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Consumers increase use of credit cards in March Published: Tue, May 8, 2012 Americans swiped their credit cards more in March and took out more loans to attend school. Read More
Will my children own my debt? Published: Tue, Nov 8, 2011 DEAR BRUCE: I am 81 and have foolishly let my credit cards get to a total of $35,000. About five years ago, I did a reverse mortgage on my house. The interest now has brought it up to more than what the house is worth. I had planned to use the money to remodel my bathroom, which I did, and I took a couple of trips.... Read More
Recent grads must face up to student loan debt Published: Tue, Nov 1, 2011 With student loan debt making headlines, this is a reminder to spring graduates that you must start dealing with your debt before the six-month grace period runs out. Here's the universal question: If I graduated this past spring, what should I be doing about my student loans — especially if I have no job?... Read More
Pay off card with highest rate ASAP Published: Tue, Oct 18, 2011 DEAR BRUCE: I am finally able to work aggressively toward paying off $60,000 in credit card debt, the unfortunate result of job loss and legal fees. Each month I pay more than the minimum payment on each card, but I'm wondering whether I should make minimum payments on two of the cards and concentrate on putting the... Read More
Tap IRA funds to pay off credit card debt Published: Mon, Jul 25, 2011 DEAR BRUCE: My husband and I have an IRA for $50,000 and have $10,000 in credit card debt. We are both retired, and our home and cars are paid off. Due to these income limitations, we are able to make only minimal payments, sometimes a little extra each month, trying to retire this debt, but it seems insurmountable.... Read More
Tips for effectively managing your debt crisis Updated: Wed, Jul 6, 2011 Q: Because I was out of work for nearly a year, I have so much credit card debt that I can never repay it. What's better — credit counseling, debt negotiation or bankruptcy? A: It's important to know the difference between these alternatives and choose the one that best solves your problem and has the least... Read More
Home Equity Loans: Not What You Think Updated: Fri, Mar 18, 2011 Thinking of dipping into your home's equity? There are a few things you should know. —Equity is a concept, not a savings account. Equity, the difference between what you owe on your home and the amount you could sell it for now, is a number. It is a theory; it is not cash in a savings account. Equity does not... Read More
Knowing financial personality can help nest egg grow Updated: Thu, Mar 17, 2011 “Reclaiming the Future: Challenging Retirement Income Perceptions” found that although 61 percent of these people fear outliving their money in retirement more than death, nearly one third (31 percent) say they are not too clear about what their expenses will be in retirement, and 36 percent have no idea if... Read More
4 Ways To Watch Out for Scam Artists Published: Thu, Oct 21, 2010 As we begin to see some glimmer of recovery from the longest and deepest U.S. recession in more than 70 years, here come the scam artists in full force, posing as sure signs of help and support. Read More
The perils of credit cards Updated: Wed, Oct 20, 2010 With the protections of the Credit Card Act of 2009 in full effect, a nationally representative Consumer Reports survey shows a slightly lower level of dissatisfaction among Americans with their credit cards than last year. However, credit cards remain one of the lowest-rated services CR has ever analyzed; only 45... Read More
Potluck Parties Share the Fun and the Expense Published: Thu, Oct 14, 2010 Dear Mary: I am trying to plan a party for my daughter and her new husband. They are coming home on leave before her husband deploys to Afghanistan. None of us has met him before, so we would like to have a reception to welcome him to the family. I am not sure what I should do for decorations or a meal. We expect to... Read More
Look, a Silver Lining in the Great Recession Published: Mon, Oct 4, 2010 Once a year, two organizations, The National Marriage Project at the University of Virginia and the Center for Marriage and Families at the Institute for American Values, conduct a huge study that produces a document, "The State of Our Unions," the latest of which has just been released. The study paints a portrait... Read More
Get in there and kill that debt! Updated: Thu, Sep 23, 2010 Like many other young couples we lived from paycheck to paycheck. Now we don't have to do that anymore as I am finally making a decent income. We used our credit cards to keep afloat and I now have several major creditors that we owe $30,000 to. Currently I earn $85,000. Despite the bad economy, I will still be... Read More
8 things to do with a tax refund Published: Mon, Mar 29, 2010 It's easy to see a tax refund as some kind of gift from the universe. It's not. It is a chunk of your annual income you should have been getting all along in your regular paychecks. Plan now for how you'll manage it, or this refund easily could evaporate. 1. Treat it like a paycheck. Give away 10 percent, and save... Read More
Beware of Credit Card Changes Under New Law Published: Wed, Feb 10, 2010 If you've been living in a house of cards, read carefully. Just three weeks from now — on Feb. 22 — the Credit Card Accountability Responsibility and Disclosure Act (CARD Act) of 2009 goes into effect. Beware. Along with some new protections, the rules allow for more subtle and costly traps for unwary... Read More
Popular Money Advice You Shouldn't Take Updated: Thu, Jan 28, 2010 Bad advice: Do not save money for yourself until you have paid off your credit cards. Direct every cent you can scrape together to pay down your credit card debt as quickly as possible. It's not smart to earn 1 percent interest on money you save while you are paying 20 percent or more on your credit card debt.... Read More
When You Should Opt Out of a Credit Card Interest Rate Increase Published: Mon, Jan 11, 2010 Have you heard from your credit card company lately? Millions of cardholders have. Believe me; we're not talking about love letters. Credit card issuers are raising interest rates across the board. On everyone. It's likely you were given 30 days to decide whether to accept the increased rate. If you opt out, your... Read More
Don't Go Online Without Good Protection Published: Thu, Jan 7, 2010 Dear Mary: I went online to see what this Mint.com is all about. They want my bank account information and password. Is this really safe? — Dody, e-mail Dear Dody: They need that information so they can aggregate all of your financial activities into your Mint account. Without that linkage, Mint would be... Read More
Taking on Mom's Debt Would Bring Negative Results Published: Thu, Dec 24, 2009 Dear Mary: I work for a credit card company that is increasing the interest rates for all cardholders. I want to help my mother avoid the hit by adding myself to her account as a secondary owner. That way, she would receive my special employee interest rate, which is half of what her new rate would be otherwise. She... Read More
4 Ways to keep Santa in the black Updated: Wed, Oct 28, 2009 NEW YORK — For consumers grappling with job insecurity and limited credit, it will be especially important to keep holiday spending in hand this year. To avoid making bad choices or buying in a panic two days before Christmas, the key is to start planning now. "If you plan and figure out how much money you... Read More
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