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Tag Archives: Credit Card

New Law Allows You to Freeze Your Credit for Free

In response to the massive data breech last year at Equifax, a new federal law will allow you to place a freeze on your credit file at no cost. Currently, you must pay a fee to do so. The law takes effect September 21, 2018. Equifax, Experian and Transunion are the three major credit reporting […]

Act Now to Protect Your Standard of Living in Retirement

When I perused a USA Today newspaper recently, I read a statistic* that stuck in my mind: “66% of adults 45 and older are concerned about not being able to maintain a reasonable standard of living in retirement.” Sixty-six percent is significant! This led me to think about two expenses which have greatly impacted some […]

Equifax Breach & Protecting Yourself

Note: This is a guest blog originally posted by my colleague Alison Salisbury, President and Founder of Fiscally Fit, Inc. in Los Altos, California.  Between Equifax and the Yahoo breaches, millions of Americans and billions of accounts were exposed. Rather than rant and rave about how security violations happen, I’d like to focus on how […]

What Happens to Debt When Your Loved One Dies?

What happens to a deceased person’s debt after he dies? His heirs may wonder whether they are responsible for the debt their loved one left behind. When a person passes away, she leaves an estate which is comprised of money in bank and investment accounts, cash, real estate, vehicles, household furnishings, and other financial or […]

Too Good to Be True: The Bill Paying Scam

Just as I completed my last blog about protecting yourself against scams, I came across this warning from the Federal Trade Commission (FTC):  The FTC warns con artists are targeting church communities with a bill paying scam. Since assisting clients with bill paying is one of my services, I was greatly concerned. The FTC says […]

Avoid Decay and Stay in Control of Your Money

Would you like to feel younger next year? The book, Younger Next Year by Chris Crowley and Henry S. Lodge, M.D., explains, while we can’t stop aging, we can turn back our biological clocks. Co-authors Crowley and Lodge describe the three components to becoming functionally younger as we age. Crowley writes, “50 percent of all […]

Five Easy Ways to Cut Expenses

Are you looking to save money this year? Now is a good time to review expenses and see what you can cut. Here are five ideas to help you on your way. 1. Drop Overdraft Protection This service is offered by banks and credit unions. Should you overdraw your account with an ATM or debit […]

When Being a “Deadbeat” is a Good Thing

I am surprised by the number of people who don’t pay off their credit card bill in full each month. I am not speaking of folks who don’t have the funds to pay their balance. I am speaking of people who have the money available, yet choose to not pay off their credit card balance. […]

Cost Savings or Convenience? Which do you choose?

Note: This is a guest blog by my colleague, Christine Moriarty, CFP, of MoneyPeace, Inc. When it comes to cost versus convenience, many of us opt for convenience. In this fast paced world, saving time seems to have universal appeal throughout the classes and the country. We swipe to pay. We Snap Chat to get […]