The invention of text messaging – and particularly, the widespread adoption of cellular data plans that allow for unlimited texting – has been a real boon for the honest and law-abiding citizen. Text messages, also known as Short Message Service (SMS), provide tremendous convenience for today’s busy people. They let us alert loved ones that

Few things in an American consumer’s life are as critical to their financial environment as their credit score – yet relatively few of us understand how the scores work, how the credit agencies calculate the scores, or even what number constitutes a “good” score. Let’s examine the credit score system and shine some light onto

If you have money in your savings account or on deposit in a share certificate with your Credit Union, you may qualify for a share pledge loan. These loans are beautifully simple: you use the money on deposit in your account as collateral for the loan you wish to take out from the Credit Union.