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Financial Education for Everyone

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PMM Articles


Understanding interest rates can save you money

Unless you pay cash for everything, you’re impacted by interest – either as a lender or as a borrower. Understanding the different types of interest can give you a clearer picture of how your money accumulates and what things really cost...

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Youthful credit missteps can haunt you later

I don’t want to date myself, but when I went to college, tuition was much more affordable and it was nearly impossible for students to qualify for credit cards and car loans. What hasn’t changed since then, however, is that many...

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Senior discounts help the young at heart, too

My friend Carol recently turned 50. Along with birthday cards she also received an invitation to join the American Association of Retired Persons (AARP). After simmering down, Carol visited their Website, www.aarp.org, out of curiosity. In addition to health tips and...

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Choose the right type of mortgage for your needs

You'll likely face many major decisions to make when you're ready to take the homeownership plunge, not the least of which is choosing the right kind of mortgage for your needs. Mortgage options used to be fairly limited, but in recent...

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Putting your teenager’s cell phone to good use

Many American teenagers seem to have a cell phone permanently glued to their ear. With more than 200 million U.S. cell phones now in use, they’re clearly not going away, especially as cell phone manufacturers and service operators target younger audiences...

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Find the right job – right now

I know people who love their careers and can’t wait to go to work each day. And I know others who hate their jobs and feel underemployed, underpaid or overworked. No matter where you fall in that spectrum today, someday you...

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Take the pain out of car shopping

I’d rather get a root canal than go car shopping. How to choose among so many models, options and financing alternatives? But it’s worth a little homework to make sure you get a car you like and can truly afford; plus,...

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Resolve to pay down your debt in 2007

I’ve learned the hard way that although New Year’s resolutions can be a great way to make a fresh start, if you set unrealistic goals they’ll likely fizzle out after a few months. Sometimes small steps are the answer, building momentum...

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Don't let holiday shopping blow your budget

Now that the leftover turkey is gone, you’ve probably moved on to the next seasonal event – holiday Between gifts, entertaining and travel, many of us spend considerably more than we’d planned, let alone budgeted Add the inevitable 10-pound weight gain...

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Plan ahead to avoid financial 'baby blues'

Like most new parents, my wife and I felt a full range of emotions while she was pregnant: joy, relief, and anticipation combined with nervousness, anxiety, and downright fear. What we probably should have been sensing, in retrospect, was just how...

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Repair bad credit rating to avoid nasty surprises

Many people are so accustomed to frequent credit offers that when an application is denied, they’re shocked. Damaging credit report information or overextended borrowing are usually the culprits. Warning signals for debt problems may include: Making only minimum credit card payments or...

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