When major media outlets need the perspective of a personal finance expert, they call Howard.
By: Emily Hayes | Source: US News & World Report
“That’s because lenders love it when you regularly pay off what you owe. So your credit score reflects that in something called credit utilization ratio,” “Credit utilization ratio is just a fancy way of asking, ‘How much of your available credit are you actually using?’ It’s such a big deal it represents 30% of your credit score.”
By: Daniel de Visé | Source: USA Today
“This one was a little shocking,” said Howard Dvorkin, chairman of Debt.com. “And it kind of makes sense.”
By: Ben Luthi | Source: US News & World Report
“These requirements are fairly standard among all credit card companies,”
By: Aly J Yale | Source: Money Watch – CBS News
“Credit card issuers are some of the most nervous corporations in the world,” “They loathe uncertainty, and we’re neck-deep in that right now. I expect nothing to change very much for a long time.”
By: Amy Boyington | Source: Credible
“If someone is struggling just to make minimum payments on their credit cards, then a loan solves nothing. It just delays the inevitable financial crash.” “If you’ve successfully emerged from debt consolidation, you don’t want to undo everything you just accomplished,” “Never use a credit card to spend money you don’t have. Consider your plastic as a cash replacement, not a floating loan.”
By: Forbes Finance Council | Source: Forbes
The signal-to-noise ratio is highest during the holidays, so a big spend on brand awareness won’t travel nearly as far. Unless your only busy season is the holiday season, spend just enough not to lose awareness among your competitors. Then ramp it up later when prices are cheaper and the market is quieter. Create your own brand awareness season with sales and education during the rest of the year.
By: Saundra Latham | Source: Cheapism
“If I had a dime for every time one of my clients asked me, ‘Should I buy silver or gold during a recession?’ I still wouldn’t buy or invest in silver or gold. Precious metals do skyrocket in value during recessions, but silver and gold don’t help you when you have bills to pay,”
By: Cassidy Horton | Source: AOL
“Nearly two-thirds of your credit score is determined by just two factors: payment history and how much you owe,” says Howard Dvorkin, CPA and chairman of Debt.com.
By: Declan Gallagher | Source: Men’s Journal
“Couples will talk about everything from where to live to how many kids to have—but too many still avoid talking about money,” “When credit card debt goes unaddressed, it doesn’t just strain a budget—it strains a marriage. Our survey shows younger generations are paying the highest price for staying silent.”
By: Gina Freeman | Source: U.S. News and World Report
“‘Learn about the government program the government doesn’t want you to know about!’ Why would the government create a program to help people and then keep it a secret? Avoid companies making such outlandish promises,”
By: Natalie Campisi | Source: Forbes
“Lenders are jittery people. They live with the constant worry that their customers won’t pay them back,” says Howard Dvorkin, certified public accountant (CPA) and chairperson of Debt.com
By: Gabrielle Olya | Source: GOBankingRates
“The internet is a great tool to find information — the problem is most people don’t know how to use the tool correctly when it comes to financial advice,”