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 (555) | Videos (96)
 

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

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

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

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

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

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

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

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

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

Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00

Obtaining Your Own Personal Instant Approval Credit Card

by Chris Channing The idea of an instant credit card doesn’t seem so safe at first glance. After all, there is plenty of debt in the world, and much skepticism for new financial ventures that comes with it. Instant credit cards are offers in which can tell you if you are approved in seconds- and are lenient on who may apply. The approval process for an instant approval credit card, surprisingly, isn’t going to be as simple as the title would imply. [more...]

Date: 2009-09-30 11:09:19

Things To Remember In Choosing A Credit Card

by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]

Date: 2009-09-28 09:44:37

Looking for Information About Credit Card Application – Read this Publication

Online credit card is a very commonly discussed term nowadays. Every person and every information source may say something different – some say it is safe and some claim that they are not; different people point out different aspects and benefits of this process. Deciding whether this is for you or not is totally up to you. What you will read here is what simple steps and methods you should follow in order to succeed. Luckily almost every bank offers online credit card application. [more...]

Date: 2009-09-28 09:29:08

Important Points to Be Pondered Over While Opting for a Debt Management Company

by Edwood Woodward 1. Pick the Best: Selecting the best company to manage your financial matters requires a lot of contemplation. There are some good names and some bad names; therefore, it can sometimes become hard for a new customer to select the right one. 2. Opt For the Safer Hands: Since the debt management program handles the fiscal matters with debt and credit, which involves your money, picking the right hands that are skilled as well as safe is very important. 3. [more...]

Date: 2009-09-30 08:22:11

Need Info About Credit Cards – Check Out this Post

Numerous people fail to get approved when applying for a credit card these days. It is often a very depressing experience, especially if it is not the first refusal letter you get and if you really need that credit card. The most common reaction to this is losing hope for getting a credit card once and for all. Not the best thing to do, is it? Let’s find out what you really can do to get out of this unpleasant situation. First thing you have to do is realise that it is never over. [more...]

Date: 2009-09-29 02:37:09

Problems with tickets?

Problems with tickets? Posted on January 7, 2009 Filed Under info | Leave a Comment The road to the lowest possible auto insurance premiums is full ... the bad. That means you can get an additional discount if your driving record remains spotless ... research to find out which companies writing policies in your state offer these incentives. So let’s give [more...]

Date: 2009-01-07 16:26:13

The Budget Airlines of Southeast Asia

Here’s a potentially money saving tip for your next Southeast Asia trip: Get the cheapest airplane ticket you can to the region (ie Bangkok, Singapore or Kuala Lumpur) and then separately purchase an onwards ticket to your other regional destination(s) on a low cost carrier. Southeast Asia is rife with budget airlines operating frequent schedules with decently-reliable service. One-way tickets within the region go for as little as $100, $50 or even less. [more...]

Date: 2009-09-28 16:22:07

Need Info About Credit Cards – Read this Publication

When you are looking for a credit card offer you probably want something that will correspond to your needs, not something that is most advertised and popular. Different people have different lifestyles and spending habits, and they want different credit cards which will help in various life situations. If you like travelling or if you just travel a lot make sure you find a credit card offer that provides special bonuses which will considerably enhance your journeys. [more...]

Date: 2009-09-30 10:17:59

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