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Nerd Blog!

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a desk looking worriedly at a credit report on a computer screen with 'Delinquency' highlighted in red. The desk is cluttered with bills, a calculator, and a notepad, set in a simple home office with a bookshelf, clock, and plant in the background.

A delinquency on a credit report occurs when an account becomes past due because you missed a minimum payment by the due date. Missing a payment can have immediate effects, such as late fees, and if the payment goes 30 or more days past due, it can be reported as a delinquency to credit bureaus, …

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a desk with a worried expression. They are holding a credit card while looking at a computer screen displaying a warning about fraudulent activity. The desk is cluttered with documents, a phone, and a calculator, and the background features a bookshelf and a window, creating a home office setting.

Credit card fraud is one of the most prevalent types of financial fraud today. According to the Federal Trade Commission (FTC), there were over 214,000 reports of credit card fraud in the first half of 2024 alone. While many credit cards offer zero liability protection, meaning you won’t be held responsible for unauthorized transactions, dealing …

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a desk with a laptop showing an annuity purchase page. The person appears focused and thoughtful, holding a pen while reviewing financial documents and charts. The desk also has a coffee cup and a calculator. The background includes a bookshelf with financial books and a plant, creating a professional yet inviting atmosphere.

An annuity can be a valuable retirement planning tool, offering guaranteed income when you're no longer working. Some annuities even allow your premiums to grow tax-deferred. Understanding how to buy an annuity can help you make the most of this financial product. Here’s a closer look at what annuities are, how they work, and what …

A semi-realistic cartoony image of a person with short brown hair and glasses standing next to a rental car. The person looks thoughtful, holding an insurance policy document in one hand and a calendar marked with dates in the other. The background shows a parking lot with a few cars and a clear blue sky, conveying a bright and approachable atmosphere.

Dealing with car repairs after an accident can be stressful. One common concern is finding transportation while your vehicle is in the shop. If you have rental reimbursement coverage, your auto insurance may pay for a rental car after an accident for up to 30 days. However, not all insurance policies include rental reimbursement, and …

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a kitchen table surrounded by money-saving items like a piggy bank, calculator, coupons, and a notepad. The person has a thoughtful expression and is holding a lightbulb symbolizing new ideas. The background features a cozy kitchen with a fridge, potted plants, and a window letting in natural light

Your home is your castle, but sometimes it can feel more like a money pit. Fortunately, there are many ways to save money and reduce home-related expenses. From budgeting to reducing utility usage, making simple changes can lead to significant savings. Below are 20 practical ways to save money at home. Some require an upfront …

A semi-realistic cartoony image of a person with short brown hair and glasses, looking at a credit report on a computer screen with a concerned expression. The screen displays a red warning sign with the word 'Delinquency' highlighted. The desk is cluttered with bills, a calculator, and a notepad, and the background features a bookshelf, a clock on the wall, and a small plant, creating a home office setting.

Wondering, "What is a delinquency on a credit report?" A delinquency occurs when you fail to pay at least the minimum amount due on your account by the specified due date. Missing this payment can lead to immediate consequences, such as late fees. If the payment remains overdue for 30 days or more, it could …

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a desk with a worried expression. The computer screen in front of them shows a student loan application and a low credit score chart. The desk has papers, a pen, and a coffee cup. The background includes a bookshelf with textbooks, a diploma on the wall, and a plant, creating a balanced yet serious atmosphere.

Eager to pursue higher education but worried that bad credit might hold you back? Rest assured, having bad credit—typically defined as a FICO® Score of 579 or less—doesn’t automatically disqualify you from getting a student loan. In fact, there are options available to help you finance your education, even with less-than-perfect credit. How to Get …

A semi-realistic cartoony image of a person with short brown hair and glasses, smiling confidently while sitting at a table with a calculator, papers, and a house model. The person is pointing at a calendar with biweekly payments highlighted. The background shows a cozy living room with a sofa and a plant, creating a warm and positive atmosphere.

Many homeowners dream of paying off their mortgage early. One effective strategy is to make biweekly mortgage payments. By paying half your monthly mortgage every two weeks, you can potentially shave years off your loan and save thousands of dollars in interest. Before you adopt this strategy, it’s essential to check with your lender to …

A semi-realistic cartoony image of a person with short brown hair and glasses, sitting at a desk with a computer displaying a data breach warning. The person looks concerned, with documents and a smartphone on the desk. The background features a home office setting with a bookshelf and a plant, creating a serious but approachable atmosphere.

When a data breach occurs, confidential information, including consumer data, falls into the wrong hands. If you receive a notice that your information has been compromised, take swift action to secure your accounts and prevent fraud. Here’s what you should do after a data breach to protect yourself. 1. Stay Alert First, stay alert. If …