Posted 7 weeks 1 day ago by Andrea Dickson
Have good credit? A low APR on your credit cards? Always pay your bills on time? That's not going to stop your credit card company from jacking up your rate whenever they feel like it.
Posted 7 weeks 1 day ago by Xin Lu
Today I received an email from American Express that advertised a program where you can earn rewards by paying your Indymac mortgages with an American Express credit card. I do not have a mortgage, but I read this email and wondered, why would anyone pay their mortgages with a credit card?
Posted 8 weeks 1 day ago by Philip Brewer
The US Treasury pays more money to more people than just about anybody in the world. Last year it disbursed more than $1.6 trillion in 982 million individual payments. As you can imagine, they save a lot of money when they can make direct deposits instead of printing paper checks. So they're always trying to figure out what makes people reject direct deposit. One such thing is garnishment.
Posted 13 weeks 2 days ago by Philip Brewer
The Federal Reserve has proposed some new rules to protect people from a list of abusive lending practices. The changes aren't in effect yet, and may not actually go into effect. It's worth looking at the proposals, though, to understand what's been going on just lately. If you haven't been paying attention, you probably have no idea what the credit card companies can legally do to you.
Posted 20 weeks 3 days ago by Nora Dunn
You may (or may not) be delinquent with a debt payment, but debt collectors don’t have carte blanche with regards to how they can hustle the money from you. Some can be rude, make idle (and illegal) threats, and just plain be a pain. But they can only go so far, and it pays to know your rights.
Posted 21 weeks 3 days ago by Linsey Knerl
Debt is the hottest topic on personal finance blogs around the world. Why? I would venture to guess it is because so many people are drowning in it. The unfortunate truth is that few people care to read about debt until it has already had a negative affect on their financial situation. This can make the final solution to their debt problems even more difficult to hear about.
Posted 21 weeks 3 days ago by Lynn Truong
I read this book because I was intrigued by the 25 year-old author. By the time she was eight years old, she was earning money by operating a lemonade stand in the summer and shoveling snow in the winter. On her 10th birthday, she used the $100 of gift money she received to purchase a Government Savings Bond. At age 14, she bought her first mutual funds. Four years later, she was investing in stocks.
Posted 24 weeks 1 day ago by Nora Dunn
So you are up to your eyeballs. Drowning in debt, expenses, and struggling to keep your head above water. You have been reduced to the life of a monk and are still making no headway. Is it time to see a credit counselor?
Posted 25 weeks 13 min ago by Xin Lu
A recent CNN article titled "Americans are 'financially illiterate'" reports that a survey found that a large proportion of Americans they tested do not seem to understand their debt. I am not that surprised by the report because in American we really do not get very much financial education in schools. However, I think financial literacy is very important and here are some of the things I think anyone can do to gain financial knowledge.
Posted 25 weeks 6 days ago by Xin Lu
Dealing with financial products can be very confusing and stressful, but there are some products that you should absolutely stay away from for the sake of your financial health. Read on for a list of six things I think people should avoid.
Posted 27 weeks 1 day ago by Xin Lu
My favorite cheap TV character is Julius Rock from Everybody Hate Chris. Julius is a character based on Chris Rock's father and in almost every episode of the show his frugality shines through and here are some highlights of his wisdom and lessons he has learned. (May contain some spoilers!)
Posted 30 weeks 12 hours ago by Xin Lu
The Federal Reserve just cut the interest rate by 0.75% between two official meetings! This is the largest cut since 1982 and it was like an adrenaline shot to the sagging stock markets. This move means different things for different people and for some consumers it is excellent news. How could these consumers take advantage of this event?
Posted 32 weeks 6 days ago by Nora Dunn
What exactly is your credit score? What factors are weighed when you apply for a loan? How can you improve your credit and ability to get great loan rates? And how can you unwittingly mess it all up? Read on...
Posted 33 weeks 3 days ago by Nora Dunn
So you bought an awesome thing-a-ma-jiggy or service with your credit card. But when you got it home you discovered the item doesn't work, the service was a heist, or the mail-order loot never arrived or it was the wrong item entirely. And now the merchant is not co-operating. Are you still required to pay off the item charged to your credit card?
Posted 34 weeks 3 days ago by Nora Dunn
Annual fees, grace periods, balance transfer options…it's a wonderful world of credit card jargon out there, and depending on your needs and planned uses for credit cards, it pays to look at your options. Following are the various ways in which credit card companies can get some money out of you and how you can avoid it.
Posted 37 weeks 5 days ago by Nora Dunn
It is a murky world of credit card points, rebates, fees, and interest rates out there. A lot of it comes down to personal choice, but here is some information to aid your plight for a suitable credit card rewards program.
Posted 40 weeks 1 day ago by Nora Dunn
I charge absolutely everything to my credit card. Everything. Even $3 purchases if I can. Why, you ask, in a world where credit cards are "evil", would I do such a thing? Read on...
Posted 40 weeks 4 days ago by Linsey Knerl
Those of you looking forward to this year’s holiday shopping season with a little apprehension, anxiety, or dread can take heart in a new way of thinking. The always financially-savvy (but personable and warm) Mary Hunt of DebtProofLiving has followed through on her promise to simplify your seasonal spending and put meaning back into Christmas.
Posted 42 weeks 2 days ago by Sarah Baughman
Don't look at your credit card as a license to purchase something you can't afford-- just pretend it's a thinner, more swipe-able version of your checkbook.
Posted 43 weeks 2 days ago by Nora Dunn
So your credit card company just called offering you balance protection insurance against job loss, disability, life, or critical illness. The cost will be just pennies, calculated monthly based on your outstanding balance. Do you take it?
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| Posts | Cmts | |
|---|---|---|
| Andrea Dickson | 3 | 48 |
| Carrie Kirby | 3 | 6 |
| Julie Rains | 2 | 8 |
| Kate Luther | 2 | 3 |
| Linsey Knerl | 14 | 40 |
| Lynn Truong | 4 | 5 |
| Myscha Theriault | 7 | 49 |
| Nora Dunn | 7 | 1 |
| Paul Michael | 10 | 19 |
| Philip Brewer | 11 | 25 |
| Will Chen | 2 | 1 |
| Xin Lu | 10 | 22 |
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