Debt doesn’t just go away when someone dies.
Most debts get passed on to any surviving family members after someone passes away. If you do nothing to plan for this inevitability, the state in which you live will decide how your estate should be handled.
Claiming to be a government authority is a tried and true way that scammers trick people into sending money. Among the most common government imposters have been scammers pretending to be the IRS – until now.
Read more…Growing wave of Social Security imposters overtakes IRS scam
Rejoice in the nation’s freedoms by grabbing a few free treats this month.
July has arrived, and as you celebrate our nation’s freedom, also take a moment to rejoice in all the freebies available this month!
From complimentary cheesecake to free museum access for active military members (thank you for your service!), we are spotlighting some incredible offers you don’t want to miss.
Does it feel like your paycheck is gone the moment you get it? Here’s how to break that vicious cycle.
Are you stuck in the all-too-common habit of living paycheck to paycheck? You don’t need me to tell you that’s a self-defeating cycle. You simply can’t get ahead that way.
But escaping isn’t easy, especially if your paycheck is tight. Change involves not just the hard work of making a new habit, but also changing your ways of thinking.
Read more…How to Stop Living Paycheck to Paycheck in 8 Steps
A credit report is a detailed account of your individual credit history, compiled by one of the three major credit reporting companies (Experian, TransUnion, Equifax). Creditors use these reports to evaluate an individual’s ability and willingness to repay debt. Banks, department stores, the IRS, the court system, doctors, hospitals, utilities, and other companies all submit payment information directly to the credit reporting companies.
Some manufacturers and retailers entice shoppers with instant cash rebates that can be redeemed immediately at the checkout counter.
Out-of-control debt has a way of taking over your life. High interest rates can cause your balances to climb higher each month, and the higher balances hurt your credit score, making it more difficult to obtain financing for important household expenses or personal needs. As the debt grows, so does your stress.
Over the last decade, we have seen far too many data breaches put consumer information at risk. That most recent debacle was the Equifax data breach of 2017, which released the sensitive personal information of up to 143 million Americans to hackers and thieves.
Read more…Everything you need to know about freezing your credit
Fall is here, and perhaps you’re realizing that you spent more than you intended over the summer. Time to get organized as the holidays are approaching!
While it may be tempting to wait for the new year to “start new”, don’t hold off. Start now, go ahead and take the necessary steps to overcome the financial stress you may be experiencing.
Many consumers use debit, credit and prepaid cards, often interchangeably; however, these three types of cards are quite different.
Read more…Debit, Credit and Prepaid Cards: There Are Differences