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What's the Right Age to Start Building Credit? 11/18/2018 07:00pm • If you're young and fairly new to the concept of credit, there's a good chance that it's a complete mystery to you. "Let's face it: Financial literacy isn't a focus of our school systems," says Alison Norris, certified financial planner and strategy manager at online lender SoFi. "While building go 9 holiday shopping habits that will make you go broke 11/17/2018 07:00am • Break these habits to keep your wallet intact this season. The holidays put people in the gift-giving mood, but those who don't watch their spending will find themselves feeling less than jolly when credit card bills arrive in January. According to the Holiday 2018 Consumer Trends survey from the Pastor says Leesburg 'in slaveholding business' by leasing historic cemetery 11/16/2018 01:23pm • LEESBURG, Va. — A long-ignored African-American burial ground is the subject of an emotional disagreement over who should maintain the cemetery located near the Leesburg Airport in Virginia. "The Sycolin Cemetery is a historically segregated cemetery that contains over 40 graves of (formerly en 7 Small-Cap Stocks to Buy for Big Returns 11/15/2018 07:00pm • Great stocks that fly under the radar.Some of the best-performing companies of the bull market have grown so big that their growth has understandably started to slow. While the big tech stocks and S&P 500 large-cap stocks get most of the headlines on Wall Street, there are plenty of small-cap st Becoming an Executor of an Estate: What You're In For 11/15/2018 07:00pm • If you've been named executor of an estate, you carry the burden of a variety of duties and legal responsibilities, including filing and paying remaining local and federal taxes, assessing the worth of assets, distributing property and sending records to beneficiaries. While you may feel privileged Why Did My Credit Card Interest Rate Increase? 11/15/2018 07:00pm • Rates are on the rise, which means you might have recently noticed that your credit card interest rate went up. If not, an increase could soon be on the horizon. "With the Federal Reserve's third interest rate increase this year, credit card rates are expected to increase," says Samuel Deane, finan How Do Credit Card Companies Make Money? 11/14/2018 07:00pm • The credit card industry is a lucrative business. For banks, credit cards are important and reliable money makers. A 2018 Federal Reserve System report said that "although profitability for the large credit card banks has risen and fallen over the years, credit card earnings have almost always been How to Prepare and Qualify for Student Loan Refinancing 11/13/2018 07:00pm • The national default rate for student loans has been slowly decreasing after reaching a high of 14.7 percent in 2013. In 2015, the official default rate was 11.8 percent, and so far in 2018 it has dropped to 10.8 percent, according to Federal Student Aid, an office of the U.S. Department of Educatio How Investors Can Win as Interest Rates Rise 11/13/2018 07:00pm • If you have a savings account or variable-rate debt, you might be aware that interest rates are rising. But a bit of strategy can help you profit from rising interest rates and avoid a few potential pitfalls. Most interest rate movements are driven by the monetary policy of the Federal Open Market How Should I Respond to a Debt Settlement Offer? 11/13/2018 07:00pm • Getting a debt settlement offer may feel like a lifeline if you're drowning in unpaid bills. But if you settle for less than what you owe -- perhaps much less -- there are serious downsides, too. You may need to make an immediate payment in full and could face tax consequences. That's why experts of 8 Stocks Saddled With Unrealistic Expectations 11/12/2018 07:00pm • Investors expect too much from these companies.The stock market's October hiccup reset the valuations of a number of popular stocks. But the sell-off was a friendly reminder to all investors that expectations can get easily get a bit too high on Wall Street. Bank of America uses its Beat Factor scre What You Need to Know About Getting a Security Clearance 11/11/2018 07:00pm • Securing a Job Opportunity Aspiring civil servants may find themselves in need of security clearances to gain government employment or move up in the ranks. U.S. citizens who apply for this kind of access may have to fill out forms, provide character references for investigators to interview and eve Tips for Aggressively Paying Down Credit Card Debt 11/11/2018 07:00pm • If you feel like you're drowning in credit card debt, you're not alone. As of September 2018, the Federal Reserve reported that Americans have more than 1 trillion dollars in revolving debt, which includes things like credit card debt. But while virtually everyone agrees that having less credit card 8 Ways to Invest as Rates Rise 11/08/2018 07:00pm • Rate hikes prompt portfolio assessment.The Federal Reserve raised rates eight times since 2015, three time this year alone -- and many observers expect another hike before 2018 is over. Last week, 10-year Treasury yields hit new highs, briefly climbing to 3.2 percent and the highest levels since mid What Is a Credit Reference? 11/08/2018 07:00pm • Your credit report is your most well-known -- and valuable -- credit reference. But it's not the only one you have. A credit reference can take on many different forms. For instance, each individual account listed on your credit report is also considered a credit reference. And some credit referenc