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  • Avoiding Predatory Lending

    Posted on March 17, 2017 by Jake Ward
    Like local car dealerships and personal injury law firms, short-term and payday lenders tend to have the most annoying commercials on TV. They’re often tacky and annoying, and tend to air during daytime talk shows or very late at night. Their promises of "fast cash!", "guaranteed approval!" and no "credit check required!" are enough to make you change the channel—and yet, if you ever find yourself in a situation where you need to get your hands on some extra money fast, those commercials might start making sense to you.
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  • Foiling Identity Theft

    Posted on March 17, 2017 by Jake Ward
    Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a "b") globally each year—not to mention the time and hassle involved in recovering a stolen identity.
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  • 5 Ways to Lower the Cost of Tuition Before Considering a Student Loan

    Posted on March 17, 2017 by Jake Ward
    If you’re considering financing your college education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need. (This advice applies to pretty much all loan products, by the way.) Pursuing post-secondary education should be an exciting time in your life. You’re making decisions and opening up possibilities that will shape your future—a future that is adventurous and fulfilling and that decidedly does not include years and years of crippling debt.
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  • Living on your Own

    Posted on March 17, 2017 by Jake Ward
    Living on your own for the first time can be empowering. It means having independence and all the things that come with it. Some of those things—like not having to share a bathroom—are wonderful. Others—like killing spiders yourself—are not so fun. And leading the pack in the not-so-fun category: bills.
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  • Comparing Cards - Which one should you use?

    Posted on March 17, 2017 by Jake Ward
    It’s a decision that comes into play for every bill you pay, every tank of gas you buy and every coffee you pick up on the way to class or work. Cash, check or card? Debit, credit or prepaid debit? You make this decision so many times a day that it might seem common and unimportant. After all, different forms of payment are just different ways to access funds, so what difference does it really make if you put your breakfast sandwich on credit instead of debit?
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  • Know Your Checking Account

    Posted on March 16, 2017 by Jake Ward
    Checks hold an odd place in our personal finances. In many ways, checks seem like relics from a previous era. We maybe write one or two checks a month (usually for rent or similar bill-paying situations where electronic payment simply isn’t an option). This is vastly different from only a few decades ago, when checks represented more than 85% of all non-cash retail payments.
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  • Credit Score Breakdown

    Posted on March 16, 2017 by Jake Ward
    You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them?
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  • Good vs. Bad Spending

    Posted on March 16, 2017 by Jake Ward
    When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s "good" and what’s "bad." In personal finance, there are some classifications that we can all agree on: Debt is bad. Emergency funds are good. Overdrawing your account is bad. Earning interest on your savings is good.
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