Credit Card Insurance: Smart Choice or Not?
As we all know, credit card companies are notorious for nickeling and diming us with fees and add-on services. This is especially true now that the credit card reform is in full effect… since they can no longer hike our APR out of the blue, they’re seeking other avenues to make their money. Besides credit monitoring subscriptions, the most common add-on for them to peddle is credit card insurance. Should you buy it or not?
What are the benefits? Well here’s a Continue article...
What is the Right Amount to Save for Retirement?
There are plenty of calculators out there so I won’t bother with that, but the question to how much you need to save for retirement needs to be in your thought process. Saving for retirement is difficult when it matters most. Many people reading this are in there 20’s, 30’s and 40’s. The earlier you start to save the more you benefit from compounding interest. If you start saving around five thousand dollars a year and put it into an Continue article...
Is Visa Signature Better Than Platinum?
The Visa Signature line was first launched over a decade ago, originally touted as a premium credit card tier for the affluent. However today, this tier is being offered on an increasing number of mid-level, average cards. Furthermore, many banks are switching their existing cardmembers over to the Signature level whether the customer wants it or not. Why is this happening? Is the Visa Signature truly better than Platinum?
What makes it different? You’ve probably seen those frequent (and somewhat annoying) Continue article...
How Can Going Green Save You Money?
The earth is becoming the biggest witness of man’s destructive ways and unhealthy lifestyle. Not only is it the witness, but the poor and defenceless victim of all of man’s wanton practices. The good thing is, there are many countries and individuals that see the great need to save the earth. This is now popularly termed as “going green.”
Going green is not at all difficult. It consists of simply going through some practices and, even simple Continue article...
5 Tactics to Pay Off Your Mortgage Faster
There is no secret to paying off your mortgage faster; while you may be disappointed to learn this, it is actually a good thing because you don’t have to follow a strange budget or download any special account keeping software to own your home sooner. Instead, you can use these five simple tactics which almost anyone can achieve, regardless of their loan size, their lender or their property goals.
1 – Understand how your mortgage repayments work
You can’t beat a Continue article...
How Does Debt Affect People?
This is a common question for anyone who is thinking about borrowing money. The reason for this is that debt can have a major impact on a the life of a person. It can determine whether or not someone succeeds in life or struggles all the way through it. Debt is the amount of money any person owes. They go into debt when they borrow money in the present while promising to pay it off in the future.
There are a Continue article...
Money Leaks: Slow Ways to Become Broke
There are of course huge ways to waste money, but then there are small wastes, which are referred to as leaks. Sometimes the leaks are so small, you may not even notice them, but they do add up and can end up being a huge chunk of money that could be better spent somewhere else. In this post, I am going to highlight some leaky ways you could be leaking money without you realizing it.
Clunkers: Not only is buying Continue article...
How Can You Pay Off Debt by Settlement?
If you are finding it difficult to make your bill payments and wish to get rid of them, you can negotiate with your creditors and request for settlement. You may also enroll in a online debt settlement program offered by debt relief companies to pay off debt.
How can I get rid of debt without professional help?
You can become debt free all by yourself with the help of the following guidelines:
Negotiate with your creditors: You must inform your creditors Continue article...
How Often do Mutual Funds Compound or Dividend?
How often do mutual funds compound is a question that gets asked by many novice investors, who don’t completely understand the structure of this type of investment. A straight forward comparison of how compound interest works and the way the term may be applied might be the best way to understand the concept.
Compound interest is basically interest that continues being earned on an original sum of money invested along with the previous interest for a specified length of time.
The Real Green Thumb and The 4 Simple Laws to Growing a Magic Garden of Wealth
It is said America has more millionaires that any other country. If this is true why are so many of us so poor? Why do so many Americans suffer with debt? Why are we as a society so overextended and buried under mortgages we can’t pay and live in homes we can’t afford in the first place? The answers are simple, yet must be explained carefully. Let’s examine rule one.
Rule one: Never try to keep up with the Joneses.
Each day Continue article...
