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Personal Finance Blog

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It’s not uncommon to receive a phone call or notice in the mail from a collection agency looking for payments. When a debt collector contacts you about an unpaid debt, your first order of business should be to obtain a debt validation (DV) letter. Under the Fair Debt Collection Practices Act (FDCPA), collection agencies are…

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In the midst of the global financial crisis, Americans cited credit and debit card fraud as their number one fear, surpassing that of terrorism, computer and health viruses and personal safety.[1] For many Americans, this fear is not unwarranted. Each year, credit card fraud costs cardholders and issuers alike hundreds of millions, if not billions,…

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I wish I had learned about the power of compounding a long time ago. As a kid I walked dogs in the neighborhood, earning $5 a week. If I’d started investing that weekly $5 from age nine until 65, it would have grown to $254,000, assuming an 8 percent return. Unfortunately, I didn’t catch compounding…

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We’ve recommended that students get credit early and use it wisely to establish a healthy credit record.

Unfortunately, that’s easier said than done. There’s a reason laws like the Credit CARD Act of 2009 get passed: students averaged over $3500 in credit card debt, with 85% of cardholders carrying a balance from month to month and paying hefty fees and interest.

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