Mr. Weinberg's insightful articles & real-world experience in handling all kinds of credit card & mortgage debt will put you on the path to financial success. Tips, Techniques, and proven methods for improving your situation.

Published On November 13th, 2012

You've heard about the Credit Crunch and its tightening effect on lending guidelines in the mortgage industry, but what does it mean to millions of Americans who need student loans to help pay their college tuition?

The student loan market looked pretty bleak during the first quarter of 2008. Not only did the reduced benefits created by the College Cost Reduction and Access Act in 2007 kick in, but for the first time in 40 years, no bonds backed by student loans were purchased during…

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Published On October 24th, 2012

Who's responsible for debts after a death?

When a spouse dies, the surviving mate may be burdened with more than just grief and loneliness. Credit card debt may also haunt the partner that is left behind.

The responsibility for the credit card debt of a deceased spouse will depend on the type of account it was and, in some cases, where you live.

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Published On October 22nd, 2012

According to recent statistics from the Bureau of Justice Statistics and the National Crime Victimization Survey (NCVS), in 2010 seven percent of U.S. households–or about 8.6 million households–had "at least one member age 12 or older who experienced one or more types of identity theft victimization." The NCVS defines identity theft as "the misuse or attempted misuse of an existing credit card or another existing account or the misuse of personal information to open…

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Published On October 19th, 2012

Are you someone who is trying to rebuild your credit? Investing in a secured credit card could help you to quickly bring your credit score up. However, unlike a standard (unsecured) credit card, these cards typically require a refundable security deposit to grant you a credit line. Many also have annual fees and higher-than-average interest rates. You can shop around to find the most attractive rates and terms, and you’ll need to protect yourself from predatory offers.

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Published On October 18th, 2012

Just in the United States, debit cards accounted for over $1.15 trillion in purchases in 2011. It is predicted that over 65% of all purchases will be made with debit cards by the year 2013.

Debit cards are here to stay. But just how safe is your debit card? Is it as safe as using your credit card?  

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Published On October 15th, 2012

One of the great things about being a young adult is that it’s unlikely that you have any negative marks on your credit. Having a great credit score is the result of having positive credit items, a good payment history, and time. A good credit score requires some credit history – the longer, the better.Building credit is quite easy and there’s never a good reason to put it off. The sooner you get started, the better your credit score will be.

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Published On October 12th, 2012

QUESTION: How can I avoid accumulating credit card debt over the holidays?

ANSWER: Too many people find themselves with a large amount of credit card debt after the holidays, thinking they'll pay the balance with their tax refund. When you think about it, getting a refund check means that you let the IRS use your money throughout the year without paying you any interest.

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Published On October 5th, 2012

Autumn is drifting in, as sure as the leaves are falling from the trees. As the fall chill fills the air, thoughts turn to, “What am I going to cook for dinner now that the weather’s cooling off?” Take a look at the supermarket foods on special this month, and many other amazing items available in October at the best possible price.

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Published On September 13th, 2012

Have you ever completed your tax returns only to find out that you owe way more to Uncle Sam than you were expecting – or worse, that your tax bill is more than you can possibly afford to pay right now?

Don't worry. If this is the case, you're not alone. And, more importantly, you're not going to jail just for being a little short on cash. Rest assured, the IRS only seeks criminal charges for those who the agency can prove intentionally chose not to file and pay taxes.…

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Published On September 8th, 2012

Let’s face it: College is more than beer, babes and books. For many of you, starting your college life is right around the corner, and it’ll be your first foray into what your parents probably call “real life”. You will be inundated with so much information in the first few weeks, it will make your head spin. One thing you are certain to see is your fair share of student credit card offers. College campuses are often littered with representatives from credit card companies…

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