Latest Posts

6 Times a Bargain Is Not a Bargain

Here’s when that steal of a deal is not such a bargain after all. 1. When you don’t need it The price might be right. But, if the heavily marked-down item is one you don’t need, you’re just blowing money you could be using for savings or to purchase the stuff you actually do need. 2. When it’s a faulty product Sometimes, it doesn’t pay to be cheap. If an item is retailing at a ridiculously low price, hold it up to this checklist to determine its quality: Where...



Free credit freezes are here

Free credit freezes and year-long fraud alerts are here, starting September 21st, thanks to a new federal law. Here’s what you should know: Free credit freezes Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. You also can get a free freeze for your children who are under 16. And if you are someone...



7 Questions to Ask Yourself Before Making a Large Purchase

You’re convinced: You really want that Coach handbag. Or you need that genuine Armani tie. Or maybe you know that gigantic, high-res entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. Of course, you’re absolutely thrilled. That’s until, a few weeks down the line, when you’re staring a huge credit card bill in the face and buyer’s remorse hits hard. You can’t help wondering, then, why you thought this exp...



How Many Credit Cards Should I Own?

The importance of maintaining a good credit score is old news. As you likely know, the higher your score, the more attractive you will be to potential lenders, making larger loans and the best interest rates more accessible. Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills on time. You may be wondering, though, if more is better. Should you open a few more and get more available credit? Or, are too many cards a liability to your score? Rea...



Protect Yourself Against Identity Theft With These 7 Tips

Identity theft is one of the most nefarious crimes out there. Here are seven ways to help protect yourself: 1. Secure Your Hard Copies Every sensitive document should be kept in a safe. Credit cards and debit cards should be securely placed in your wallet at all times. Bonus Tip: Shred all aged documents that contain sensitive information 2. Examine Your Financial Statements Review your financial statements monthly and check carefully for fraudulent activity. Report any suspicious charges immedi...