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How to Find a Financial Advisor If You're Not Rich 10/08/2018 08:00pm • If you think about it, the people who need a financial advisor are the ones who can't afford one. If you're impoverished or firmly in the middle class and can't seem to make it to the next level, you're the one who could really use financial advice. If you're wealthy, you know what you're doing. Yet How the New IRS Rules Affect Student Loan Benefits 10/08/2018 08:00pm • More companies are rolling out different types of student loan repayment perks to recruit millennial and Gen Z employees who are saddled with debt. "Over the last couple of years in general, as the labor market has tightened, there's been more competition for talent. One of the ways for companies t Do Business Credit Cards Affect Your Personal Credit? 10/04/2018 08:00pm • One of the many benefits of using a small business credit card includes separating your personal affairs from those of your business. But when it comes to your credit, it's almost impossible to have complete separation. Nearly all business credit cards require a personal guarantee, and some will eve How to Remove Yourself as a Co-Signer on a Credit Card 10/03/2018 08:00pm • If you have a family member or friend with bad credit, you might get asked to co-sign on a credit card. Co-signing is a generous act that can help someone get access to credit and learn how to manage it responsibly, but don't sign the dotted line just yet. There are a few risks: You could end up tak What to know about 401(k) benefits for student loan payments 10/03/2018 08:00pm • For many borrowers, repaying student loans is tough work. But achieving those debt payoff goals while fully funding a retirement savings account is even harder. For those struggling to perform this juggling act, a tax decision made public in August from the Internal Revenue Service offered a glim Independent yet still dependent: Topics to cover with your college kid 10/03/2018 01:52pm • WASHINGTON — College is an immersive experience. Labs and lectures are just one part of it. There’s a different world to explore outside the classroom as well. This introduction to adulthood can be exciting — and somewhat perilous. “College is a great time for kids to learn to be indep What College Students Need to Know About Credit Card Fraud 10/02/2018 08:00pm • Almost two-thirds of college students aren't concerned about falling victim to identity fraud, according to a 2015 report by Javelin Strategy & Research. At the same time, students experienced the most severe effects of fraud of any age group. It's not always possible to prevent credit card fra How Debt Collection May Change for Student Loan Borrowers 10/02/2018 08:00pm • The U.S. Department of Education may sever ties with private debt collection firms. This could be good news for federal student loan borrowers in default. Consumer advocates say some delinquent borrowers have dealt with collection agencies that haven't been forthcoming about options that may be avai Do You Need a Tax Attorney? 10/01/2018 08:00pm • If filing your tax forms is typically a seamless and straightforward process, you may not consider turning to a tax professional or accountant for help preparing a return. However, in other cases, seeking assistance from a tax attorney may be unavoidable, depending on your financial situation. For 4 Little-Known Ways to Get Into Credit Card Debt 10/01/2018 08:00pm • Credit card debt is one of those things that can sneak up on you when you least expect it. It's lurking behind that balance transfer credit card that's begging you to use it for new purchases. It hangs out in dark alleys and tells you to take a vacation you can't afford to earn a sign-up bonus. If n VOTER VOICES: Montgomery Co. voters sound off on Hogan, Jealous and the issues that matter to them 10/01/2018 04:17am • This story is part of the series, "Voter Voices." WTOP asked voters across Maryland what issues concerned them, and who would be getting their vote in the upcoming election for governor. Other chapters have included stops in Howard County, Baltimore City, Frederick County, and Prince George's The Difference Between Interest Rate and APR 09/30/2018 08:00pm • Homebuyers shopping for a mortgage usually look for the lowest interest rate. But another number -- the annual percentage rate, or APR -- is just as important when trying to determine how much house you can afford. The difference between the interest rate and APR is simple, says Bryan Sherman, a con The Truth About Credit Card Debt Settlement 09/30/2018 08:00pm • In general, your credit card company wants its money back -- all of it. Part of your agreement when using the card is that you'll pay back all the charges you've made, plus any interest and fees that you accrue. But, in some cases, credit card issuers realize that getting everything you owe simply i 5 Tips for Investors Nearing Retirement 09/30/2018 08:00pm • Sooner or later the retirement plan gets a kickoff time, but setting a date is just one of the final steps in changing from the accumulation phase to the distribution phase, when you start spending those hard-won assets. The final 12 months are critical to assuring retirement goes as desired, and ex Should I Fund My Business with a Credit Card? 09/27/2018 08:00pm • If you're starting a business and looking for quick and easy financing, one source is as close as your wallet. Personal and business credit cards are an attractive way to pay for some of the bills you'll face as a business owner, especially in the early stages when cash flow can't always match expen