Joshua Heckathorn

Home / Author / Joshua Heckathorn
Joshua Heckathorn's picture
Joshua Heckathorn

Joshua Heckathorn was President of Creditnet, is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

Visit 's Google Plus profile for more.

Recent Blogs

Richard Cordray is In: Watch Out Payday Lenders!

Richard Cordray President Obama took the opportunity yesterday, while lawmakers were on recess, to appoint Richard Cordray as the Consumer Financial Protection Bureau's (CFPB) first director.  The move is sure to ruffle a lot of feathers among Republicans in Washington D.C., but apparently Obama was sick and tired of watching the CFPB sit on the sidelines making suggestions that no one was obligated to listen to. They'll be a lot of partisan bickering regarding Obama's actions over the next few weeks, but I don't think most Americans really care about that.  The fact is Cordray is in, and he's probably not going anywhere for awhile.

Discover More Card Launches No Balance Transfer Fee Deal

The Discover More Card - $0 Balance Transfer Fee deal is back! We saw this promotion go live in 2011 around the same time, but it really didn't last that long. And like last year, this deal is once again hitting the marketplace for a limited amount of time. So, if the holiday credit card bills are already rolling in and you're afraid you might have to carry a balance on one of your cards for a few months before paying it off in full, you might want to check out this offer right away and save yourself some money on interest.  With no annual fee, 0% interest and no balance transfer fee, the card really does offer the opportunity to get a completely free loan from Discover for the next 12 months. In addition to the $0 balance transfer fee, here are some of the other highlights of the Discover More Card:

10 Ways to Destroy Your Credit in 2012

I think I might vomit if I have to read one more "10 steps to financial freedom in 2012" blog post. They all say the same things.  Make a budget, track every penny you spend, build an emergency fund...blah, blah, blah! Don't get me wrong.  Those are each important parts of personal finance, but aren't you bored of reading the same old stuff?  I certainly am.  So I'd like to take a different spin on things for my first post of 2012. Want to destroy your credit this year?  Here's 10 ways to make it happen:

Dash to Goodwill Before Ringing in 2012

[caption id="attachment_5920" align="alignleft" width="500" caption=" "]happy new year 2012Photo by Creativity103[/caption]

You probably have a list of 50 things to do today as you prepare to ring in 2012 with friends and family, but I'll bet most of them will cost you money.  Here's a quick task to add to your New Year's Eve list that will actually save you some money in 2012.

To save on your 2011 tax bill, take an hour this afternoon and rummage through your closets for old clothes, toys, and household items that are just taking up valuable space.  If you come across something and it hasn't been used in 6 months, get rid of it.  Don't try to talk yourself into keeping it around because there's the slight chance you might need it at some point in the future.

Trust me, if you haven't used that old t-shirt you won at the state fair 3 years ago, you're never going to need it.  Donate it to someone who will, and earn yourself a little tax break.

Citi ThankYou Preferred Card $500 Bonus is Back

*Update* December 2011: This card offer is no longer available.  Check out the current details of the Citi ThankYou Preferred Card instead. Citi ran a great promotion in October on a few sites, including Creditnet, which ended up only lasting a few weeks before it was pulled offline. Well, it's back! The Citi ThankYou Preferred Card is once again offering new cardholders the opportunity to earn up to 50,000 bonus points during the first year of use.  If you want to read all the details about the pros and cons of this credit card, check out my original post:  Citi ThankYou Preferred Card Review: 50,000 Bonus Promotion.  For a brief update, read on.

Pages