Debit or credit?
"Debit or credit?" Ah yes, the conundrum posed by many a sales associate at the culmination of your shopping trip ... ," I answer. Of course. It is a debit card, after all, so why would I use it as credit? According ... in the end. There may actually be more perks to using your check card as a credit card over [more...]
Date: 2008-11-15 21:34:09
Blog posts
(78)
|
Videos
(41)
Jumping the canyon of Great Depression II
I'm now working my way through lectures by James Shenton, part of a 1996 Teaching Company course on the History of the United States. It's radically abridged history; stories of a thousand pages become a few sentences or nothing ... (installment buying)? Check (credit cards)Technological transformation (auto, electricity, radio)? Check [more...]
Date: 2009-01-18 02:15:29
Checking Your Credit Score
Most people don’t know their credit score. What does that mean? ... had a credit card or some type of loan for at least six months. So, if you’re young or have never used ... convenience checks from my credit cards each and every month. Some of you may not have a credit [more...]
Date: 2008-12-23 11:58:12
Get Out of FreeCreditReport.com’s “Triple Advantage”
FreeCreditReport.com is the heavily advertised company that offers “free” credit reports ( ... reminder to check your bank and credit card statements at least once a month so charges like this don ... if you sign up for a trial offer for their monitoring service with a monthly fee. They have huge [more...]
Date: 2008-07-25 18:29:44
In Uncertain Times Innovation Prevails for One Savvy Collection Agency
NEW YORK, N.Y., Oct. 16 (SEND2PRESS NEWSWIRE) -- In response to economic uncertainty, New York based collection agency Williams, Charles & ... to liquidate their debts via major credit card or "via check by phone," 24/7 in very unique ways. Unlike credit card payment offerings used by others in the industry, WCS' collection staff can tailor the [more...]
Date: 2008-10-16 11:06:59
IVR (Interactive Voice Response) - A Brief Explanation
IVR (interactive voice response) is a telephony technology that allows users to interact with a database through phone keypad or voice commands ... and inquiries available to the public 24 hours a day. Most of us use IVR systems daily to do things like check bank balances, manage credit cards, check for store hours or locations, or order [more...]
Date: 2009-01-17 04:48:05
Homeowners Protection Act of 1998
last submission. They claim on the website that it may take 1-2 days to respond. Obviously, they’re late ... . And that would have gone onto a credit card, I’d think… And the term “chargeback” really makes it sound like a credit card transaction or something. My checking account is just that — a checking [more...]
Date: 2008-09-05 09:29:24
What to Know When Getting Your First Credit Card
Credit card debt is way too easy to get into these days. It seems like every time I check my mail there is at least one or two pre-approved credit card applications. It doesn’t matter if you have good credit, bad credit, or no credit; they still send [more...]
Date: 2009-01-14 11:52:49
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
Obtain A Second Chance Checking If You Have Financial Troubles
by Steven J. Talrechi If you’ve had financial problems that have made you ineligible for a checking account, don’t despair. You’re not alone ... or Visa credit cards do. If you opt for just the debit card, a voided check will be included in your set ... , as can a bad credit history. If you’ve been reported to one of these systems and you can no longer [more...]
Date: 2008-09-24 19:43:06
Non ChexSystems Banks
by Dan Moskel If you have been placed into chexsystems you are in a difficult spot ... a review of the tribute credit card an unsecured bad credit mastercard. ... you do have an alternative to a checking account. You can get a prepaid credit card that will give [more...]
Date: 2008-12-02 13:43:19
Visa
I don’t know what your credit card is like, but I swear by my Bank of America Visa card. Just today, I received a check for $250 from them ... have been “paid” for using her credit card. What’s wrong with that? The crucial part of the deal ... . We definitely live within our means. I might add that this Bank of America Visa card also benefits the UH [more...]
Date: 2008-12-04 04:41:05
We just got really close to carrying a balance
I felt like we dodged a bullet tonight. I was checking balances on some of my accounts and I loaded up the balance on our primary checking account ... through. It actually popped in my head that we could just not pay our full credit card bill next month ... . Getting into credit card debt, of course, is way easier than getting out of it. (Just ask [more...]
Date: 2008-09-28 07:10:59
Rich Blog, Poor Blog
Last night I was watching NOW, featuring Harvard law professor and TPM guest writer Elizabeth Warren, ... History of the Credit Card." And do check out the full Elizabeth Warren interview. It reminded ... that was 'insuring' my credit card, charging a moderate fraction of the balance so that in the event I lost [more...]
Date: 2009-01-03 10:31:45
What Is My Credit Score and How Is My FICO Calculated?
If you’re like most people out there, there’s inevitably going to come some point in your life when you’ll need to apply for credit and seek out ... prospects like mortgage loans either - even routine applications for things like credit cards, checking accounts, auto loans, and even new jobs are undergoing greater credit worthiness scrutiny. Both [more...]
Date: 2008-07-08 03:19:44
A consumer complaint about Consumer Reports
This story just drips with irony! 2 ... be trusted. No fault of theirs, my credit card number got out to some bad guys in Malta or Africa, and the credit card company detected it, contacted me as I was checking into a hotel in NY (by declining [more...]
Date: 2009-01-12 13:57:29
debt on a holiday
one of the problems being faced by people nowadays are bad credit reputation, be it on credit cards or phone bills and from other loan institution ... . and this are for people who are looking to get emergency cash right to their checking account safely ... their credit capability and hopefully their future, financially speaking. [more...]
Date: 2008-10-27 14:03:42
Merchant Services Charge-back Horror: Why Paypal Ia The Only Way:
_3248 Creative Commons License photo credit: David Boyle in DC There are reasons why I had the outrageous gall to re-start my online marketing ... ), those customers can decide to lie to the banks at any time, about an e-check, or a credit card payment ... to our merchant account when that happened. As if it wasn’t bad enough that people stopped [more...]
Date: 2008-11-01 17:55:10
ONE Tip for 2009 - Identity Theft Still Rampant so Sign up for Lifelock.com
I got this email from some very close friends yesterday who were asking to spread the word about their identity thefts: ... more issues on my credit report before it is over. I am going to have to testify against the woman ... in custody. We have had credit card fraud, checks cashed, new accounts opened on line and in stores [more...]
Date: 2009-01-01 19:51:24
Watch Out for Possible Credit Card Scams
I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... card. Bad Photography A lady paid by using my Visa Check Card, and the young man behind ... will be so much better. Currently in the United States, the credit card companies take the burden off [more...]
Date: 2008-10-30 15:25:07
One-Stop Shopping Calamity
The news that Citigroup is considering selling half its Smith Barney brokerage unit to Morgan Stanley is seen as evidence that Sandy Weill's plan for ... from one financial institution. Credit cards, checking accounts, mortgages, brokerage services ... a one-stop financial shop is officially dead. But the financial supermarket is the bad idea [more...]
Date: 2009-01-12 18:00:00
The Passion of Tim Eyman
This is absolutely hilarious: (By cartoonist RR Anderson, released under a Creative Commons license) He gives.. ... Initiative of 2008 ... (go to our website to do a secure donation by VISA/Mastercard/PayPal or print out the form below, fill it out, and return it with a check or money order or credit card information [more...]
Date: 2008-11-06 08:08:03
Sales are down, but not hideous
I know this was intended to be another doom-and-gloom story, but a drop of 2% to 4% from last year (excluding car and gas sales) ... sales paid for by credit card, checks and cash — retail sales fell between 5.5 percent and 8 percent ... doesn't sounds that bad. Am I missing something? What I'm also wondering is, with so many things [more...]
Date: 2008-12-26 21:45:00
How Women Can Fix Their Credit Before Applying for a Job: Part 1 — Credit Scores and Credit Reports
a guest post by Michelle Dunn credit debit card charge (www.bizchicksrule.com) ... a job interview because of some bad credit they may have. More and more employers are checking ... of the 3 credit bureaus to provide you with a free copy of your credit report annually at your request. Don’ [more...]
Date: 2008-09-18 10:18:26
10 College Money Myths
If you have kids heading to college this fall, be sure to have some open discussions about money with them before they go. In addition, a check in call after a month to discuss money isn’t a bad idea. Here ... on a credit card. If so you can use cash rewards credit cards to get cash back on your tuition [more...]
Date: 2008-08-26 11:00:22
10 Tips on Using your Credit Card Wisely
This is a guest post by Andy over at Retire at 40. Check out his great blog and subscribe to his RSS feed here. I’ll admit it. I’m a credit card user. I use it a lot, not everyday, but a lot. Am I wrong? Am I a bad person ... ways why you’re not an automatically bad person if you use a credit card but you must follow them [more...]
Date: 2008-12-25 03:49:57
Putting Up an e-Commerce Website
By Ethan O. TannerWith more and more consumers utilizing the web to shop and execute business dealings, ... . This insurance will assure customers that you will never supply a third party with information ... PayPal and other online payment sources, credit and debit cards, online checks, and money orders [more...]
Date: 2009-01-17 21:47:00
“Living beneath your means”
While most of America was busy trading home equity for a TV, RV, and SUV, I was busy renting apartments and driving an economy car ... times or bad. If you can’t stop using your credit card, get rid of it. An easy check to see ... bad it was. My father once said “I got a 21% rate on my loan, and I was glad to get it.” We may [more...]
Date: 2009-01-06 15:36:19
E-Fax hell
Some consumer venting. In 2006, I used E-Fax for several months, and then cancelled the service ... months service free to encourage me to stay, I quit, and was told by the representative that my account was cancelled. Story over – or so I thought. Then today, I check the credit card account [more...]
Date: 2008-11-21 00:17:15
Pancake City Online Buying Guide
I don’t understand the yearly rush of shoppers on Black Friday ... in Google or check out an aggregator like RetailMeNot. Credit card sites sometimes have coupons around ... and for the next few months because the economy is so bad. Retailers are going to be forced to slash [more...]
Date: 2008-12-05 04:13:08
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
Where Did Our Money Go in 2008?
Now that the holidays are over and all the credit card transactions have been processed and checks from last year have been cashed, ... accounted for about 7% of our spending, and this does not include the fact that I pay another $200 per pay period, or $4,800 a year, to cover my family under my company's PPO. This is insane [more...]
Date: 2009-01-09 15:00:00
(ALL-in-One) Singapore’s Public Transport Rebates and Discounts.
Was just checking up on fares and such and i thought it might be good information to know.. More after the jump ... area. Don’t wake up so early as thre wont be any discounts. – Citibank SMRT Platinum Visa Card ... , many credit card holders actually drives. They should make it a debit card. – For Taxis [more...]
Date: 2008-12-16 02:37:22
2008 Goals Review and Preparing for the New Year
One year ago, I listed my goals for 2008. Here’s a review of my list from last year. Pay off all Credit card debt - Failed! ... in my primary checking account, which helps make budgeting easier and can serve as an emergency fund if needed. Earn $20,000 (gross) from side businesses - Not bad. I didn’t make it to $20,000 [more...]
Date: 2009-01-06 22:33:00
30 DAYS HAS SEPTEMBER
DAY ONE I WOKE THIS MORNING to find myself in the detox center of Our Lady of the HMO ... all over and get burned. I hate it even more when I have to sign a check or a credit card slip [more...]
Date: 2009-01-16 20:08:22
Procrastination will kill me, but I am not ready yet...
Doing my bills this morning, as I try to correct the yaw in my course - and I look at my annual percentage rate on one of my credit cards... yikes! ... that bad boy into bits. Step one taken, sigh. No wonder there is a credit crisis - who could pay ... my checking account. [more...]
Date: 2009-01-05 16:06:00
Tucson: More People Fighting Evictions
The ailing economy is keeping things busy for the Tucson courts these days Lawsuits over unpaid debts and other financial disputes are up 33 and 45 ... filed over bad checks, repossessed vehicles, loan defaults, credit cards and other contract disputes [more...]
Date: 2008-11-02 15:41:59
Finding County Marriage Licenses
by Jason Voxly Maybe you are dating someone and think they are hiding something ... the system. You do have to be careful and check into the companies before giving them your credit card ... with a legit company. It is a rare situation that you will receive bad information [more...]
Date: 2009-01-17 22:43:42
The Money Diaries: The 25-year old restaurant worker on his way up
The Money Diaries: The 25-year old restaurant worker on his way up November 28 24 Comments latest by Jane Today is another post in the Money ... up maintaining my bills while training for this job and pulling only minimum wage. How was I going ... that automated credit card payment. 6:11 p.m: Mailed rent check to landlord. I always hate sending [more...]
Date: 2008-11-28 21:30:29
FICO Toolkit for 50% Off
We wanted to share with our readers a great deal on learning about your FICO score and helping to get out of debt. Not sure what your FICO score is? ... is some of what it offers: Action Plan personalized to your credit report and goals 3 Credit Reports (from all three ... which cards to pay off first, etc. Fairness - It checks the fairness of rates to [more...]
Date: 2009-01-16 19:02:07
How we are in the hands of phishers
Its Monday morning. Ugh. Turn on your computer and check that mail! What’s this?“In accordance with new KYC ... just been phished!Another time, you get a call from your credit card bank, asking if you’ve made any online ... at Paypal to the tune of $2150 Rs. 1 Lakh have been honoured by the credit card issuer.Did’nt make [more...]
Date: 2009-01-13 18:02:00
Instant Approval Loans: Quick Funds to Help You Fix Urgencies
Sometimes, it really gets tough to arrange funds within a short point of time, ... , credit card dues, school and college education fees, house and car repair etc. while, under normal ... , as these are short term loans. Moreover, the loan amount is sanctioned without any credit check [more...]
Date: 2008-12-22 13:00:58
How to Replace Bad Financial Habits With Good Ones
This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]
Date: 2009-01-14 13:00:09
Is Making 100K in One Day Selling Real Estate Guru Product Bad for Business?
That depends. Who is the speaker? What is the product? Was it done in a pitch-fest? ... about their beautiful spouse and kids or need to see pictures of them in front of their 60K car? “Selling ... ! (But first they “qualify you” by checking to see how much money you have on your credit cards!) YIKES [more...]
Date: 2008-10-14 20:58:43
BMW Smart key concept multi tasks as your credit card
After news that Ford is developing the MyKey, to keep your children's driving habits under check, BMW has now gone ahead and developed a new key that could double up as a credit card. Considering ... that it will ease the process for rich people to just pay off their parking, groceries, and bad debts via [more...]
Date: 2008-10-22 12:40:08
10 Ways to Save Money
Ethan Ewing of Bills.com shares his ten tips for saving money and achieving your financial goals ... with cash. Move away from credit cards and avoid going into debt, especially for daily, routine ... are the most important element of good credit. Keep bills in one location and check that spot weekly [more...]
Date: 2009-01-08 01:42:45
Careless Friend Lost His Wallet
Over the weekend, my friend had his wallet stolen from a communal locker at work ... cards. Report the theft to credit bureaus. File a police report. Provide details to the FTC ... it in the university’s ‘lost and found’. If in a few years from now, when he checks his credit report [more...]
Date: 2008-09-18 23:59:23
Weekly Roundup: June All-Stars Edition
Hard to believe half the year is already in the books. Time flies when you are having fun! ... Dad Second Stimulus Check Frugal Dad Square Foot Gardening How to Get Out of Credit Card Debt Frugal ... . 50 Things Everyone Should Know How to Do. I need to add air conditioner repair to this list. Ours [more...]
Date: 2008-07-05 11:00:32
Pajiba Love 11/19/08
Are We Ready For A Woman Secretary Of State Not Counting Madeleine Albright? ... ) This is hilarious. A guy tried to pay an overdue credit card account off with an MS Paint drawing ... be interested in checking out the "South Park" spoof. (CC Insider) YEAH! Eff you, stupid, jerkoff [more...]
Date: 2008-11-19 17:20:01
Danielle Steel’s Former Assistant Swipes $400K!
Holy crap! Kristy Watts, the former aide to Danielle Steel , stole $400,000 from the romance novelist. Watts worked for Steel for 15 years, primarily performing financial and accounting duties. Apparently, Watts would deposit checks from Steel’s account into her own personal accounts as well as using the writer’s credit cards for her own purchases. She has pleaded guilty to wire fraud and tax evasion. She will be sentenced on February 4th in San Francisco. [more...]
Date: 2009-09-30 00:00:30
