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| Articles about
Protecting Your Money
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| Link
to more articles at bottom of page |
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Retail
Credit Cards and Department Store Credit Cards
 Many
retail stores want to offer you a line of credit. But before you
sign up to get 10% off your purchase and a free umbrella, you need
to understand the effect that such cards can have on your credit—both
good and bad.
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Credit
Card Protection Insurance--Should You Get It?
 A
brand new year always starts off with new possibilities and
opportunities. For many, a new year offers a fresh start, and
thousands will make a New Year’s resolution to get their financial
matters more organized.
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Getting
Out of Debt
 A
general question, for starters: I personally know folks who have
high credit card balances, car loans, and other debts that are quite
high. They're not in bankruptcy, but they feel so hopeless about
ever getting out that they just can't stand to think about it. What
would you say to such people? Is it as difficult as it seems? Why or
why not?
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Penalty
Rates
 Scott,
My interest was raised to 28% after "a few" (honestly)
late payments. They told me they would review my info in 6 months.
Do you think I have a chance of getting them to lower my rate?
--Paula
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Debt
Daredevil
 Scott,
I am new to your web site and find your tips informative. I am
however, interested in your opinion of other financial wizards and
their money management tactics, such as Suze Orman. She seems to be
very conservative in her methods and you seem to be more on the
risky side. How would you rate your methods in comparison to theirs?
--Sherry
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Weekly
or monthly payments?
 Scott,
I have a $6,500 signature loan @ 13.5% APR with my credit union. A
friend of mine said I should divide my payment over four weeks. Do I
save more to pay a lump sum at the beginning of each month; or does
it benefit me to pay equal weekly installments?--Brian
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Payoff
and close accounts
 Scott,
I heard you this morning on the radio and didn't get a chance to
call in. I had a quick question. Once I pay off my credit cards,
does it help my credit to leave that account open, or should I close
this account? Thanks. --Nathan
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Credit
and Marriage
 Scott,
I was 36 when I married. I have excellent credit. However, the man I
married went through a messy divorce and his credit is moderate at
best. If I apply for credit, such as a new car, am I obligated to
list my husband's debts or can I still obtain credit in my own
name?
--Vicky
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Codes
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received Debtsmart about a month ago
and I love it!!! I learned so much.
Great tips!!! Keep up the good work!"—Vanessa
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