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Survive the ‘Credit Card Crisis’

Consumers are feeling the pinch of a credit card crisis as card issuers raise rates and restrict credit, reports the New York Times. It’s no news to me. Even readers with excellent credit are telling me Bank of America is raising APRs and American E … [Read more...]

What Kind of Credit Do You Need to Get a Credit Card Today?

In today's article Survive the Credit Card Crisis I talk about how credit card companies are approving fewer and fewer credit card applications. It is still possible, however, for consumers with decent credit to get new credit cards with good … [Read more...]

What Would You Do With $100,000?

As far as potential windfalls are concerned, a hundred grand is an interesting amount of money. It's a tidy sum for anyone to be sure, but it's hardly what Powerball jackpots and overnight retirements are made of. So, I want to know, what would you … [Read more...]

Would You Buy a New Car to Get Better Gas Mileage?

Even as the price of gas keeps dropping, fuel economy is still on a lot of people’s minds, and it’s certainly a selling point for auto manufacturers. Is it something you’re thinking about? … [Read more...]

Peer-to-Peer Lending Hits a Roadblock

Update: Since writing this post, both LendingClub and Prosper are registered with the SEC and running fully for both borrowers and lenders. Two years ago I wrote several articles about peer-to-peer lender Prosper and the debt consolidation loan I … [Read more...]

Do You Believe Work Clothes are an Investment?

News surfaced last week about Republican donors spending over $100,000 in less than a month on vice presidential candidate Sarah Palin’s wardrobe. Now I think most prudent folks would balk at anybody dropping tens of thousands at Neiman Marcus, but I … [Read more...]

Quarterly Estimated Tax Payments: Who Needs to Pay Them, When, and Why

Finding out you owe federal income taxes at filing time is no fun, but did you know that the IRS can charge you interest and penalties if you don’t properly estimate (and pay) your taxes on at least a quarterly basis? If you’re self-employed or earn a … [Read more...]

How to Save Money on Your Next Apartment

One of the ways I was able to pay off $80,000 of debt in just a few years was by cutting back on the biggest expenses in my life---including my rent. I didn't move back in with mom and dad, but I did swap living in a $1,000 a month apartment on my … [Read more...]

Will You Be Laid Off? Spot the Warning Signs

Fortunately, twentysomethings are not usually the first employees to be laid off when an economic downturn forces employers to cut staff. After all, relative to more experienced employees, we’re cheap. But we’re not immune from being laid off and, in … [Read more...]

Should You Cash Out Your 401(k) When Leaving a Job?

Did you know that 45% of Americans cash out their 401(k) retirement accounts when they leave their employers? Do you know that when you cash out your account before the age of 59 ½ that your withdrawal is not only taxed like regular income but also … [Read more...]