The average American household has $15,325 in credit card debt, $147,924 in mortgage debt and $32,041 in student loan debt. How to pay your debt is important (visit artofthinkingsmart.com for more information), but which debt to pay off first is just as important if you are unable to pay off all of them at once.…

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Please click here to visit the original article on working with Debt Collectors. Dear Mr. Chang, I am writing to you in response to your Midweek article for August 7, 2013 titled “Dealing with Debt Collectors.” My goal isn’t to dispute what you have written, which was well done, rather to add some context regarding personal responsibility…

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The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the Fair Debt Collection Practices Act (FDCPA). If you have been behind on paying bills or, in some cases, records mistakenly show you are, you may have had to deal with…

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by Mandi Woodruff As if the promise of a $27,000 student debt load wasn’t enough to have college kids sweating in their cargo shorts, research shows that younger generations are becoming the most stressed out people in the country. In a telling infographic based on data from the American Psychological Association, the folks over at CollegeDegreeSearch.net take a look…

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A middle-income family will spend roughly $250,000 to raise a child. For higher earners, it shoots up to $500,000! This is a large investment for anyone, but as any parent will tell you, an important one. A recent survey showed that 75 percent of parents believe their kids are “a little spoiled.” It is easy…

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Your credit score is one of the most important numbers in your financial life. It plays a huge role in buying a house, a car, getting loans, credit cards and even, in some cases, a job! Your credit score is primarily made up of paying bills on time, credit history, credit mix, recent inquiries and…

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Many financially savvy people understand that how you spend money is more important than how much money you make. Here are some signs that you may be living beyond your means. Being aware of these signs can help you keep your financial goals and protect you in case of emergencies. You don’t have an emergency savings…

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