Author: C.M. Lenard

How Credit Card Debt is Crippling Americans Credit card debt can be a challenge for many Americans, but it can also present an opportunity to reach financial goals. Managed correctly, credit card debt can be advantageous in improving credit ratings, paying for unforeseen costs, and even investing in new business ventures. A report from the […]

Are you a newbie investor who wants to learn how to buy stocks? If you take the time to do your research before diving into the market, you stand a better chance of making fruitful investments. For beginners, we recommend buying stocks online because the process is more straightforward, intuitive, and accessible. It’s just downright […]

How Much Should I Have in Savings? From unexpected disasters to saving up for a dream vacation or home, a savings account is something everyone should have.  However, savings can be scary. Depending on your age, you may be thinking, “what if I don’t have enough? What will I do if something happens and I […]

If you’re wondering what life insurance is and how it can benefit you in real terms, you’re not alone. The jargon and arcane policy details can make researching life insurance seem like a daunting task, but it doesn’t have to be. In this article, we aim to answer some of the most frequently asked questions […]

You may have heard the horror stories of identity theft and fraud from your family and friends. It’s never fun to have your personal data taken and used without your consent. This type of theft often ends with significant headaches and could cause years of repairing your credit. But there is a way to protect […]

Opening a bank account for the first time can seem daunting. If you open the account in person, a banker is there to help you through the process. But you may or may not understand what you are agreeing to when you fill out the forms needed.  If you sign up for a bank account […]

As the battle over student loan forgiveness rages on in Congress and the White House, borrowers anxiously await some semblance of clarity from the Capitol. Progressives, moderate Democrats, and the current administration have lobbed financial figures and proposed plans over Capitol Hill like so many artillery shells, leaving student loan borrowers questioning whether it’s all […]

Most people who are looking for a 609 dispute letter template already have an idea of what it is, but for those who don’t, or those who want to learn about how the letter works, we’ve got you covered, including a template for your disputes, but don’t send it out without understanding what it means. […]

You may have been told that paying off your credit card in full is a good thing to do, or maybe you were told that you shouldn’t pay it off in full because having a balance helps your credit. The truth is neither is right or wrong, depending on your situation. Let’s say that you have […]

Owing money can be an absolute nightmare for many people and, in some cases, can cause physical and mental health issues. Getting harassing calls from creditors can be extremely stressful for most people, as many of these creditors can make threats, call at different times of the day, causing you to wake up early or lose […]