Credit Education

Credit Education

They Know What You’ve Been Buying: How Insurance Gets Your Spending Data

February 20th, 2015 by Alice Bryant
As news reports started coming out last year that insurers and healthcare providers were tracking and analyzing individual's spending data, a lot of people were immensely shocked. This personal data is accumulated from various sources, oftentimes without prior knowledge or permission. Knowing that our personal spending behaviors are used to assess health concerns, risks, and more seems invasive and intrusive in our freedom and rights to privacy. The truth is that some privacy laws will protect us, but our information is out there.
 

Financial Advice in the Dating World: Who Pays?

February 19th, 2015 by Yael Kent
Throughout human history, men have provided for the women. This trend is evident in all records of ancient hunting-gathering societies, so it is not likely to be circumvented any time soon. In evolutionary terms, the top indicator of being an alpha male has always been an ability to support and shelter women. And in more recent times, men have earned higher wages so as to “provide” for the family. In general, this is why men are expected to cover first date expenses.
 

5 Ways You Can Save this Valentine's Day

February 12th, 2015 by Yael Kent

As Valentine's Day quickly approaches, it's a good time to start planning your night so that you can be one of the people saving money when all is said and done. Failure to plan out your night in advance can cost you big. You'll likely have to pay more to get flowers, you won't have the best selection of affordable restaurants and you might find yourself paying extra to get your special someone the gift she wants.

Do Your Emotions Regulate Your Money?

February 6th, 2015 by Yael Kent

What makes a shopper decide to buy one shirt over the other or a box of chocolates in addition to the fresh produce they planned to buy? Cravings and desires all stem from one thing: emotions. Emotions are defined as a 'natural instinctive state of mind deriving from one's circumstances, mood or relationships with other people.' Common emotions include fear, anger, sadness, joy, trust, surprise and anticipation. Each of these can affect the way you manage your money.

4 Reasons to File Your Taxes Now

February 4th, 2015 by Yael Kent

When tax time comes calling, you have the option of putting things off. You can procrastinate, treating your taxes like a paper from your high school days. Many financial experts, though, will tell you that this is precisely the wrong thing to do. There are many reasons why it makes good sense to file your taxes right now. From avoiding penalties to freeing up some of your mental energy for more important tasks, the benefits of filing now are many.

Will the US Dollar Equal the Euro in the Near Future?

January 30th, 2015 by Yael Kent

The American economy is rebounding quickly from the recession, while the currencies of many other countries remain stagnant. This can be seen in the relative value of different currencies. While the Euro and other currencies are not bouncing back, the US dollar is stronger than ever. In fact, there is speculation from top names such as Goldman Sachs and other top firms that the dollar may soon be equal in value to the Euro.

Money Mistakes You Don’t Want to Make in 2015

January 9th, 2015 by Yael Kent
It is tradition for many people to view the start of a new year as a time to reset their goals in life. Often called resolutions, these goals usually involve personal health and fitness, work related issues, and financial goals. 
 
Financial goals are often hard to attain if they are not approached in the right manner. Just setting a goal to “get out of debt in 2015,” or “save for retirement” is not enough. It is important to know what to do, and what not to do, to achieve these financial goals.
 

How to Organize Your Finances for the New Year

December 19th, 2014 by Alice Bryant
A new year is imminent, and well-planned individuals are now considering their new year’s resolutions for 2015. All over the country, consumers will quickly be signing up for gym memberships, purchasing self-help books and swearing off their wicked behaviors.
 

What’s New in the Credit Card Industry?

December 16th, 2014 by Yael Kent
Before the 2008 financial collapse, credit card issuers were extremely lax about the approval criteria for card applicants. They offered long introductory periods with zero-percent APR, tons of cash-back bonuses and easy balance transfer options, and they approved people with low credit scores who probably shouldn't have had unsecured credit cards. After the collapse, credit card companies cut back on their extravagant offers and started getting a lot pickier about the applicants they approved. 
 

Do You Have an Emergency Fund?

December 4th, 2014 by Alice Bryant
The emergency fund is a crucial part of anyone’s financial portfolio. It exists to cushion you from a heavy financial blow from something like a hospital bill. Because of this weight, many of us want to take a large sum and invest it into something that will produce more returns than a regular savings account. However, doing so could greatly endanger your emergency savings. After all, the greater the yield, the higher the risk involved.
 

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