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How Student Loan Debt is Different From Other Types of Debt 12/25/2018 07:00pm • Ignoring student loan debt does not make it go away. Student loans, like all consumer debt, are taken out with the expectation that the borrower will pay them back. All consumer debt can be broken down into two main types, either secured or unsecured. Secured debt is backed or "secured" either by an 7 Bond Market Trends to Watch in 2019 12/25/2018 07:00pm • What can bond investors expect in 2019?The S&P 500 index is on track for its worst year since 2008, and investors worried that things could go from bad to worse in 2019 are looking for ways to protect their portfolios. With interest rates on the rise, the relative safety of bonds is getting more Credit Lock Versus Credit Freeze: Which Option Is Best? 12/23/2018 07:00pm • Criminals and cyber thieves only need a few data points, such as your name, address, Social Security number or credit card number, to steal from you. Once they have your identifying information, they could empty your bank account, rack up charges on your credit cards, get a cell phone in your name o 5 Questions About Net Worth -- Answered 12/20/2018 07:00pm • In society, we often equate net worth with the financial status of the rich and famous. Maybe you associate net worth with the economic standing of famous Hollywood actors, high-profile politicians and successful business leaders. Or perhaps you view net worth as a benchmark of your own wealth comp When Is the Best Time to Apply for a Credit Card? 12/19/2018 07:00pm • For many things in life, timing is everything. That's especially true of credit cards. Applying for a credit card at the wrong time could mean you're denied. But time it just right and you could not only be approved, but reap major rewards, too. The best time to apply for a credit card is when you' Financial New Year's Resolutions You Don't Have to Keep 12/19/2018 07:00pm • It's that time of year when people begin thinking about how they'll improve their lives in the new year. For many that includes looking for ways to make a fresh start with their money. Nearly a third of adults are planning to make a financial resolution for 2019, according to a survey of 2,005 adul 11 of the Most Interesting New ETFs to Buy 12/18/2018 07:00pm • These ETFs stand out in the crowdThe ETF revolution has continued in earnest across the last 12 months, with 2018 welcoming more than 250 new exchange-traded products to U.S. investors. Some of these new ETFs are simply variations on existing themes, either competing with existing sector funds on th Credit Cards vs. Charge Cards: What's Better for Your Business? 12/18/2018 07:00pm • Maintaining positive cash flow and covering expenses are two of the biggest challenges you may face as a business owner. Charge cards and credit cards can provide working capital for short-term expenses, and they can also be used to fund longer-term growth projects. But which one is right for your b How to Decide Whether to Take Out Student Loans for an Apprenticeship 12/18/2018 07:00pm • Earlier this year, the U.S. Department of Labor announced $150 million in grants to support the national expansion of apprenticeships in key industry sectors. The grant program aims to increase apprenticeship opportunities for all Americans, including veterans, military spouses and underrepresented Va. Gov. Northam proposes $2B in new spending; GOP leaders question whether it adds up 12/18/2018 01:43pm • RICHMOND, Va. — From schools, roads and health care, to housing, elections and adding to the state's rainy day fund, Virginia Gov. Ralph Northam proposed more than $2 billion in budget amendments Tuesday, but the breadth of the plan drew immediate concerns from Republican leaders in the General As 20 financial New Year's resolutions for 2019 12/18/2018 09:00am • Resolve to do better next year. Nearly one-third of Americans plan to make a money resolution for 2019, according to a Fidelity Investments survey, with 48 percent of them planning to save more, 29 percent aiming to pay down debt and 15 percent aspiring to spend less. Looking to join their ranks? Should You Get a Balance Transfer Credit Card or Debt Consolidation Loan? 12/17/2018 07:00pm • The average American credit card holder carries a balance of more than $6,300, according to a 2017 report by credit bureau Experian. While some pay off their balance in full each month, roughly 44 percent of credit card holders carry a balance from month to month. Credit card debt can be expensive, 8 Ways to Overcome Financial Difficulties in Retirement 12/17/2018 07:00pm • Unexpected costs can affect your pocketbook at any point in your life. Financial surprises are an inevitability, especially as you age. Full-time earners can usually overcome financial difficulties as they continue to work. But retirees living from a limited income and finite nest egg may suffer mor How to Remove a Closed Account From Your Credit Report 12/16/2018 07:00pm • You might think closing a credit card or other account might remove it from your credit report automatically. But while closing an account prevents you from using it, that doesn't mean it disappears from your credit history. Credit reports include information for both open and closed accounts. As l What Is a Doctorate or a Doctoral Degree? 12/16/2018 07:00pm • In most academic disciplines, the most advanced degree one can earn is a doctorate. Doctorate degree-holders are typically regarded as authorities in their fields, and many note that a major reason for pursuing a doctorate is to increase a person's professional credibility and improve the quality o