The credit card bubble
It's only a matter of time before it bursts.
How Does Payment History Affect Credit Scores?
Payment history on credit accounts is the single biggest factor that contributes to your credit scores. In fact, 35% of credit scoring inputs are based on your payment histories.
Length of Revolving Credit History is Too Short
New plastic will not help your credit scores.
Differences Between Credit Reporting Agencies
You can get scores from all three, so how are they different?
Amount Owed on Revolving Accounts is Too High
The penalties for maxing out cards are severe.
Debit Card vs. Credit Card
Although the two can be used interchangeably, there are notable differences between them that should be kept in mind.
Loans to Wipe Out Credit Card Debt
June Walbert, a certified financial practitioner, provides advice on taking on new loans to pay off credit card debt.
PNC Financial Overdraft Fee Settlement
This summer, PNC decided to settle the lawsuit by paying 90 million dollars.
Building wealth through saving increases financial security
You need to start early to understand its importance.
Home equity loan sources: How does each compare?
Here are the places you can get one, as well as some pros and cons.

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Stephen-Padgett.jpgStephen Padgett is a current junior at the University of North Carolina at Chapel Hill. He is working toward a BA in Economics and Political Science and plans on graduating early in December of 2012. Although he does not know what he wants to do for his career, he is looking forward to an opportunity with Credit Suisse’s Operations Team this summer in Raleigh.

Financially Stephen grew up in a family that preached saving and living below your means. That, in part, translated to his interest in Economics, especially how economics can affect individuals’ financial lives. Through his financial markets class in the fall of 2011, he furthered this interest by analyzing macroeconomic events. Stephen believes that finance, personal finance in particular, is a subject severely left out when it comes to public schooling in this country, and it is a problem that has manifested itself and contributed to many of the problems seen today. He also believes that education is the key to improvement and hopes that through his writings he will be able help people learn about finance, macroeconomics, and how to be financially savvy for the future.

In his free time Stephen enjoys playing and watching sports, wakeboarding, sailing, and country music. At UNC he has participated in Strive for College, UNC Dance Marathon, and UNC Relay for Life.