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 September 7th, 2012

Until last year, Social Security sent taxpayers an annual personalized statement showing a complete record of their taxable earnings as well as estimated retirement, disability and survivor benefits based on those earnings. Unfortunately, budget constraints brought put an end to those yearly mailings.

But there's good news: Social Security has resumed mailing paper statements to workers 60 and older who aren't already receiving benefits. And, they recently launched a new Social…

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Published On September 6th, 2012

Student loan debt is all too common. In fact, the total amount of student loan debt is now over $900 Billion dollars which is higher than the total amount owed on credit cards. Some US Senators have declared student loan debt to be a 'ticking time bomb'.

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Published On September 4th, 2012

Interest rates on home loans are extremely low, but does that mean you should refinance? At what point should you do it? It's not always obvious because getting a new loan isn't free. There are costs that must be absorbed by the homeowner. You need to consider the change in interest rates, the length of the loan, and the closing costs. It's simple math after that.

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Published On September 1st, 2012

Ah, those lazy, hazy days of summer will be ending before we know it. But it’s not too late to host one more cook-out. You’ll be able to do it fairly inexpensively because of the sales you’ll find this month at the grocery store

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Published On August 9th, 2012

What is an institutional investor? Why should you even care?

The financial markets have complex forces working within them that can affect your investment profits. Institutional investing is one of these forces. Read on to find out how they can affect nearly any investment you may be considering.  

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Published On August 7th, 2012

If you're not an international spy and you don't have great wealth, do you need a safe deposit box? Once you learn the facts about safe deposit boxes, maybe you'll discover that you really need one, or discover that you really don't. You might be surprised either way.

A safe deposit box is an inexpensive way to protect items that are important to you. If your house was robbed or destroyed by a fire, flood, hurricane, tornado, or other causes, would you lament the loss…

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Published On August 4th, 2012

Think, “Hot fun in the summertime” when it comes to grocery shopping. Foods you love to eat in the hot weather can be bought cheaply. Make room in your cupboard and refrigerator for the following items:

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Published On July 3rd, 2012

In a marketplace where lenders are demanding record-high FICO credit scores - Fannie Mae and Freddie Mac are averaging around 760 on approved mortgages this year - are you a little fuzzy about what can push your scores up or down?

Take "inquiries," which Fair Isaac Corp., the developer of the iconic score methodology dominant in the mortgage field, says are among the most widely misunderstood components of its system. Do multiple inquiries - requests by lenders and others to…

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Published On June 11th, 2012

As parents, we hope we're doing a good job raising our children – teaching them right from wrong, instilling the desire to learn and demonstrating how to manage money responsibly. But what if they see us preaching one behavior while practicing another? What's to stop them from following in our sometimes misguided footsteps?  

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Published On May 23rd, 2012

What attributes do you think would describe the riskiest (most likely to default) credit card borrower?  Would you say they are people who max our their card, miss payments, and exceed credit limits? or is it those who pay their bills on time, revolve small balances, and never even approach their limits? Clearly, the former is going to be the riskiest profile.

Now, describe to me the profile of a credit card user who is going to be the most profitable to the issuer. Would you say…

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