Finance

buying a new car
HOTTOPIC

Low Interest Auto Financing Might Not Be The Best Deal If There Are Other Incentives Available

Buying a car? Don't fall for low interest 'teaser' rates. Most low interest auto loan rates are nothing more than gimmicks to get you into the dealership, where you get hit with high pressure sales tactics.

credit card close up
HOTTOPIC

How Late Can You Make a Payment Before It Goes on Your Credit Report?

Most people know that late payments affect their credit. However, few know exactly when late payments will go onto their credit reports and when they will hurt their credit scores.

mandatory arbitration contract agreement
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Mandatory Arbitration Clauses Are Everywhere But Aren't Good For The Consumer

You may have heard of arbitration, but you may not know what it means. Arbitration is another method of resolving disputes where parties present their sides of a complaint to an independent person.

Lecture Hall
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Did You Know that You Can Negotiate College Tuition? Here's How to Do It

The cost of a higher education often prevents many people from trying to get one. What most people don't know is that the financial aid offer they receive from schools is not the last word—tuition is negotiable.

behind on car loan
HOTTOPIC

Behind on Your Auto Loan: Tips to Get You on the Road to On-Time Payments Again

Are you behind on your loan payments? You're not alone. According to the CFPB, about 6 million people in the U.S. were at least 90 days behind on their auto loan payments near the end of 2016.

Credit Card
HOTTOPIC

Planning a Trip Outside Country? Here's What You Need to Know about Credit Cards

If you're planning to take a trip out of the country, your credit cards may not be at the top of your list of things to consider. If you're not careful, however, you can rack up more fees and charges than you meant to, putting a damper on your trip.

Gift Cards
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Were You Given Any Unwanted Gift Cards Lately? Here's How to Cash In on Them

Gift cards are the perfect go-to gift for the people in your life whom you don't know well or who are particular in what they buy. But what happens when you get a card to a store you never go to or that you can't use?

Desk
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How to Give Your Budget (and Yourself) Breathing Room When Paying Bills

Many Americans are living paycheck-to-paycheck, including some who earn six figures. This can make it hard to both pay bills on time and still have money left over. Fortunately, there are some steps that can give you—and your budget—a bit of breathing room when it comes to paying bills.

Bills
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Feel Like You're Drowning in Credit Card Debt? Here's How to Get and Keep Control of Your Finances

If you decide to try to get your finances in order this year, it may take some trial and error. Keep in mind that you have not failed if one method doesn't work. You simply need to try a different approach.

Credit Cards
HOTTOPIC

Want to Help Your College-Bound Child Obtain a Credit Card? Weigh the Risks and Benefits

It is still possible for unemployed young adults to obtain a card, but they will need the help of their parents to do it. Although wary parents may question the wisdom of such an act, helping their child to get a card may have several benefits.

Online Shopping
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You Have Protections When It Comes to Cancelling Recurring Payments and Associated Subscriptions

Convenience is the driving force behind many aspects of modern life. Automatic billing is a great thing for busy schedules. But sometimes preferences change and you no longer wish to have a payment drafted automatically. You do have protections when you want to cancel automatic payments and subscriptions.

Credit Card
HOTTOPIC

There Are Dozens of Credit Scoring Models Used in the Credit Industry and Each One Gives a Different Credit Score

There are a number of different credit scoring models and they vary from one place to another. So it's important to realize that the credit score you see, whether it be from one of the major credit reporting agencies or from your credit card company, isn't necessarily the score that's used for your credit decisions.

casual dining
HOTTOPIC

To Tip or Not to Tip: Etiquette and the Service Sector

Tipping is one of the things that's a no-brainer for some people and a source of instant anxiety for others. When is it right to tip and when should you just take your stuff and go?

gift cards
HOTTOPIC

Get the Most Out of All Those Holiday Gift Cards Before They Go to Waste

If all those gift cards you got for the holidays are still burning a hole in your pocket, stop procrastinating and get to the store or get online to spend them before they lose value or expire like so many gift cards do!

using an iPhone
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Use Mobile Banking? Follow These Tips to Keep Yourself and Your Information Safe

Mobile banking is extremely convenient for most people, but it can also leave you wide open to hacking and identity theft if you aren't careful. Follow these tips to help keep your information safe!

cash money
HOTTOPIC

Are You Allowed to Use Money that is Mistakenly Deposited into Your Bank Account?

Have you ever noticed that your bank account somehow had 'extra' money in it even though you knew for a fact it wasn't yours? No. We haven't, either. Many of us dream about this type of scenario.

cell phone in hand
HOTTOPIC

What Exactly Are Those Mystery Fees That Show Up on Your Monthly Phone Bill?

Whether your phone is wireless or a landline, you know that you'll be getting a bill every month. What you may not know is what all the fees and charges listed on the bill actually mean.

free credit report
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You Get Free Credits Reports Every Year Without Having to Sign Up for Special Services

You hear the term "free credit report" is thrown around loosely in marketing. But they are rarely free, often requiring you to enroll for other services. But you do have a truly free credit report option available to you.

credit card
HOTTOPIC

The Fair Credit Reporting Act Guarantees You a Number of Different Rights and Protections

You might already know that you have a right to a free annual credit report from each of the three major credit bureaus. But a federal law, the Fair Credit Reporting Act gives you additional rights and protections.

Open Sign
HOTTOPIC

Going Shopping? Save Money Using These Tips That Stores Don't Tell You About

Bargain hunters already save money regularly by cutting coupons and shopping during sales. But there are many other ways you can save money when shopping that the stores don't tell you. Combining these shopping strategies with coupons and sales can help you save as much as possible!

Buying a car with bad credit
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There Are a Bunch of Things You Shouldn't Do if You Are Buying a Car With Bad Credit

We know that not everyone has great credit. Some of us even have really bad credit. If you are one of the unlucky people with bad credit and you're looking for a car, there are some things you should never do.

Your Credit History and Credit Score Can Raise or Lower Your Insurance Rates
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Your Credit History and Credit Score Can Raise or Lower Your Insurance Rates

You know that your credit history affects the price you pay for new credit, such as mortgages, car loans and credit cards. But your credit history also has a direct effect on the price you pay for car insurance.

Car Door Handle
HOTTOPIC

Title Loans Are Never a Good Option if You Need Quick Cash

Some lenders advertise short-term loans, called title loans, that use the collateral of your car. It's similar to a home equity loan, only a title loan can be much riskier and cost you a significant amount of interest charges. It can even cost you the car itself!

storm
HOTTOPIC

Rebuilding Your Personal Finances after a Disaster

After a disaster and as help arrives and rebuilding begins, it is important to take smart and decisive steps to start putting your life and finances back together.

Have You Lost Your Credit or Debit Card But Then Found It? Cancel It Anyway
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Have You Lost Your Credit or Debit Card But Then Found It? Cancel It Anyway!

Have you ever lost your wallet or purse? Or maybe given your credit or debit card to a cashier only to walk away without it? Well, you're not alone. It's happened to pretty much everyone at one time or another.

car dealer
HOTTOPIC

Consumers Beware: Don't Let Car Dealers Take You In with a Yo-Yo Auto Sale Scam

You've finally filled out all the paperwork for a new or used car and drive it off the lot in triumph. Then, only a few hours (or days or weeks) later, the dealer calls and says that you have to return the car.

student loans
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Different Student Loans Have Different Considerations That Should Be Reviewed Before You Commit

When it's time to get a student loan, you might be so excited to have a solid loan offer than you accept it right away. But you should always do your research first as there are many types of students loans.

Car Door Handle
HOTTOPIC

Beware of Graduated Payment Plans When You Buy Your Next Car

Through a variety of ads and paid programming, some dealers will advertise vehicles that can be purchased with no money down and exceptionally low monthly payments that quickly skyrocket.

Credit Cards
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Avoid These Balance Transfer Card Traps That Can Increase Your Debt

When used correctly, balance transfer cards can help you get out of debt faster. If you're not careful, however, they can put you further in the hole.

hundred dollar bill
HOTTOPIC

From Closing Costs to Junk Mortgage Fees: What to Know When Purchasing Real Estate

Most people have relatively few opportunities to learn the ins and outs of purchasing and selling real estate. Between the viewings, inspections, and paperwork, the process can be confusing.

class action lawsuit legal books
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Class Action Lawsuits Sound Like a Good Thing, But They Aren't Always That Great For You

In a class action lawsuit, one or several people file a single lawsuit on behalf of a much larger group of people, which is called the class. This class of people have the same or very similar legal claim.

Back-to-School shopping tips
HOTTOPIC

Tips for Shopping Smartly and Safely This Back-to-School Season

It's that time! All across North Carolina and beyond, parents, students, and teachers are preparing for the beginning of a new school year—which means stocking up on all the necessary school supplies.

TV on Wall
HOTTOPIC

Refurbished Products: Should You Spend the Extra Money for Brand New?

Electronics items are hot sellers when it comes to refurbished merchandise. But many consumers have questions as to whether this type of product is truly worth the often significantly lower price tag.