Inflation’s Bleak Prospects. . .in 1978

It’s the small, slow changes of life, the ones that occur a little each day, that are the hardest to see but, in the end, pack the hardest punch. Whether it’s the extra 50 calories a day we eat or the extra $50 a month we invest, the change is nearly invisible at first, but […]


8 Lucrative Business Ideas for High School Students

When I turned 16, the first thing I did was get my driver’s license. And the second thing was to get a job. My idea of a job was to work at a local fast food restaurant, and later a grocery store. My first “real” job (I delivered newspapers at a young age) paid $3.35 […]


Which FICO Scores Do Mortgage Lenders Use?

With dozens of variations of FICO credit scores, which FICO scores do mortgage lenders use? We have the answer, along with how to check your credit score. As I’ve mentioned before, I’ve been on a refinancing binge. My wife and I have refinanced our home twice in the last 12 months, and my business partner […]


List of Prepaid Credit Cards That Build Credit

In response to an article about free and low cost prepaid cards, a reader asked about building credit with a prepaid credit card: “Is using a Prepaid Credit Card a way to build a credit history for someone who doesn’t have one?” This is a great question, and underscores how confusing the different types of […]


American Express + Twitter = Savings

There’s two ways to spend less money–the easy way and the hard way. The hard way involves cutting back on everything from eating out to buying clothes to taking vacations. The easy way to spend less involves making smart changes that don’t affect your lifestyle, such as refinancing debt to lower rates or comparison shopping […]


6 Ways to Get Your Tax Refund Fast

Back in the day, I vividly recall running to the mail box to look for our tax refund. It was as if I’d found free money, even though I knew of course that it was just the IRS returning my own money to me. Still, tax refund day made me feel like I had won […]