 Category :: Personal Finance Articles |
Author :: James H. Dimmitt  |
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| Article Title :: How Healthy Is Your Credit? |
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| There’s only one way to discover the “health” of your credit. You need to examine your credit report. Your credit report is your “consumer identity” that potential lenders will use to judge your credit worthiness.
Use these tips to give your credit profile the “tune-up” it needs:
Tip #1- Check for Errors
Your credit report or profile is more than just a collection of who your creditors are and how much you owe them or have paid them.
The first thing you need to do is carefully check that your credit report is accurate. Nearly 70% of credit reports contain errors.
These errors may be as simple as an incorr (read full article) |
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| Category :: Personal Finance Articles |
Author :: James H. Dimmitt |
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| Article Title :: The Simple $10 Debt Elimination Solution |
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| Ask a friend what resolutions they made for the new year and your bound to hear them reply “Pay off my credit cards.” Ask them how they planned on reaching that goal and many of them will not have a clear cut answer.
The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the use of your credit cards. For some people this first step can often be the most difficult. If you’re used to spending freely with plastic and worrying about the consequences later, it’s difficult to break free from this “buy now, pay later” attitude.
To gain control of their careless credit card spending habits, (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jakob Jelling |
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| Article Title :: How to manage your checking account |
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| Protect yourself against the possibility of writing bad checks.
The most important thing that you need to do in order to manage your checking account is simple: keep track of all of your transactions. This might be annoying if you end up writing a lot of small checks for small things, but in the end it will definitely be worth it. By writing down each check you write and the amount that they were for, you'll know exactly how much money you have to spend, how much you have spent, and whether or not you can afford what you are buying.
There are a lot of good reasons to know where all of your money is going. However, they are not the only reasons why you should learn h (read full article) |
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| Category :: Personal Finance Articles |
Author :: Sintilia Miecevole |
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| Article Title :: Checks And Balances |
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| Checks are basically written for the transfer of funds from the account of a check holder in a bank or any other depository institution. The purpose of checks is similar to that of money, easing transactions.
One needs to keep in mind certain things to avoid problems on a later date. Take care that you use a proper pen, preferably use an ink pen. All the information should be filed in carefully. Look out that the numerical and written check amounts match. In case of cancellation of a check, be sure to keep an account of it. That will help you in matching and reconciling your accounts. When you sign, sign in a legible manner since a scrawl is easier to copy. Draw a line once you (read full article) |
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| Category :: Personal Finance Articles |
Author :: sandy |
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| Article Title :: Debit & ATM Cards |
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| The following article covers the liabilities of fraudulent activities for credit cards, ATM cards and debit cards.
Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen.
Limiting Your Financial Loss
It is faster and easier to process financial transactions today than ever before. Thanks to the electronic age, check cards, debit cards, and ATM cards give us instant access to funds on deposit at the local bank or a financial institution miles away. This also provides an avenue of oppo (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jakob Jelling |
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| Article Title :: How checking works |
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| Help yourself avoid overdraft fees by understanding checking.
While there is a lot of attention put on people who get into financial trouble based on the amount of money that they charge to their credit cards, that is not the only problem that people commonly have. For instance, checking accounts can cause trouble as well, especially if you do not know how checking works. Therefore, before you start using your checking account frequently, you should find out exactly how your checking account works.
Your checking account is just another bank account, though it is usually not the same or attached to your savings account. Many people find it worthwhile to have both a s (read full article) |
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| Category :: Personal Finance Articles |
Author :: Zamri Nanyan |
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| Article Title :: The Best Advice Ever About Money |
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| Wanna know the best advice ever you can get about money?
Here it is...
Let's say that you are getting regular monthly salary from work and you are happy with it. Now, at the end of the month (and most of the time, two days after you get your paychecks), you wonder where all your money is gone.
You begin reasoning.
30% of it goes to house mortgage.
20% of it goes to car payment.
10% of it goes to credit card payment.
5% of it goes to utility bills.
etc, etc, etc...
"That should be fine. I've got all taken care of. Next month, I'll get another paycheck and the same cycle goes on and on... enough for me to (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew C. Keegan |
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| Article Title :: Vesting and Your 401(k) |
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| Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions.
Vesting refers simply to the non-forfeitable percentage of your accountÂ’s assets. In other words, whatever you contribute to your 401(k) plan is always yours to keep including any rollover money.
If your employer contributes to your plan, a vesting schedule for the employerÂ’s contribution is part of the plan. This schedule ties in a non-forfeitable percentage (read full article) |
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| Category :: Personal Finance Articles |
Author :: Zachary Truss |
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| Article Title :: Home Loan For People With Bad Credit |
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| Do you have problems getting a home loan because you have poor credit (or bad credit)? If so, forget the frustrations you may have dealt with in the past, there is hope! There are loans designed just for people like you. A Home loan for people with bad credit is becoming easier to find thanks to online banking.
A home loan for people with bad credit is a unsecured or secured loan for people who have a poor credit rating. Banks call "bad credit" anything from having a late credit card payment, bankruptcy, defaulting on a past loan as well as several other negative listings on your credit report.
A secured loan is a loan that is secured against property (the value of your (read full article) |
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| Category :: Personal Finance Articles |
Author :: Steve Selengut |
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| Article Title :: Managing the Income Portfolio |
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| The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk… particularly when it comes to investing for income. Credit risk involves the ability of corporations, government entities, and even individuals, to make good on their financial commitments; market risk refers to the certainty that there will be changes in the Market Value of the selected securities. We can minimize the former by selecting only high quality (inves (read full article) |
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