Posted May 16, 2009 - 12:23 by Xin Lu
Personal Finance, Shopping, Credit Cards
I am sure you have encountered a store or gas station that has a set of prices for cash customers and a set of prices for credit card customers. Usually the credit card customer has to pay a small surcharge. Under a new measure being considered in the U.S. Senate, retailers may be given the go ahead to give more discounts to cash paying customers. Would this encourage consumers to ditch the plastic?
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Posted April 21, 2009 - 08:36 by Paul Michael
General Tips, Shopping, Budgeting, Credit Cards, Consumer Affairs
It’s a question I’m asked at least a few times a day when I use my check card, usually by one of those little card-reading machines (although sometimes, an actual living person asks, too). Being someone who hates the word “credit” I have always opted for “debit” and proceeded to enter my PIN number. But have I been doing it all wrong?
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Posted April 15, 2009 - 13:18 by Xin Lu
Personal Finance, Taxes, Credit Cards
Today is April 15th, also known as the dreaded Tax Day in America. Due to the recession many people may find that they do not have enough money in the bank to pay what they owe. Instead of marching in the various "tea parties" happening today, this is what you can do if you find that you do not have enough money to pay Uncle Sam.
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Posted April 12, 2009 - 19:57 by Linsey Knerl
Credit Cards, Consumer Affairs
The latest report on U.S. savings didn’t look very encouraging. As the average savings rate dwindles (to almost zero in some demographics), it may see a bit overreaching to give advice on how to utilize savings objectives. The truth, however, still remains – the best way to make a purchase for many consumers is to save for it first. Here is a brief overview of the three kinds of savings goals, and how you might wish to use each to achieve your financial aspirations.
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Posted April 9, 2009 - 10:16 by Paul Michael
Frugal Living, General Tips, Budgeting, Credit Cards
You’re not seeing things. This is not an April Fool’s gag (although if I’d written this last year it would have been). No, this is Suze Orman’s latest advice and it is a complete 180 degrees from her usual advice. Why? Two words – the economy.
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Posted April 6, 2009 - 20:58 by Lynn Truong
Credit Cards
Back in January, I wrote a post about finding a new $10 "maintenance fee" for my Chase credit card -- the one I was never late on and had a transfer balance that guaranteed me a 3.99% APR for life. People were outraged, of course, but now Chase has had a change of heart.
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Posted March 30, 2009 - 09:03 by Paul Michael
Personal Finance, General Tips, Credit Cards, Consumer Affairs
I know banks are hurting for money right now, but no more than the rest of us. And one aspect of modern banking that I find most disturbing is how banks allow you to go overdrawn so that they can charge you a hefty fee.
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Posted March 27, 2009 - 10:00 by Silicon Valley Blogger
Credit Cards
You can call this a defense of the maligned credit card. There are a lot of people out there who are very distrustful of credit cards and the companies that offer them, no thanks to skyrocketing personal debt loads. But I have a completely different view of these cards. They have only served as positive tools for me; in my mind, it's all a matter of how you decide to make use of them. For those who are comfortable with credit card debt management, here are some reminders of how we can get the most out of our cards.
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Posted March 12, 2009 - 13:39 by Xin Lu
Personal Finance, General Tips, Credit Cards, Consumer Affairs
Today I read about an interesting study done by Rice University on the correlation between trustworthiness and looks. The researchers utilized the popular peer to peer lending site Prosper.com and Amazon's Mechanic Turk. Prosper is a site that allows borrowers to submit a loan application along with personal details and a picture. The researchers took the pictures off over 6000 of these applications and showed them to 25 individuals through Amazon.com's Mechanic Turk and asked these workers to rank the creditworthiness of the people in the Prosper pictures. The results show quite a few startling correlations between looks and creditworthiness.
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Posted March 3, 2009 - 14:38 by Paul Michael
Personal Finance, Frugal Living, General Tips, Shopping, Lifestyle, Green Living, Budgeting, Credit Cards, Consumer Affairs
My wife brought this to my attention. I’m not an avid Oprah viewer, but usually when I tune in I hear good advice. And with the help of financial guru Suze Orman, she’s asking families all across America one simple question; what can you live without?
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