What should you do then if you have a high lease payment and you are like so many debt averse Americans (that just sounds strange to be coming off my keyboard) and are de-leveraging (paying off debt and not incurring new debt) and dare I suggest, PAYING CASH for your next car (Dave Ramsey will be so proud of us both)?

My husband and I always operated under the premise that each house would be a stepping stone to the next bigger, better home. Our first house was purchased with an ARM loan, and we sold it about a year before the balloon payment was due. This house was never supposed to be our long-term home, but a stepping stone for a few years. We viewed buying and selling a house like trading cars, and it was often easier, in fact, than buying another car.

By now you know you should review your credit reports for inaccuracies every 90 days. But do you know what to do when you encounter a mistake in your credit report? 7 Steps to correct credit report errors: The first thing to do is …

Fixing Credit Errors Step By Step Read more »

One of the booming  cottage industries that has emerged from the Great Recession is credit repair companies. Most are by the same people who flew the sub prime mortgage industry into the ground lying to home buyers about their ability …

How to DIY Credit Repair Tips Read more »

You have exactly three passwords, don’t you? The first is one you use for all the logins that you don’t think house anything worth stealing. You use it when you are signing up for a Web site that you might not visit ever again. It’s the default password you deploy when you’re required to “create a free account” to read an online newspaper or RSVP to an e-invitation.

If you are like me you may have shared information about an upcoming vacation, your home phone or pictures of your vegetable garden. Like me you’ve probably even shared your cell phone so that your friends can reach you. All of which is invaluable information to Identity Thieves maybe even more so than your account numbers and corresponding passwords. Fifty-two percent of Millennials are on their social network of choice several times a day, leaving 18 percent of users exposed to malware, the study found – Jacques Erasmus Ex-Hacker Turned Internet Security Adviser