Thursday’s need-to-know money news

Today’s top story: Plug in 3 numbers to plan your financial future. Also in the news: 10 questions to ask a financial advisor, how to stop scammers from stealing your down payment, and shopping around for car loans.

Plug in 3 Numbers to Plan Your Financial Future
A retirement calculator can help.

10 Questions to Ask a Financial Advisor
Finding the best match.

Stop Scammers From Stealing Your Down Payment

Don’t Forget, You Can Shop Around for Car Loans
You don’t have to accept the first offer.

Tuesday’s need-to-know money news

Today’s top story: The scariest thing to find on your credit report. Also in the news: How to spend your day when you’re unemployed, advocates praise student loan scam crackdown, and how to get your student loans back on course.

The Scariest Thing to Find on Your Credit Reports
Beware of surprises.

How to Spend Your Day When You’re Unemployed
Getting off the couch is a good start.

Advocates Praise Student Loan Scam Crackdown, Demand More
The tip of the iceberg.

Ask Brianna: How do I get my student loans back on course?
Course correction.

Wednesday’s need-to-know money news

Today’s top story: Want to graduate with minimal debt? Choose the right college. Also in the news: How to budget, save, and even win money with today’s prepaid debit cards, 5 key facts about earthquakes and insurance, and hackers are stealing home buyers’ down payments.

Want to Graduate With Minimal Debt? Choose the Right College
Comparison shopping.

Budget, Save, Even Win Money With Today’s Prepaid Debit Cards
Getting your spending in order.

5 Key Facts About Earthquakes and Insurance
Important information.

Hackers stealing home buyers’ down payments
Targeting hopes and dreams.

Q&A: Watch out for shady companies promising to help you repay student loans

Dear Liz: I’m 32 and have a little over $100,000 in student debt from undergraduate and graduate school. I’m trying to get my professional life on track, and I can’t figure out how to pay the loans off. Everything I see online seems shady. What are the questions I need to be asking myself? What are the things I should be searching for on the Internet to help me get control of my financial situation?

Answer: “Shady” is exactly the right word to describe many of the companies promising student loan debt relief. They’re making false promises and charging troubled borrowers fat fees for government help that’s available for free. Many of these outfits get disciplined in one state, only to pop up in another.

If you’re struggling to pay federal student loans, you have several options for making the payments more manageable. You can research income-based repayment programs at StudentLoans.gov. Private student loans don’t have the same consumer protections or numerous repayment options, but you can contact your lenders directly to see what they offer.

The amount of debt you have is large but not insurmountable, especially if it qualified you for a well-paying job.

You don’t have to rush to pay off the federal student loans because those offer low, fixed rates, but you may want to prioritize paying off variable-rate private loans.

Also, don’t let your concern about your debt prevent you from saving for retirement. That, too, will be expensive, and the longer you wait to contribute to a retirement fund, the harder it will be to catch up.

Wednesday’s need-to-know money news

Today’s top story: Don’t get taken by government grant scams. Also in the news: When you should and shouldn’t tap your Roth IRA, using your credit cards to pay for child care, and a report that finds many American teens lack basic financial skills.

Don’t Get Taken by Government Grant Scams
The government doesn’t want to give you money.

When You Should — and Shouldn’t — Tap Your Roth IRA
Let your interest rate be your guide.

Should You Use Credit Cards to Pay for Child Care?
Depends on the card.

Report finds many American teens lack basic financial skills
Not a good sign.

Wednesday’s need-to-know money news

Today’s top story: The high cost of bad credit. Also in the news: 5 tips to finding a cheaper flight, auto-paying bills by credit card, and United States workers are losing out on billions of dollars in pay.

How Costly Is Bad Credit? Many Don’t Know, Survey Shows
Ignorance isn’t bliss.

5 Tips to Find a Cheap Flight
Saving a little extra.

Auto-Paying Bills by Credit Card: Help or Hassle? Yes.
It can be both.

Every year, U.S. workers lose out on billions in pay
Getting what you deserve.

Monday’s need-to-know money news

Today’s top story: How credit card bonuses got so big and hard to grab. Also in the news: VA Loan eligibility and requirements for 2017, how to detect scams that could ruin your retirement, and 10 numbers that may make or break your retirement.

How Credit Card Bonuses Got So Big and Hard to Grab
And you thought blackout dates were bad.

VA Loan Eligibility and Requirements for 2017
What you need to know.

How to Detect Scams That Could Ruin Your Retirement
Don’t put your savings at risk.

10 numbers that can make or break your retirement
Focus on the important ones.

Tuesday’s need-to-know money news

Today’s top story: How to dodge scams and time-wasters in the online job market. Also in the news: Credit card bonuses are drifting further away, how job hopping can hurt Millennials in retirement, and how to fraud-proof your retirement savings.

Online Jobs: How to Dodge Scams and Time-Wasters
Don’t get taken for a ride.

As Credit Card Bonuses Balloon, They Drift Further Away
Bigger isn’t necessarily better in this case.

Job Hopping Can Hurt Millennials in Retirement
The 401(k) game.

6 ways to fraud-proof your retirement savings
Protecting your savings.

Thursday’s need-to-know money news

Today’s top story: Only 1 in 10 Americans are at Peak Financial Health. Also in the news: How to dodge stock market scams, when a tax refund means bankruptcy, and millennial parents face the reality of baby costs.

Only 1 in 10 Americans at Peak Financial Health
Where Americans are falling short.

How to Dodge Stock Market Scams
Protecting your investments.

When a Tax Refund Means Bankruptcy
Using a refund as a budget tool or a chance at a fresh start.

Millennial parents face the reality of baby costs
Babies are both adorable and expensive.

Thursday’s need-to-know money news

Today’s top story: Don’t skip life insurance because of cost when having a baby. Also in the news: Wells Fargo could owe you money, crooks are targeting ATMs, and what you need to know about special needs financial planning.

Having a Baby? Don’t Skip Life Insurance Because of Cost
The sooner the better.

$110 Million Wells Fargo Payout Could Put Money in Your Pocket
If you got caught up in the fake fees scam, it’s time to get your money back.

Better Check Your Balance: Crooks Targeting ATMs
The return of the skimmers.

What to Know About Special Needs Financial Planning
Preparing for the unknown.