Author Profile: Kevin Yu

How to Slash Your Credit Costs by 75%

No matter what anyone tells you, interest costs are not your friend. In fact, interest is your enemy – it is not benign.  Every dollar you pay towards interest is a dollar you can’t use to build your financial foundation.  And every hour you work to pay your interest costs is an hour you spent working for someone else.  Get…

How Bank Loans Differ from Online “Alternative Loans”

Salt and pepper. Peas and carrots. Sonny and Cher. Loans and…banks, right? For most of the world, these two terms have always gone hand in hand. But if you’ve shopped around for a business loan lately, you may have seen the term “alternative loan” floating around. And if the biggest proponents of online alternative lending have their way, this new…

Introducing a 100% Free Credit Monitoring Tool from ReadyForZero

It’s a universal fact that your credit score can help you save thousands of dollars in interest when getting any type of loan. That’s why we’re pleased to announce a free credit monitoring tool to help you track your score. With this new feature, you’ll be able to manage the entire personal finance spectrum from one single web or mobile…

Investing for Beginners: 3 Easy Steps to Follow

When starting out investing, there is a lot of information out there that might make investing seem complicated. It really isn’t. In this post, I am going to walk you through 3 key steps to understand and implement when beginning investing. If you can keep these in mind, you will experience success as an investor.

Here’s Why Investors are Freaking Out Right Now

As you already know, the market just hit a pocket of fierce turbulence that’s sending investors into panic mode. In the past few hours since the market opened today, we’ve seen Apple back up $100 and many others trending back to their last closing price. All three major U.S. market indexes hit correction territory and the S&P 500 is seeing…

Citibank Gets Hit With $700M Fine for Deceptive Practices

If you were one of the 8.8 million consumers who enrolled in Citi’s identity theft and monitoring protection programs, you may be entitled to a refund. Recently, the CFPB slapped Citi with a hefty $700M fine for deceiving their customers. This is the second largest settlement in history, just $27M shy of Bank of America’s settlement in 2014 which was very…

5 Benefits to Combining Finances with Your Significant Other 

About 6 months ago my then girlfriend (now fiancé) and I bought a house together. Realizing this was a major financial decision we also decided to combine our finances. While we had been pretty open about money with each other up to that point, actually sitting down and going over all of our expenses was a different level of openness….

How to Find a Reputable Secured Credit Card to Rebuild Credit

We get it. We all make mistakes in the past and now we’re in a frantic rush to rebuild our credit scores. The days of having thousands of dollars in credit limit is over and now it seems impossible to even get approved for a credit card. Luckily there are credit cards designed specifically to help people rebuild their credit…

Founders Story with Kai from True Link Financial

Kai is one of the founders of True Link Financial. True Link Financial protects seniors from becoming victims of fraud, identity theft, and scams by providing financial tools for olders adults and their families. RFZ: Can you tell us a little background about how you decided to start True Link Financial?? Kai: I was a startup guy out here in California and…