Credit cards are one of the most common ways to finance debt and construct a stable financial foundation. Prudent card use can lead to big benefits for individuals, especially if they’re trying to establish or rebuild credit profiles. Applying for a credit card, for example, is a solid first step toward getting a low-interest auto loan or mortgage.
Whether you’re just starting out, looking to repair damaged credit or wanting to get a travel rewards card, it helps to know exactly where to go and what to do in preparation. Here are five steps you’ll need to know when applying for a credit card.
Grant me the serenity to accept the things I cannot change,
Courage to change the things I can,
And wisdom to know the difference.
– Reinhold Niebuhr
We are currently living in an unprecedented moment. I’ve certainly never seen anything like it, and unless you’re quite old, you’ve likely never seen anything like it, either.
It’s a frightening moment. We’re worried about our own health, the health of those we love and care about and the health of our fellow human beings. Many of us are worried about our jobs, about how we’ll even pay for the health care we might need. Many of us are worried about the state of our finances, with incredible instability in investment markets. Many of us are stuck at home — it’s the right move, but it can certainly instill a sense of cabin fever and stir-craziness — and feel utterly powerless to do anything about … anything.
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This week's topic: Spring Cleaning Your Finances!
If you’re like a lot of families I know, you probably have a surprising amount of food tucked away in various places in your home or apartment.
In our house, for example, we have a pantry that’s almost always quite full of nonperishable food items of all kinds. Much of it is staples, like flour, pasta, beans and canned tomatoes, but there are a lot of unusual ingredients in there bought for specific meals.
Those items have value, and there’s no better time than right now to start digging through those items, figuring out what you have, and putting some of that to good use. In fact, that’s something we’re actually doing today at our house!
If you’re thinking about adding a new business credit card to your wallet, Chase just increased the Ink Business Preferred® Credit Card welcome offer from 80,000 to 100,000 Chase Ultimate Rewards points when customers spend $15,000 in the first 3 months of account opening, giving Chase enthusiasts the opportunity to rack up more rewards.
Cardholders can redeem those points for travel, cash back, gift cards and more, and your points won’t expire as long as your account is open.
The new offer is competitive, but keep in mind: you’ll have to spend an extra $10,000 on the card during the first three months to earn the full welcome bonus.
“What a crazy day,” Kim said yesterday after she got home from work.
“Coronavirus?” I asked.
“Yeah,” she said. “My schedule fell apart, which I figured it would. But I did see three patients in the morning. All three were doctors. Obviously, they thought it was safe to see the dentist. A lot of others stayed home though. Staff too. Meanwhile, people are pissed.”
“What do you mean?” I asked.
“Well, it looks like our practice is going to have to shut down for a while. The Oregon Dental Association sent everyone a letter today that explained we're in high-risk professions. They recommended shutting down except for emergency procedures, except for cases that involve pain. So, our office is probably going to close for a while, and that means nobody's going to get paid.”
“That makes sense,” I said.
Many Americans (and people around the world) are suddenly finding themselves stuck at home for a while. Some of us have children at home with us, some of us have to work from home, while others are simply there because their job is on a break.
Whatever the reason, you’re suddenly spending a lot more time at home and may be facing a serious reduction in responsibilities, too. Teachers all over America are feeling this right now, as are many service industry folks.
The temptation to just watch a lot of Netflix and seriously chill out or be lazy for a while is really tempting, but if you’re anything like me, that’s going to get old super fast. I’m just not wired like that, and neither are a lot of people.
Here are some things you can do during an extended period at home that will provide significant financial, professional, and personal benefits without much, if any, additional cost.
Sometimes, we have to spend money to save money. For example, switching to energy-efficient light bulbs will help you save on electricity, and getting a low flow shower head means your water bill will go down.
Americans are facing more than health concerns as a result of the spread of novel coronavirus COVID-19, recently labeled a pandemic. As events and attractions postpone operations, many workers are being laid off until further notice. Those who can work may be faced with the choice between showing up sick or losing income needed to pay rent.
The Federal Reserve, joined by other government agencies, has called on the financial services industry to “meet the financial needs” of people who are affected by COVID-19. Some of the country’s largest financial institutions have responded with measures to help their customers cope.
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
In tough times — and even in regular times — thankfulness is a huge bang for the buck on your well-being …
On any given day, it's a challenge to find good news. Finding bad news is easy.
One of my high-school classmates posts regularly on Facebook. She often posts happy news links, and reminds us all regularly: “Look for a good story every day!”
Thankfulness, gratitude backed by science
If my Google News feed is any indication, I'm a bit of a student on self-improvement and life-hacking.
Over and over again, I read articles that discuss scientific evidence of the benefits of practicing gratitude every day. Apparently, thankfulness isn't just for Thanksgiving!
Here is a taste of a few:
I have a full-time — job. I have three children at home. I have a wife and a marriage to keep healthy. I’m a homeowner. I have lots of family and friends who need some of my social time. I have a number of community commitments as well. I have hobbies and interests that want some of my time, too. I also have all of the basic human upkeep that everyone has — sleep, hygiene, food, and water.
Here’s the truth: there simply aren’t enough hours in the day to give the time I need to give to each of those things. It simply isn’t there.
A common strategy, and one I leaned into for many years, was to take a lot of shortcuts. I slept five hours a night. We got food from restaurants. We even tried out things like housecleaning services and laundry services.
Manufactured home insurance is similar to traditional homeowners insurance. Most mobile home insurance policies cover the structure of your home, your personal belongings and basic liability. Certain events are covered under your policy, and you’ll have to meet a specific deductible before the insurance will pay for a claim. Why trust The Simple Dollar in […]
The post The Best Mobile Home Insurance appeared first on The Simple Dollar.
When disaster strikes, the cost of your damages and losses can be exorbitant. This is why it is so important for homeowners to protect themselves and their belongings with homeowners insurance.
The amount of money you have to pay to cover repairing and replacing your items when you file a claim depends on your deductible. It is always important to consider the insurance deductible before committing to a new insurance plan.
Find the Best Home Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
Renting a home or apartment is a great way to save money and avoid the liabilities of being a homeowner. But most people don’t know that their landlord’s insurance won’t over their personal belongings in the event of a fire, theft or a similar situation. If you’re a renter, it’s important to get renters insurance to protect your possessions.
Find the Best Renter Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
With home prices on the rise, many people are renting homes and apartments instead of buying. At just $722 per month, rent is much cheaper in the Mount Rushmore State than the rest of the U.S., which averages $1,012.
Find the Best Renter Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
The is an unsecured rewards credit card structured for those with either bad to fair credit. The Official NASCAR® Credit Card from Credit One Bank® offers a minimum credit line of $300, but this limit can be increased over time with good financial habits. For credit users who need to rebuild credit but don’t want to put down collateral for a secured credit card, this is a decent option that provides users with a solid rewards rate — up to 1% cash back on all purchases and a guaranteed 2% back on NASCAR purchases.
If you have less-than-perfect credit and you’re shopping around for an unsecured card, the is an excellent option that helps you to rebuild or establish credit while enjoying the privileges that come with the Visa network. Pre-qualification for this card takes less than a minute when you apply online, and it won’t impact your credit score.
Although there is an annual fee for most cardholders, Credit One Bank® Platinum Visa® for Rebuilding Credit is one of the few unsecured credit cards for bad credit to offer what premium cards have — namely, a rewards program. According to the Credit One website, cardholders will receive 1% cash back on eligible gas, groceries, cable and satellite TV services, mobile phone service and internet. The reward comes in the form of a statement credit, which can help to make the annual fee more affordable. This is a great perk for people wanting to minimize the expense of credit card ownership.
Swyftt home insurance takes a unique approach to quoting and providing customers with a homeowners insurance package. To save you time and money, Swyfft uses AI technology to collect and analyze area information to offer you the best (and most accurate) quote on your home insurance.
Swyfft doesn’t directly insure your home. The company has partnered with reputable insurance carriers to underwrite all policies. Swyfft handles the quoting process, customer service issues and the start of your claims process. The insurance carrier handles the rest.
Find the Best Home Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
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