Howard Dvorkin is recognized as a consumer finance expert in the industry. As such, he regularly speaks to major media outlets and news networks about consumer finance. Browse Howard’s latest contributions here to see what Howard has to say about today’s top personal finance news topics. Or, if you’d like to quote Howard in an upcoming piece you’re working on or conduct a full interview, please email

What is an APR?
By: Mayra Paris
October 13, 2020
The Annual Percentage Rate (APR) is a measure of how much it will cost you to borrow money. APR is used for credit cards and loans of all kinds, and it combines the interest you will pay throughout the year plus any fees, expressed as a percentage of your principal loan amount. APRs are useful when it comes to comparing offers from different lenders.
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Stolen Data Not Fetching Much Cash on Dark Web, Reports Show
By: Nora Macaluso
October 8, 2020
|Digital Privacy
It’s common knowledge that the costs, in time and in money, associated with having one’s personal information stolen can be devastating. Perhaps what’s surprising is how little that information brings when it’s sold: in many cases, next to nothing, according to companies that track prices on the dark web.
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While the Federal Reserve Keeps Interest Rates Near Zero, Retail Store Credit Cards Charge High Rates
By: Palash Ghosh
October 5, 2020
|International Business Times
Despite historically low interest rates from the Federal Reserve, many retail store credit cards still charge inordinately high annual percentage rates, or APRs.
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Don't let FOMO guilt you into overspending for holiday gifts
By: Sheryl Nance-Nash
September 30, 2020
Nothing has been normal about 2020. The holidays will be different too. With financial uncertainty, qualms about traveling and the coronavirus still ever present, should you change your approach to the holidays?
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Tuesday Town Hall Segment Three: Student Loan Debt
September 22, 2020
Howard Dvorkin, chairman of and a personal finance expert, talks about college loan debt.
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15 Expert Financial Strategies For Seasonal Businesses
By: Forbes Council
September 10, 2020
When the majority of your sales occur in a small window of time, you need a strong budget and operational strategy to keep yourself afloat during the off-season. To help, we asked a panel of Forbes Finance Council members how they recommend managing seasonal sales cycles.
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