Dear Penny: My parents want me to go back to school. Are they right?

I am a 26-year-old single male. My issue may be a little different from a typical millennial. I have a four-year college degree in music performance, and my passion is for music composition. I have not been able to get work in my field, but I have full-time employment at $11 an hour. I am financially secure with my own condo, paid-off car, no student loans or other debts. I have a savings account with $23,000, and I opened a 401(k) in my current job and put aside 5% (no company match). My par

Credit Scores 101

Welcome to TPH Academy: Credit Scores 101. In this course, you will learn the ins and outs of credit scores — what they are, why they’re important, how to check yours and even how to improve them. Your credit score determines a variety of things — from whether you can rent an apartment or buy a house to how much interest you’ll pay on credit cards. Taking charge of your credit score is a must when it comes to financial freedom. By the end of this course, you’ll know how to make it happen. A c