Content tagged "financial security: consumer credit"

Student Loans

Personal Finance Updated: November 02, 2016

We have 10 fact sheets and resources to help students and parents understand student loans, identify other ways to pay for college, and manage student...

Cultural Differences in Handling Credit

Personal Finance Updated: April 04, 2016

Cultural Differences in Handling CreditBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduWhen it comes to decisions about...

Financial Security: Consumer Credit

Personal Finance Military Families Updated: October 21, 2015

Credit can be a successful financial management tool. Using credit allows you flexibility in managing your budget to purchase goods and services when they...

PowerPay

Personal Finance Updated: October 02, 2015

Welcome to PowerPay: PowerPay is a system designed to help you eliminate debt in the fastest possible way. PowerPay works when you are willing to:Total...

The Pros and Cons of Secured Credit Cards

Personal Finance Updated: September 30, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduSecured credit cards are a good way to establish credit if you have no...

What You Need to Know About Your Credit Report

Personal Finance Updated: September 30, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduRemember those report cards that told you (and your parents!) how you...

The High Cost of Credit Card Minimum Payments

Personal Finance Updated: September 30, 2015

The High Cost of Credit Card Minimum PaymentsBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduWhen it comes to managing...

How Much Consumer Debt is Too Much?

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThe term “consumer debt” refers to all types of non-mortgage debt...

How to Get Out of Debt and Repair Your Credit

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduGot outstanding loan balances and credit card debt? Do monthly payments...

Credit Scores: What You Need to Know

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduIf credit reports are like receiving a “report card” in school, credit...

Bankruptcy

Personal Finance Updated: September 28, 2015

Bankruptcy is a proceeding in a federal court in which a debtor who owes more than his or her assets can receive debt relief by transferring his or her...

Dealing With Collection Agencies

Personal Finance Updated: September 28, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduOutstanding credit accounts often go to collection agencies when people...

How to Select a Credit Card

Personal Finance Updated: March 06, 2012

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThe best way to select a credit card is to match it to your intended use...

Credit Card Rules for Young Adults

Personal Finance Updated: March 06, 2012

Credit Card Rules for Young AdultsBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.edu There was a time, up until February...

Credit Card Fees and Traps

Personal Finance Updated: March 06, 2012

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThere are two types of credit card fees: those that are charged to all...

Danger Signals of Excessive Debt

Personal Finance Updated: September 20, 2009

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.edu According to Webster’s Dictionary, debt is defined as “the state of...

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