are you financially ready to retire?
If you do not track your spending, you cannot distinguish between gremlins and your own spending habits or any other reason for your dwindling bank account, including fraud
With a small change in financial habits, more millennials could significantly shift their risk perception with lenders allowing them to qualify for mortgage loans
Have you checked your credit report lately? If not, what's keeping you from doing so?
It's important to avoid unnecessary fees that take a bite out of your nest egg without providing value in return
Have you spent too much on vacations, dining out, or entertainment this summer? Follow these seven simple steps to get your finances back on track and pay down your debt faster
Did you miss the April 17 tax deadline for 2018? If so, you probably filed for and received a six-month extension from the IRS. Don't relax too much, because October will be here before you know it
A lower score means greater risk, and lenders will charge you a higher interest rate because of that difference
How many times have you tossed notices from your credit card issuer without reading them? The best answer is "never." You could be discarding a credit card interest rate increase notice
How would you like to retire early? Millennials identified the perfect retirement age as 61
Have you ever lied for financial gain? The odds are strong that you've done it at least once, and a new survey says you're among company
So, you are in the market for a new vehicle, huh? You've got some important decisions to make. But perhaps your most important decision, at least from a financial standpoint, is how you will pay for the vehicle
Are you having trouble getting a home loan because you have no suitable credit history? That may soon change
Have you been denied a mortgage loan recently? Rejections usually don't come down to a single reason, because lenders look at your overall financial status. However, some factors increase your risk of rejection...
Is a bad credit score dragging you down? Almost half of millennials feel that way, according to a new survey
Are you familiar with the 4% rule and how it relates to retirement? Let's find out.
The term "administrative offset" brings to mind meaningless governmental jargon. It is governmental jargon – but if you are affected, it's not meaningless at all
While technology provides a safety net of sorts, consumers still need to be proactive about managing their transactions and statements
Just like assets can be sold, so can debts. But things relating to the servicing of your loan such as due dates and payment arrangements may change
Don't let a Social Security number slip through the cracks
You want to know exactly what you are getting when you make any large purchase, especially when you are buying a home. That's why a real estate disclosure statement is a fundamental part of any real estate transaction.
You probably comparison-shop for most of your purchases, especially the high-dollar ones. Consider doing the same when it comes to your mortgage.
When your credit score is down, it takes great effort to rebuild it
Perhaps millennials are expecting too much out of homeownership, ignoring the old axiom "The secret to happiness is low expectations."
If you don't use your card wisely, it's easy to get into unpleasant credit situations that can have long-lasting effects
If you are one of the fortunate few who have a defined benefit retirement plan, you have more predictability in your retirement income than most
The relationship is almost zero between mortgage rates and home sales
What does your dream home look like, and how much does it cost? Whether it's a cottage on a secluded beach, a stately mansion on a hill, or something in-between, your dream home probably won't come cheap
You're in a cash-flow crunch again. What do you do?
Is your credit card information floating around the dark web, waiting to be sold to an enterprising criminal?
You're responsible for your own taxes and will be facing new taxes and rules on your retirement income sources like these
Identity thieves can potentially redirect your mail by filling out a change of address form in your name
Do you have enough cash to handle an unexpected emergency expense? According to a new survey, a significant number of Americans don't have an emergency savings fund and don't see the lack of one as a problem.