Repairing Your Credit Rating after a Bankruptcy

building credit after a bankruptcy

One of the most financially devastating actions you can take is to declare bankruptcy. Your bankruptcy filing is reported under the credit payment history portion of your credit report. That is the factor that weighs most heavily in the calculation of your score. As a result of this reality, a bankruptcy can result in a […]

Are Rotating Category Rewards Really that Great?

rotating rewards cards

One of the best ways to improve your finances is to add in the use of rewards credit cards. The right rewards credit cards can help you earn free travel and even cash back. As long as you are careful to incorporate your credit card use into your regular spending, and as long as you […]

Don’t Mix Up a Money Market Account with a Money Market Fund

money market account vs fund

In the current low-rate environment, many consumers are looking for ways to improve the yield they receive from their deposit accounts. In some cases, opening a money market account can be an attractive option. Some money market accounts have better yields than “regular” bank accounts, and this makes them attractive. But before you open a […]

Is the Fed Really Ready to Taper Asset Purchases? CD Rates Could Go Up

Ben Bernanke

There has been a lot of speculation surrounding the Federal Reserve and its policies recently. A couple of weeks ago, Ben Bernanke seemed to indicate that the Federal Reserve is almost ready to begin tapering its asset purchases, thereby reducing economic stimulus. As a result, long-term interest rates — particularly mortgage rates — spiked. The […]

Is That Internship Worth It?

internship

During the summer between my junior year and senior year of college, I participated in an internship. As a Communications major, I was expected to complete an internship for college credit — and for experience. While I didn’t receive pay (and I even had to pay for the summer credits), the experience still proved useful. […]

Where are You Paying Taxes?

paying taxes

You can’t escape taxes. Even if you aren’t paying income tax, you still pay taxes somewhere. When you are aware of the taxes you are paying, you can take steps to minimize your tax liability. There are some taxes you can never avoid, but with some careful thought and planning, it is possible to reduce […]

What Are Your Options If You Get Declined for Life Insurance?

being declined for life insurance policy

Rejection. It’s one of the worst feelings ever. Whether it’s being rejected by your dream date at your high school prom, or getting rejected for a raise at your job. Nothing compares to the gut-wrenching feeling of being denied. Getting rejected on applying for life insurance is no different. Nowadays, people have many different high […]

Are You Saving Enough in Your IRA?

roth ira retirement saving

One of the most important things you can do for your financial future is to set money aside for retirement. Your retirement fund can provide you with peace of mind and financial stability in your later years. It’s easy to forget about the future when you’re worried about the present. But you really need to […]

Why Do Some Investors Prefer Dividend Stocks?

dividend stocks

Since the stock market crash of 2008, many investors have turned to dividend stocks. Dividend investing has become more popular as investors look for ways to continue earning income even during down markets. And, even though the market has recovered and surpassed its former level, many investors are looking for other ways to earn a […]

Are All Lab Tests Covered By Your Insurance?

lab tests insurance coverage

When you have health insurance, it’s tempting to think that everything is covered. Your doctor recommends a test, and you think that you should probably get it. Later, though, you find out that the test isn’t covered by your health insurance company. While some health insurers will cover various lab tests, there are those companies […]

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