Credit Score Elements #2

Oct 30, 2014 by

Nothing matters more in your FICO® score than whether you’ve paid your debts on time!

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Credit Score Elements #1

Oct 28, 2014 by

30% of your credit score depends on your “credit utilization”. But what exactly does that mean, and how do you best manage your utilization of credit?

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Stocks Are Twitchy

Oct 23, 2014 by

Stock values have been gyrating madly the last little while, but we’ve made no changes to our equity investments. I share here what we own.

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Americans’ Credit Card D...

Oct 16, 2014 by

The average American who carries a balance month-to-month on their credit card account owes $7,743 (and other fun facts!).

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Negative Option Marketing

Oct 14, 2014 by

This unfortunately legal practice results in widespread unauthorized recurring credit card charges. Tip: Carefully check your statement!

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Nobody Wants to Budget!!

Oct 9, 2014 by

How I know almost none of you are interested in budgeting, but many of you have student debt and children!

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What’s an Indicator Choi...

Oct 7, 2014 by

Certain choices we make, even trivial ones, can speak volumes about the likely comfort we’ll enjoy—or not—in retirement.

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Tech Replaces Repo Man

Oct 2, 2014 by

Car won’t start? Are you late on payments? The repo man is being replaced by the remotely activated starter interrupt device.

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World’s Best Layaway!

Sep 30, 2014 by

Due to popular demand and the booming success of the 2013 Money Counselor layaway program, I’m re-launching now Money Counselor Layaway 2014!

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20% Legal Doc Discount

Sep 27, 2014 by

Great news folks! You can now get a 20% discount on LawDepot.com legal forms through an arrangement with Money Counselor!

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Balance Transfer Done Right

Sep 25, 2014 by

A credit card balance transfer can help with a debt problem. But only if you do it right!

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Obamacare Exemption

Sep 23, 2014 by

The Affordable Care Act establishes a third option besides 1) having qualified health insurance or 2) making a “shared responsibility payment” on your tax return. Option #3 is EXEMPTION. Do you qualify for an Obamacare exemption?

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Bucketize Your Savings

Sep 18, 2014 by

Here’s a simple way to think about your savings so you can sleep a bit easier at night and better reach your money goals.

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Our Health Cost Savings

Sep 15, 2014 by

Since moving to Canada five years ago, I estimate we’ve saved over $100,000 in health insurance and health care expense.

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Average Income 2010-2012

Sep 9, 2014 by

Which group do you think got walloped worse by the Great Recession, high school dropouts or college graduates?

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My Kayak Purchase Story

Sep 4, 2014 by

Only sharp ears and asking the same question three times saved me from spending $700 on something I didn’t want.

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Smart Cards Coming to U.S.

Sep 2, 2014 by

Credit cards with embedded chips and beefed up security features are at last being introduced in the U.S. Will “smart cards” end credit card fraud?

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Interviewed by Mint.com!

Aug 30, 2014 by

Uh-oh, now I have to try to live up to Mint.com’s “expert” label.

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Save a Million? Yeah, Right.

Aug 28, 2014 by

The “experts” say you need to save at least a million dollars to retire comfortably. What’s Money Counselor’s carefully considered comment? HORSE HOCKEY!

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Do You Have Enough?

Aug 26, 2014 by

A story told by Stuart Mclean on the CBC radio show The Vinyl Cafe struck a chord with me, and I think it will with you too.

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Russian Hack Attack

Aug 21, 2014 by

The most recent hack perpetrated by crooks in Russia compromised more than a billion username / password combinations. What should you do?

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Investing for Dummies Excerpt

Aug 19, 2014 by

In this extended excerpt from the 7th edition of “Investing for Dummies,” Eric Tyson explains the steps you should take before launching into an investment program.

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FICO® Score 9

Aug 14, 2014 by

An upcoming change in the formula for the most popular credit score means medical debt in collections will ding the debtor’s score a bit less, non-medical debt a bit more.

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Costly Overdraft Protection

Aug 12, 2014 by

Consumers with overdraft protection attached to their checking account pay four times higher fees—nearly $30 per month on average—than bank customers with no overdraft protection.

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