All articles by Drahcir Semaj

  1. You Lost Your Debit Card -- How Much Do You Pay? by Drahcir Semaj

    You stop at the grocery store for just a few items, but the next thing you know, you have a cart full of food and only a few bucks in you pocket. That when you notice that you left your checkbook at home, but it's not a problem you have your debit card with you.

  2. Refund Anticipation Loans -- More Harm than Help by Drahcir Semaj

    If someone offered to loan you $2100 of your own money at interest rates of up to 222% you'd probably laugh at them and walk away; but, this spring, 1 in 10 Americans will do just that: they'll borrow their own money at interest rates as high as 744% thru refund-anticipation or "rapid refund" loans.

  3. Ten Steps To Building A Good Credit History by Drahcir Semaj

    Are you thinking of buying a house? Do you want to buy a new car to replace that old wreck? Trying to get insurance on you home, auto, or life? In each of these situations, what’s on your credit report will determine if you can get a loan or insurance and what rates you’ll have to pay.

  4. Diabetes: African Americans Deadly Foe by Drahcir Semaj

    Diabetes is having a devastating effect on the African American community. Diabetes is the fifth leading cause of death in African Americans and their death rates are twenty seven percent higher than whites.