Browsing: Understanding

Debt collectors are known to be pushy. Fortunately, the Fair Debt Collection Practices Act (FDCPA) gives you tools to make sure that you only pay what…

This is the second in a series of columns explaining Medicare and how enrolling in Medicare can minimize and most likely eliminate a federal retiree’s out-of-pocket…

Student loan consolidation is often confused with general debt consolidation, but the two are not the same. Debt consolidation usually refers to combining multiple debts, such…

How much student loan debt is in the U.S.? The answer might surprise you. Outstanding student loan debt (including both federal and private student loans) currently…

Roth IRAs and Roth 401(k)s offer powerful tax advantages, especially for those aiming to retire early. But the IRS 5-year rules attached to these accounts can…

At Boldin, we’re committed to helping you make smart, confident financial decisions. One of the key tools we use to support that goal is a Monte…

When it comes to credit card use, most people fall into one of two groups: transactors or revolvers. These terms are used by credit card companies…

Retirement plan rollovers are an important part of a federal employee’s overall retirement savings. This is especially true for a federal employee or retiree who owns…

Borrowing money is something many people do at some point—whether it’s to cover an emergency, combine other debts, or pay for a big life event. Loans…

When you use a credit card, the term APR (annual percentage rate) plays a crucial role in determining the cost of borrowing.   Understanding your APR can…