Do you consider it a necessity to apply for credit cards? It may not be. Credit cards can cost you a great deal in transaction costs, annual fees, and interest charges. However, there are many cases where a credit card comes in handy. When you are looking for the right card, it would be wise
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To cosign or not to cosign? This the question. Over the years I have heard so many horror stories where people have either co-signed on a loan, apartment, line of credit, or rental car and then the individual who asked them to co-sign stopped paying. In all of the cases that I know about the
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I reached out to Maria after reading about her in an article that I found on Facebook. I thought she was brilliant, thoughtful, and no-nonsense. After getting to know her, she is all of these things and more. Dr. James is a straight-up riot. She cracks me up with her dry wit! I already see
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by Shani Curry St. Vil My client is 54 and desires to retire at the age of 57. However, I recommended that she continue working until she reaches age 62. Why? So she can take advantage of her Social Security retirement benefits and minimize any fees associated with prematurely withdrawing from any of her IRAs (Individual
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As I was going through some personal finance rules that are very good to follow, I thought of the individuals who may be experiencing economic hardship and how this may be conflicting information. If you don’t have any income, no money coming into your household, then some of the rules don’t make much sense for
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A few weeks ago I wrote a post asking you to ask 5 questions before buying a new iPhone. I was inspired to write that post because a friend of mine was trying to figure out how she could get off of work early to buy the new phone. I wrote the article and then
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While the opportunities to reduce the interest rates attached to your private loans may not be as robust as those of federal loans, they, nonetheless, do exist. My hope is that is article will inform you about your options so you can make the best financial decisions for you. If you have private loans with
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By Kim Renée Nelson I enjoy shopping. If I could, I would be internet and personal shopping all over the place. I surf the web and window shop seeing all the things I need. Ok, things the advertising industry says I need. However, my budget says “slow your roll girl”! So, I have to be
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By Calvin Russell As a Certified FICO Professional, one of most asked questions I get is, “What do I have to do in order to achieve an 800 or above credit score?” After viewing over 400 credit reports of High FICO Score Achievers, there are about 5 habits that they all have in common. Less
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You did everything that you were supposed to do. College degree. Good job. Benefits. Yet it is still difficult for you to get a handle on your finances. Lately, you might have found yourself asking, “What is at the root of my money problems?” and “What can solve them?” Luckily the answer to both is
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