Why Cash Offers More Flexibility Than Gift Cards

Photo courtesy of krisandapril We have recently attended a number of weddings, ... with the swipe of a credit or debit card. Gift cards may get lost. I am notoriously bad at keeping ... in your birthday card and get three pennies back it registers.  When you swipe the same amount [more...]

Date: 2008-09-30 18:00:53

Blog posts (179) | Videos (93)
 

I owe Citibank negative five centavos. How do I pay it?

262207_f520 THIS IS MY unusual, and so overly annoying problem for more than a year now.  I welcome any out-of-the-box solutions you may offer ... a credit card it is a must that you settle all your remaining balance first.  My bad luck stemmed ... months ago.  I decided to stop using my Citibank-Shell credit card which I started using just a few [more...]

Date: 2009-01-13 22:01:33

Help Your Student Find the Right College Credit Card

If you’re a parent or a guardian of a college student, ... with being a card holder. Yes, the dangers of bad credit can be avoided if youngsters are properly educated ... for students that offer great deals with no annual fees at all. Check credit card review websites [more...]

Date: 2009-01-08 02:36:37

This Week in Credit: Fees and Scores

adele_D_20090115144535.jpg Getty Images Credit card pop art The bad news: ... . Some good news: Free credit scores might be offered more widely. Keepers of the FICO score Fair ... and have not finalized our suite of products and features at this time. Credit-score watchers, keep us posted [more...]

Date: 2009-01-16 17:57:45

It’s been a heavy week, but in the midst of frustration and concern, there have also been some happy moments ... Mutual respond to the offer of a credit card, “No, man, those things are bad news.” If only more people [more...]

Date: 2009-01-16 17:04:54

Double Barrels Hit Financials

95129c Most industries get to spread out their bad news. The current exceptions appear to be the automotive and banking sectors ... that large financial firms will have to cut the amount of credit that they offer consumers. She expects ... to credit card customers. While the move will save the banks a lot of money on defaults, it will loss [more...]

Date: 2008-12-01 16:20:57

Selecting Best Homes in Los Angeles

by J. Kim Nowadays there are plenty of sites online that offer advice and information about what to do when buying a home ... as if their credit is bad or they have no credit whatsoever. Certainly the more loans and credit cards a person ... The Right Mortgage With the introduction of instant refinancing there are times now where [more...]

Date: 2008-10-29 01:54:17

Great Option for a Business Cash Advance

Needing additional capital for your business? Well, I have found another site wherein you can avail of an Unsecured Small Business Loans to help fund ... months, you have accepted credit cards as a payment option, and that your business transacts at least ... . This is an advantage they offer compared to bad credit business loans which usually takes [more...]

Date: 2008-08-31 03:53:00

Building Credit Repair

Building Credit Repair Building credit is more important now than it has ever been. If you have bad credit, it is often hard to get an apartment, a loan for a home, or any form ... is to apply for credit cards that offer no annual fees. Also, make sure the cards have low interest [more...]

Date: 2008-12-21 05:14:09

With Things So Bad In The Economy…

…why is this happening: You know what I got in the mail yesterday? An offer from my credit card company, for a $50,000 unsecured personal loan. Did you catch that? Unsecured. That amount of money would require me to make the equivalent of another mortgage payment to repay them. That offer came as a result of our credit rating, and we would [more...]

Date: 2008-09-30 15:47:13

E*Trade on the Brink - Seeks $800 Million from TARP to Stay Solvent

Battered E*Trade banking on government fundsFri Nov 21, 2008 5:15pm ESTBy Jonathan SpicerNEW YORK (Reuters) ... U.S. government funds that would bring some relief to its book of bad mortgage loans.Shares ... situation. E*Trade Bank offers credit cards, savings and checking accounts, and mortgage and home equity [more...]

Date: 2008-11-22 21:26:00

Study More About Unsecured Debt Consolidation Loans - Avoid Being Rejected

Unsecured loans with bad credit can be the answer for anybody who is having problems managing their expenses and does not have anything to offer as ... people find that they have many small debts on credit cards, store accounts, plus car loans, etc ... get a consolidation loan at a lower rate of interest than many of your other bills. Credit cards and [more...]

Date: 2008-12-29 15:51:16

Yet another credit card offer

Well, either the economy isn’t as bad as its cracked up to be or Wall Street doesn’t care that I was out of work for two months. I got an offer for a Discover card in the mail today. [more...]

Date: 2009-01-14 03:24:20

Get 2% Deposited Into Your Schwab Investment Account

I don’t usually write much about credit cards here but this is something kind of interesting. Charles Schwab is offering an unlimited 2% cash back on their Invest First Visa Credit Card ... s $25,000 per year in spending. If you spend more than that, the Schwab card may not be a bad idea [more...]

Date: 2008-12-04 20:48:50

Disposable Savings

Do you happen to be an employee of a company that offers payday loan? ... . What if it is you, employee or not, you want to buy something, for example a gadget that yoy wanted so bad yet you don’t have enough cash? Good thing there are credit card companies who offer their proud service [more...]

Date: 2008-11-01 06:27:49

What You Need in E-commerce Hosting

E-commerce is a term that has become synonymous with online business as millions of people are opening up their own storefronts on the Internet ... as online shoppers are concerned about the protection of their credit card details.  With tight ... .  It also wouldn’t be a bad ideal to find a host that offers support through live chat, support ticket [more...]

Date: 2008-10-30 18:01:54

Tips for Protecting Your Money this Holiday Season

The holiday shopping season is in full swing, but unfortunately, so is the recession.  The good news? ... cards. Beware of Loan Scams: If someone offers you a loan that sounds too good to be true, it probably is. Warning signs include: Gift Advertisements that say, "No credit? Bad credit? No problem [more...]

Date: 2008-12-12 18:30:46

Help In A Bad Economy

Since the economy has been suffering these days, so have many people. Some businesses have had to close and lots of people have lost their jobs ... you can expand your business is by accepting credit cards, accepting and offering cash advances. Merchant [more...]

Date: 2009-01-05 18:45:35

The Gift

December 19, 2008 at 4:11 pm (Holidailies, food, life) (gifts, malls, shopping) ... and carry type person, all I ever have to offer is a smile. I feel twice as bad if it’s cold ... this lady some food (yay credit card). It woke us up. We’d been having trouble getting [more...]

Date: 2008-12-19 22:11:19

13 Quick Ways to Make Extra Cash Money

$1,025 in credit card offers! If cash is getting a little scarce around your household and you’ve cut back as many expenses as you possibly can, ... that can really put a lot of extra cash in your pocket. The only downside of this is if you select a bad [more...]

Date: 2008-11-19 12:36:46

Sellers think you don't have to lower prices or offer closing help? The next shoe is dropping, this time Credit Cards!

With the stock market down big today and oil back up I have to admit it's been a downer of a week. I did have to chuckle though today in reading this story about just how bad it's getting for the banks. Lenders have long relied on consumers' credit scores to decide whether to approve card [more...]

Date: 2008-06-21 05:23:51

MortgageNewsClips: Spreadsheet Resource, Realtors Beware, Credit Cards, Lou Ranieri, Securitization Primer, Popular Sells, Asymmetric Risk, Damage Report, Disparity, NY Mortgages, Freddie Automates, 3 more News Clips

RESOURCE: has list of sites offering free spreadsheets - Spreadsheets: Free to Learn - No-cost tutorials, instruction, ... Ross - Inman News ———— BusinessWeek_logo Credit-Card Rage - Debt-strapped consumers vent ... -old concept of securitization a bad name, IMF Economist Andreas Jobst writes. Securitization [more...]

Date: 2008-09-02 10:37:39

Are hotel price matches a bad idea?

Many hotels and online travel agencies offer price match guarantees ... on the same date at any point up until you arrive, you'll receive a chargeback to your credit card ... not overpaying. But there's a side effect that may be bad, as The New Yorker made plain this week in an article [more...]

Date: 2008-12-05 14:47:35

My Ambition

I know kids are often bombarded with this question, "What is your ambition? ... dreams.After having a bad week of knowing my school doesnt offer ICT or EST, I've decided to venture ... to design your signature nicely so everytime you pay with a credit card the shop assistant will praise [more...]

Date: 2009-01-07 09:01:00

What do search engines have to say about you?

I’d be worried about the fact that one of my former colleagues was a convicted murderer if he hadn’t been executed by lethal injection 5 years ago, ... cart was hacked and the credit card details of thousands of your customers stolen. It isn’t hard ... takes the bad experience of one customer to create the impression that you are offer the most [more...]

Date: 2008-12-19 14:14:00

Coinstar Promo: $40 in Coins = $50 in Gift Certificates

Coinstar is running a 2008 Holiday Promotion where you can turn $40 in loose change into $50 of Amazon.com gift certificates (or any gift certificate that they offer). Not a bad way to get rid of some change and pay ... combine this with buying $1 coins from the US Mint to get credit card points. [more...]

Date: 2008-11-10 11:36:31

Consumer Reports Retirement Survey: Planning Ahead May Be Just As Risky As Rewarding

February issue offers 17 moves to rebuild the nest egg and secure the future In the wake of big investment losses many have turned to Plan B to ... their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt, cut spending and save more. Switching to Plan [more...]

Date: 2009-01-06 12:09:04

Money is Dead - Long Live Barter

Inspired by global economic developments, I’ve been thinking recently about doing without money. Not in a bad way ... by barter, and an official said: “We allow direct debit, cash, cheque, credit card. But barter? It’ ... a kind of forced barter after the fact. What could I offer? A vast sackful of apples and other produce [more...]

Date: 2009-01-11 15:37:26

Want a Free Webcam? Just Sign-up for a WebEx Trial Account

webex This offer is valid for US residents only ... ). No credit card required. The fine print say that to qualify for a free webcam, the participant must host ... be at least 20 minutes long with at least 1 attendee besides yourself. Not bad for $40 webcam [more...]

Date: 2008-10-09 05:54:01

Cost/Benefit Analysis

My latest credit card statements include my most recent trip to Dallas, Christmas shopping and travel expenses, ... since I started on this little adventure of mine. That's kind of too bad, because it would ... really matter and part of me doesn't want to know, besides. Offer me any amount of money to go back [more...]

Date: 2009-01-07 06:18:41

Host Unlimited Bandwith - The Good And The Bad

It seems that almost everyone you come across has their own web page ... wishing to conduct business on line, you should think about such things as shopping carts, credit card ... to go packages where you can list your profile, pictures and a ‘mates’ list. Others offer bulletin forums [more...]

Date: 2009-01-15 14:28:07

Reader Mailbag #29

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance ... (k) with $12K (I am 29), and a credit card debt of $1600 which I will be finished paying in October ... (k) contributions. Having $12K at age 29 isn’t a bad start, but I’d make sure I was contributing at [more...]

Date: 2008-09-22 14:00:00

What would Greg Swann do? Integrity, transparency and Web 2.0

Hey, y’all! Are you in the mood for a truly incredible offer? You’ve seen the kind of single-property web sites we do at BloodhoundRealty.com ... , taking a huge profit every time you pull out your credit card. You get pitches like this every day ... to promote and protect your brand identity. That’s actually not a bad business, and I already [more...]

Date: 2008-12-26 06:07:00

Personal Loans For People With Bad Credit

by Trinity Davidson If you need to send a child to college, remodel your house, ... loans in the amounts ranging from $3,000 to $250,000. They may require you to offer evidence ... to provide a copy of your drivers license and social security card. They will also want to see your W2 [more...]

Date: 2009-01-17 17:47:04

Reality-Defying Futurama Flying Car For Sale On Amazon For A Mere $50,000! [Novelties]

Good news everyone! A recently-launched merchant on Amazon — named Jetson — is offering the "Futurama Flying Car" for the bargain price of only $50, ... up for the Amazon Visa credit card after we added it to our cart - talk about a deal! Hold on, our Nigerian ... .. No more bloody traffic! I cant say a bad thing about it.. It also is compatible with my [more...]

Date: 2008-10-10 20:00:00

Understanding Second Chance Banking

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-29 10:39:14

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:25:05

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:18:06

Debt Buyer Beware

If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]

Date: 2009-09-29 15:22:37

Always Use Caution When Using 0% APR Credit Card Offers

Amazon.de Widgets There is nothing wrong with chasing offers of 0% credit cards, in fact many people have benefited greatly from doing just that, but did you honestly expect the credit card companies to allow this card jumping to continue indefinitely?Offers of 0% credit cards have been around for quite a few years now; they are a successful marketing ploy by the credit card industry aimed at stealing customers from competitors and were an overnight success with a public that was fed up of paying [more...]

Date: 2009-09-30 22:17:04

Never Show up to a Gunfight with a Knife

Why do so many people struggle with money? Why is it so difficult to get ahead in a time of such prosperity? Why do the rich keep getting richer while the poor and middle class seem to continually struggle? I’ll tell you the answer: Most people follow bad advice and mimic strategies of the financially unsuccessful rather than imitating those who are already wealthy. You see, every day you make money choices that affect all areas of your life. [more...]

Date: 2009-09-28 20:03:13

Like itâ Tell?? Sat Loan Modification scam before it costs you your home

The combination of a complex service, desperation of those who leave the service and a new, wide-open market with little regulation, the possibility for fraudsters to have the advantage of a situation that can bring a quick score with them. The biggest problem for the victims of fraud in the loan modification generally isnâ? T the money, itâ? S the effect of time and missed payments to foreclosure. In terms of sheer numbers, the frequency of the loan modification is limited to relatively low. [more...]

Date: 2009-09-28 10:57:42

The Road to Riches Through The Festival Edition

This week, the Festival of Frugality travels to Funny About Money, where it is the Road to Riches edition! Being that my house is the “road to the stomach flu via some strep throat” edition this week, I’ll make this short and sweet with a few of the editor’s picks: The Art of Credit Card Skimming How the bad guys get access to your credit-card accounts, and what to do about it Get Rich Slowly Renter’s Insurance: Peace of Mind for Ten Bucks a Month Dough Roller Discover Card [more...]

Date: 2009-09-30 02:02:40

College Students And Credit Card Debt

According to an adviser at a major university, more students drop out of college due to average college student credit card debt than to academic failure. The best way to prevent this is to adopt a spending plan early in your first semester, and stick to it. One thing that you know when you’re a student, that you were most of the time. Unless you have really rich parents or have a trust fund with your name, you know, as a student you should not go much for it in the finance department. [more...]

Date: 2009-09-29 10:12:54

How to Be Aware of What Credit Counselors and Consolidators are Really Offering

This is a guest post from Matt B . Matt writes about all aspects of personal finance at Financial Methods . Please visit the site and let him know what you think. If you are at a point in your life where you have realized that the debt you lug around behind you weighs you down too much, good for you. If you are stuck at the beginning of the battle and not sure where to go next, just know that there are plenty of options. [more...]

Date: 2009-09-28 11:01:51

Marijuana activist Emery surrenders to court, awaits extradition

That’s a good man being sent down there, for ridiculous prohibitionist laws. And mostly to appease the US at that. You can watch a documentary on Marc and his anti-prohibition activism here . You can learn who ships in the actual hard drugs here. Flashback: Vancouver pot activist Marc Emery to plead guilty to U.S. drug charge | The Post editorial board: Emery should be a free man | Canada “Prince of Pot” reaches deal on U.S. [more...]

Date: 2009-09-28 20:48:55

Top Eight Pitfalls of Life Insurance

Author : J.J. Yong As life insurance has become a necessity for us today, everyone needs to pay serious attention to details when it comes to insurance policy selections as there are lots of potential gaps and pitfalls of Life Insurance policies By getting yourself acquainted on the possible pitfalls, you will know what to watch out, what to avoid, and what to focus in, when it comes to Insurance plan selections 1 Decreasing coverage - Policies where the 'face value' decreases over the term [more...]

Date: 2009-09-29 04:18:13

Get More Info About IVA in this Blog Publication

As any other type of a settlement system, the debt management systems may turn out to have good or bad results. The first aspect consists in paying back the debts, however it is not the only one. It involves more than simple repaying the credit card debt, and it does not finish after paying off the mortgage debt or the car loan. It is aimed also on helping you to build a good system of money management as well as to follow this management system in everyday life. [more...]

Date: 2009-09-29 21:50:23

Credit Cards – The Information One Must Learn

You may be surprised, but you have all the chances to complete and succeed in online credit card application with minimum effort, time and your nerves. You just have to study and understand the main principles and terms of it, and if you follow some simple steps you won’t believe how easy and enjoyable an online credit card application can be. The first thing you need to be aware of is that you will most likely be asked to give a report of your personal credit history. [more...]

Date: 2009-09-28 09:29:40

The Best of Get Rich Slowly (2008 Edition)

The past ten months have been amazing: I quit my job at the family box factory at the beginning of March to become a full-time writer ... to be paid automatically. I’m wary of my credit card company, however, so I process that by hand every ... in no particular order. These offer a great representation of my philosophy and my approach to personal finance [more...]

Date: 2008-12-31 13:00:31

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