If credit cards were human, they would be bipolar. On the one hand they are convenient sources of free short-term (30 days) credit. They allow you the convenience of buying without cash, and lets you earn rewards for purchasing stuff you would have bought anyway. On the other hand, they can be twisted enablers that push desperate, or weak (or both) people into an endless cycle of debt.

Market corrections are like earthquakes in California. Everybody knows they are going to happen but nobody can predict when or where they will occur.

Your credit report has a huge impact on your financial life. A good credit score will give you access to the best terms and rates when applying for loans and credit cards. If you have a bad credit score you may not qualify for loans with mainstream lenders,  your insurance premiums may be higher, you could miss out on career opportunities and you’ll struggle to rent an apartment. It’s no secret that improving your credit can make for a happier, healthier financial life.

“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” – Will Durant

Conventional wisdom: you should only pay insurance coverage for significant potential losses that would represent a serious financial hardship. Most people need insurance on their home but not on a phone. Replacing a phone is annoying but, unlike losing a home, wouldn’t represent a financial catastrophe for most of us.

Labor Day weekend is a bittersweet holiday. Since it was first celebrated, it has been a weekend for friends and families to get together, relax and have fun. But it’s also the unofficial end of summer, which can make Labor Day a reminder of how fast summer went by and all the things you hoped to do but weren’t able to fit in.

When it comes to paying off credit card bills, there are so many options and conflicting advice floating around it’s no wonder so many people make such expensive mistakes.

How much would you pay to get a one-on-one meeting with the best stock picker in living memory and ask him for advice on how to invest for your retirement?

There are few things as awkward and painful as asking for a favor, particularly when you really need the help and you’re rejected. So, if you are in the uncomfortable position of having to ask for help, you might as well maximize your chance of success.

Student credit cards are often the first step towards establishing your credit history. Getting your first student credit card can be tricky, as it often ends up being a catch 22 situation, having to establish your credit to be eligible for a credit card. In this article, we’ll take a look at some of the best student credit cards out there today.