How do I know if I should be considering bankruptcy? My spouse and I have somewhere around $15,000 in credit card debt, and we each have student loans. Between rent, bills (utilities and such), card payments, student loans, gas, groceries, etc. we are getting by paycheck to paycheck. Most bills are ...

Good to know: Credit card verification systems will NOT accept a sketch of cock & balls as your signature....

Filed under: Misc. Gadgets The RFID hacks keep coming fast and furious -- hot the heels of that Mifare / Oyster Card exploit, the crew at BoingBoing TV has posted up a little demo of how easy cracking the RFID encryption on an American Express card can be. All it takes is an $8 dollar reader easily ...

Click here to visit my cam and chat room. I asked a friend about her plans for the day. She replied and then emailed this: " I think I’m gonna just blow everything off and get on my cam so I can spend the rest of my day interacting with the non three-dimentional world as I revel in their ...

My sister and her husband are in serious debt. My wife and I are going to act as their financial advisors to help them get it together. Can anyone recommend any programs/products we can look into? My wife is a financial genius and helped me get out of severe debt when we met. We need to do the same ...

My fiancé and I are considering getting a joint credit card and I had a few questions about it. Background: Engaged to be married, living together and all finances are joint (with the exception of assets in existence before we moved in together six months ago). We have four credit cards between us,...

Filed under: Getting started, Comfort Zone Investing Ted Allrich is the founder of The Online Investor and author of Comfort Zone Investing: Build Wealth And Sleep Well At Night . In this weekly column, he offers advice to investors who are just getting started. A new year always holds great promise...

Filed under: Bad news, Consumer experience, Personal finance With consumer credit tightening this year in the fallout from subprime mortgage meltdown, are more Americans falling behind on their credit card payments? Yes they are, as the "cash machine" mentality many consumers isn't jiving with the "...

Filed under: Business, Teenager, Internet, Stores and shopping It seems that the ingenuity of kids wanting to get around the rules is still alive and well. Whatever new technology comes along, kids will put it to use to get into trouble. Take pre-paid "credit cards", for example. Sometimes called "c...