Author: Daniel B. Kline, The Motley Fool

Personal loans often have relatively high interest rates, but many people take them out to consolidate credit card debt that carried even higher ones.

Customers’ expectations are only getting higher, and retailers may not get a second chance to meet them.

You probably take a look at credit card bills each month to spot fraudulent charges. But there are other areas of risk you’re likely letting slide.

To stay competitive, both retail companies are adding drivers, trucks, and higher salaries with plans to add more.

Bonuses are a delicate situation. They can be motivating or inspiring, but they can also lead to resentment.