• Prepaid Debit Cards: Typical Costs and Fees

    Prepaid debit cards can be very useful. They’re great for people who can’t get an account with a standard bank or credit union. They work well for direct deposit paychecks, and they’re often used for things like tax refunds. Some consumers have even learned that prepaid debit cards can...

  • What is Identity Theft?

    Identity theft is a serious crime in which somebody takes a person’s personal information, such as their social security number, and uses it to take out loans and credit cards in the other person’s name. Basically, these identity thieves pretend to be someone else in order to get free...

  • Debt Consolidation: Another Worthwhile Debt Solution?

    Whether through TV commercials, ads in the paper, or spots on the radio, we’ve all been bombarded with the idea of “debt consolidation.” It’s often presented as a catch-all solution to our financial woes, a notion that compels some to leap into it without due course. The truth is...

  • Follow the Money: Why You Should Create a Budget

    Whenever someone comes to me with financial problems, the first question I always ask is this: “Let me take a look at your budget.” You see, theoretically, a person’s budget would contain all of the information needed to figure out their personal finances. Simply, it would show money-in, money-out,...

  • The Safest Ways to Find Debt Relief

    When debt starts to get out of hand, the time to take action can hit pretty quickly. We’re often faced with a rapidly-narrowing window of opportunity and limited choices for how to mitigate the problem, which is why debt is so often referred to as a “downward spiral;” by...

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