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Credit Unions: Non-Profits Offer a Great Alternative to Banks

Credit unions are a great alternative to banks, and I have neglected them in my writing here (despite the fact I am a satisfied credit union customer). And, in today’s economic situation, credit unions are looking even more attractive.

Q&A: I Have Tons of Debt and Virtually No Income. What Are My Options?

Jessica writes: I’m a 23-year old undergraduate student with tons of debt that is all in collections. I only make $50 a month plus room and board as a residential assistant. I feel overwhelmed because I just can’t do anything about it right now. Do I have any options?

The Absolute Best Way to Motivate Yourself to Save Money

It’s so easy, I can’t believe I didn’t know about it sooner. Scratch that, I have read it a million times. I can’t believe that I didn’t do it sooner! Because this motivational technique really works. Whether you are trying to save money, pay down debt, or even lose weight, stick to this one tip, […]

Financial Products You (Probably) Don’t Need

My twenty something friends sometimes ask me whether they should hire a financial advisor. Usually, they have just read an article or heard a high-pressure marketing spiel. The fact is, unless you have over $100,000 in investments, you don’t need a financial advisor or planner. Here are five financial services you probably won’t need before […]

Despite Fed Decision, Banks Are Moving Interest Rates

I find it interesting that even though the Federal Reserve opted not to lower interest rates this week, some banks are adjusting their interest rates anyway. HSBC Direct lowered its online savings rate from 3.50% to 3.25%, giving competitor FNBO an upper hand in the battle for top high yield savings account (FNBO’s rate is […]

Q&A: Can I Avoid Falsifying My Income on a Credit Application When I’m Temporarily Unemployed?

Brittany writes: I am an ’07 grad with a great credit history. I have a $4,900 credit card balance on a 9.99% APR card. I am considering transferring the balance to a new credit card which offers 0% for 12 months and a low fixed regular APR. My problem is that credit card applications ask […]

Q&A: What Kind Of Credit Score Do I Need To Get Approved For A Balance Transfer Credit Card?

Pam asks: Three years ago I racked up debts on several credit cards. I paid those cards off and closed them. Today, my only card has a 19 percent APR and no rewards. My credit score is only about 600 because I was (quite) late a few times. Today, I am debt free except for […]

Make Healthy Fast Food Choices for Less than $5

When given the choice, cooking meals yourself will always be healthier and less expensive than eating fast food burgers. But oh, how tasty—and cheap—those burgers are. So if you must drive through for dinner, here are five fast tips for saving money and eating better at the same time. Plus, get four fast food meal […]

His Credit’s Good, Hers is Bad: Can You Get a Mortgage Anyway?

Ready to buy a home with the one you love? Got good credit? What about your sweetheart? If not, getting a mortgage may be difficult, not to mention a strain on your relationship. First, you must understand how mortgage lenders view joint mortgage applications (whether you’re married or not). Then, take these steps to improve […]

How To Start A Business From Your Dorm (Or Living) Room


The benefits of starting your own business in college are endless. You can earn some money to help pay for school while getting business experience and contacts that will help you land your dream job. Or better yet, your business becomes so successful that you don’t even need a job when you graduate.