Nicholas Pell

Nicholas Pell is a freelance writer based in Southern California by way of Portland, OR and Providence, RI. He covers consumer credit, retirement, mortgages, debt management and frugal living.

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Happyfamily2 mslarge article
MAINst

You Can Still Find "No Money Down" Mortgages, But Are They Worth the Risk?

Many associate the 100 percent mortgage with the housing bubble. However, these products are still around; Are they right for you?...

Elderabuse mslarge1 article
MAINst

How to Spend Your Money in Retirement the Intelligent Way

Saving money for retirement is almost pointless if you don’t have a plan to spend it wisely....

Creditscore 1 article
MAINst

How Much Difference Does a Single Credit Score Point Make? More Than You Might Think

It's the three-digit number that can make or break your ability to get a home loan, an apartment or even a job. Here's what each point means....

Computer woman working front lead3 article
MAINst

Self-Employed Taxes: How to Handle the IRS on Your Own

Growing numbers of Americans are now self-employed, and that's presenting a small challenge this time of the year....

Homeimprovements article
MAINst

Easy Ways You Can Get Thousands More When You Put Your House on the Market

Not only is it possible for you to improve your home and get more money, it's probably a lot easier than you think....

Complaining 1223 article
MAINst

The Fine Art of Complaining to Customer Service and Getting What You Want

There's a finesse to getting what you want from customer service people....

Creditincrease 0319 article
MAINst

Will Asking for a Credit Increase Harm Your Credit -- Or Help It?

A credit increase can be a double-edge sword. So how do you know you're getting the right end?...

Medicalbills article
MAINst

Medical Bills Are Bankrupting America: Did You Know They Were Negotiable?

Even with Obamacare, some people just can't pay their medical bills. Here's how to bargain them down....

College savings with cap article
MAINst

Waiting Just a Few Years to Go To College Can Save You Tens of Thousands

Deferring the college experience might be the best way to save big bucks....

College savings with cap article
MAINst

Waiting Just a Few Years to Go To College Can Save You Tens of Thousands

Deferring the college experience might be the best way to save big bucks....

Excellentcreditreport article
MAINst

What Does a Truly Excellent Score Actually Get You? Not Much, It Turns Out

You'll be surprised when you find out where the benefits of good credit top out....

Excellentcreditreport article
MAINst

What Does a Truly Excellent Score Actually Get You? Not Much, It Turns Out

You'll be surprised when you find out where the benefits of good credit top out....

Creditreport article
MAINst

Your Credit Score Doesn't Mean Nearly As Much as What's Behind It

You are hyper-focused on the three-digit number that makes up your credit score. However, that's not all there is to how credit-worthy you are....

The boomswagglers article
LAweekly

10 More Country Artists You Need to Listen To

Apparently there are a lot of real country fans out there. So many, in fact, that we decided to do another list of ten contemporary artists with that timeless country sound. It’s not all Jason Aldean and songs that sound like Nickelback with an overproduced lap steel solo. For those......

Creditreportcover article
MAINst

A Secret History of Credit Scores: Who Determined What Matters and Why

Everyone is obsessed with his own credit score, the three-digit number that supposedly summarizes your credit-worthiness and overall financial responsibility. But where did the credit score come from?...