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7 Debt-Consolidation Mistakes That Wreck Good Credit
Image Source: 123rf.comDebt consolidation sounds like a relief strategy: combine multiple balances into one lower-interest loan. But retirees and families…
Will Your Credit Utilization Spike After Your Card Slashes Your Limit?
Image Source: 123rf.comCredit utilization—the percentage of available credit you use—drives your score. But many borrowers forget their bank controls the…
10 Student-Loan Tactics Borrowers Wish They Tried a Year Ago
Image Source: 123rf.comStudent loans remain one of the biggest financial burdens for Americans. Even retirees are impacted, either carrying balances…
Why the Debt Snowball Method Is Best for Your Mental Health and Money
When I finished graduate school, I had $72,000 in student loans weighing me down. But less than a year after…
8 Refinance Triggers That Save Big—If You Act Before Rates Move Again
Image Source: 123rf.comRefinancing can feel like chasing interest rates, but timing isn’t the only factor. Certain life or financial changes…
Are You Paying “Phantom Interest” Because You Chose the Wrong Payoff Strategy?
Image Source: 123rf.comMany borrowers don’t realize they may be paying what’s called “phantom interest.” This hidden cost appears when balances…
9 Balance-Transfer Cards With Gotchas in the Fine Print
Image Source: 123rf.comBalance-transfer credit cards promise relief with low or 0% intro APRs. For borrowers juggling high-interest debt, they seem…
Are Index Funds Still the Safest Long-Term Bet—or Are You Overexposed?
Image Source: 123rf.comIndex funds have long been hailed as the gold standard for retirement investing. Their low costs, broad diversification,…
9 Roth IRA Mistakes That Trigger Surprise Taxes Later
Image Source: 123rf.comRoth IRAs are popular for their promise of tax-free growth and withdrawals. But many investors don’t realize there…
What Happens When Your Caregiver Becomes Too Close to the Family?
Image Source: 123rf.comCaregivers are meant to provide professional help with daily tasks, health, and companionship. But sometimes, these roles blur,…
