In the Media

What is an APR?In The Media Link

For Howard Dvorkin, CPA and chairman of, the best way to avoid all these credit card APRs is simple: “Don’t run a balance.”

Retail store card APRs hold steady despite Fed rate cutsIn The Media Link

High interest rates usually mean high-risk borrowers, and this is the reason store credit card APRs are so high, said Howard Dvorkin, CPA and chairman of the website

Should I open a high-yield savings account when interest rates are down?In The Media Link

Set—and stick—to a budget. This one may seem like a no-brainer, but according to a recent survey, 20% of Americans don’t use a budget.

Don’t let FOMO guilt you into overspending for holiday giftsIn The Media Link

Remind yourself, though the calendar year will change, the economy likely won’t. Don’t let the fear of missing out cause overspending,” says Howard Dvorkin, CPA and chairman of

This is going to bankrupt me’: Americans rack up $45B worth of medical debt in collectionsIn The Media Link

A separate survey during the pandemic shows that 56% of U.S. adults had medical debt sent to collections and nearly two-thirds owe under $5,000, while 5% owe more than $50,000, according to a survey conducted from June 17 to July 6.

What type of debt do Americans stress about?In The Media Link

“To reduce financial stress — especially in times like these — it’s best to do what traditionally works. Usually, some exercise and a better diet can start the process, but for people feeling especially overwhelmed, talking to someone or getting professional help is the best action they can take.”

15 Expert Financial Strategies For Seasonal BusinessesIn The Media Link

I experience this problem just as deeply as any holiday retailer but in reverse. I run a debt-solutions company, and no one wants to think about their student loans or credit cards from Halloween through New Year’s Eve. I look at these slow times as project time. You have time to improve your skills through training, and you can work ahead on next year’s calendar. – Howard Dvorkin,

5 Signs of an IRS Tax ScamIn The Media Link

When it comes to contacting taxpayers, the IRS will almost always use the U.S. Postal Service. “The IRS is old-fashioned,” says Howard Dvorkin, CPA and chairman of financial solutions website “You’ll get a letter first.”

Are you financially stressed right now? What to know about options, from debt negotiation to bankruptcyIn The Media Link

Howard Dvorkin, a certified public accountant who has studied the problem, feels that debt settlement companies have had an “especially bad reputation” in recent years, though he also noted that there are shady lawyers and incompetent nonprofits.

Personal FinanceIn The Media Link

According to’s 2020 survey, “I don’t hаve much income” wаs cited most often аs the reаson respondents didn’t use а budget.