Car commercials scream at us about leasing or buying their latest model, quoting the option with the lowest payment. But it makes you wonder— if you could purchase a vehicle, why would you not choose to own it? Or, why would you pay full price if there was a less expensive way to drive? Continue reading
Archives
Effect of CARD Act on Students
Credit card reform has been long in coming, and given lenders’ nearly free reign to manipulate rates, any form of cardholder protection is wonderful. Continue reading
Monitoring Your Credit Report
Unless you haven’t had a TV or radio for the last several years, you’ve been bombarded with catchy songs advertising a website called “freecreditreport.com”. Perhaps you’ve even sung along. Continue reading
Introducing the Fair and Accurate Credit Transactions Act
On December 4, 2003, the Fair and Accurate Credit Transactions Act (FACTA) was signed into law, intended to protect consumers from the dangers of identity theft by regulating credit companies. Continue reading
Changing Payment Dates on Credit Cards
Here’s a cool little fact: for most credit cards, you can change the payment due date.
Why would I do this? For one, you can arrange it so that all your credit cards are due on the same day. This takes pressure off having to remember which one is which, and you can pay all in one fellow swoop. Continue reading
The Big Expense: College Financing Tips
A college education is one of the wisest investments a person can make— think of how much more earning-power comes with that seemingly magical piece of paper. Not to mention the personal growth that develops alongside it. Continue reading
Do Prepaid Credit Cards Build Credit?
Some consumers’ credit is so lousy, they cannot even qualify for credit cards. Others haven’t consistent enough income to be approved, and some have no credit at all. All these types have become interested in pre-paid credit cards. Continue reading
When One Is Better Than Many: Consolidating Student Loans
The sad truth about student loans (or any type of loan) is that they cannot simply go away— every debtor needs to repay them. Consolidation provides a method of doing that. Continue reading
A Student Loans Comparison
If you’ve ever had to complete the FAFSA questionnaire or the CSS/Profile, you know what a pain it is. Endless questions about assets, this year’s taxes, last year’s taxes, taxes from two years ago… Just submitting the documents is a huge relief. Continue reading
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