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Erik Folgate

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Erik and his wife, Lindzee, live in Orlando, Florida with a baby boy on the way. Erik works as an account manager for a marketing company, and considers counseling friends, family and the readers of Money Crashers his personal ministry to others. Erik became passionate about personal finance and helping others make wise financial decisions after racking up over $20k in credit card and student loan debt within the first two years of college.
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5 Best Productivity Apps for the iPhone

My wife loves to make fun of my love for technology. I try to limit it to a minimum, but with the emergence of the iPhone, Internet television, social networking, tablet computers like the...
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4 Free Social Media Marketing Sites for Local Small Businesses

As a small business owner, you probably have a Facebook page and a Twitter account, but that doesn't mean you're effectively using social media for marketing. If you're still skeptical about how social media...
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How to Effectively Use a Facebook Page for Business Marketing

It seems like everyone from the age of 21 to 35 is a social media marketing expert these days. I swear that every other person's Twitter bio says they're some sort of Internet marketing...
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Debit & Credit Card Skimming Fraud – How to Avoid Card Skimming Devices

I can vividly remember the day last summer when my wife and I were walking into a movie at the theater when I received a phone call from an unknown number. I decided to listen...

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I'm not the typical iPhone user. My phone isn't wrapped in plastic with six inches of rubber encasing it. In fact, it was going completely "naked" until just recently, when I gave in and...

Mac App Store Review – Will You Spend More or Less Money on Software?

Apple has revolutionized the way we think about technology and how we interact with personal computers. If you're a Mac user, gone are the days when you had to physically buy software at the...
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The New Credit Card Law Fees Of 2010 Take Advantage Of Customers

I've told you once and I'll tell you again, playing with credit cards is like playing with snakes. The more you play with them, the more you have the chance of getting bitten. Everyone...
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Friends and Family Moving In Together To Save Money

I read an article today on USA Today about friends and family moving in together to save money during the rough economic times. It got me thinking whether this trend is because the economy...

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One of the most important aspects of running a small business is to keep an organized office. With a small operation, there typically isn't a lot of money in the budget to put into...
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What To Expect At Your Company’s Benefits Open Enrollment

Most of your companies will be holding their open enrollment period this fall and the beginning of 2011 for your health and retirement benefits. With the recent health care reform changes, health insurance premiums...
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How To Respond To Unauthorized Transactions In Your Bank Account

This past weekend, for the first time in my adult life, I was the victim of identity theft. We were walking into the movie theater about to sit down for a movie, and I...
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We ALWAYS notice when something gets more expensive, but do we notice it when prices fall? We should, because the prices probably won't be falling forever, so you need to take advantage of falling...