The salesperson slides your new TV receipt across the counter and says, “Would you like to protect your investment?” It sounds reasonable. But here is what they are not telling…
After every major data breach, the company responsible offers you the same consolation prize: 12 months of free credit monitoring. You sign up, get a confirmation email, and go back…
A 4-year-old in Texas had $26,000 in credit card debt before she started kindergarten. An 82-year-old grandfather in Ohio lost his entire retirement savings, $340,000, to someone who called pretending…
A fund designed to double the S&P 500’s daily return sounds like a gift. Buy it, hold it, and collect twice the gains, right? Wrong. And this misunderstanding is quietly…
They call you a “payment buyer.” Behind the scenes, that label travels fast. The salesperson whispers it to the finance manager before you even sit down at the desk. It…
Last year, after reading about yet another massive data breach, I finally did what everyone recommends. I froze my credit at Equifax, Experian, and TransUnion. Took about 15 minutes. Felt…
Most people trying to “beat the market” aren’t beating anything. Studies consistently show that over a 15-year period, roughly 90% of actively managed funds underperform a simple index fund. Not…
Let’s say you’ve got $20,000 sitting in a savings account right now. You feel good about it. That’s a solid cushion. You’re being “responsible.” Ten years from now, that $20,000…
Most people trying to “beat the market” aren’t beating anything. Studies consistently show that over a 15-year period, roughly 90% of actively managed funds underperform a simple index fund. Not…
You already know credit cards can be expensive. A 24% APR on a $1,000 balance costs you $240 a year in interest if you just make minimum payments. That stings.…
Most Americans keep their emergency fund in a regular savings account earning somewhere around 0.5% interest. Meanwhile, inflation quietly eats away at that money year after year. You’re not just…
Most people click “agree” without reading a single word. I know because I used to do the same thing. Then one afternoon, out of curiosity and a little paranoia, I…
Your credit score determines whether you get the apartment, the car loan, the mortgage, and at what interest rate. A difference of 100 points can cost you tens of thousands…
