Why 0% credit cards cost you money

When it comes to credit cards, most savvy borrowers spend their time chasing the longest 0% balance transfer deals available. But these aren’t the best deals for everyone. For some of us they work out more expensive than simply opting for a low-rate credit card.
Watch out for fees
It’s the balance transfer fees that you have [...]

Personal Finance : When to Move to Joint Financial Accounts

Joint accounts for couples. It’s one of those age-old hot personal finance topics. When do you know if it’s the right time to do it? Is there ever a right time if you’re not married?
Let’s discuss what works. There’s really three options:
Shared everything. All funds go into one share account.
Everything stays separate in individual [...]

Green Investing Strategy

Green investing options can include renewable energy stocks and alternative energy funds, and these can be good forms of socially responsible investing
Buying mutual funds can include renewable energy mutual funds and international mutual funds, and the best energy mutual fund will depend on the investor and the specific circumstances
Green investing option 1. Examine All Aspects [...]

New law requires credit card applicants to be 21

Students applying for credit could soon hear a familiar motto: 21 means 21.
Beginning in February 2010, a federal law will prohibit those under 21 from acquiring a credit card without a co-signer or proof of sufficient income.
The changes stem from the 2009 Credit CARD Act, a measure that will tie lenders to responsible practices and [...]

When filing for bankruptcy, Full disclosure essential

Q. I’m in the process of getting ready to file for Chapter 7 bankruptcy. I have been current on my house and car payments. There is not any equity in the house as I now owe more than it’s worth.
So, in filing, do I need to list the house and vehicle, although I don’t want [...]

Bank overdraft fees : Anger gets hotter, bigger and louder

Controversial bank account fees, which have fattened banks’ bottom lines at the expense of vulnerable consumers, are rapidly becoming a black eye for the industry.
Under siege are the fees charged to consumers who spend more than they have in their accounts, whether by check, debit card or at the ATM.
Last week, four of the nation’s [...]

10 Tips : Teaching Children About Money

Money tips 1. Money is neither good nor evil. Money is simply a tool, with no quality that defines it as good or evil. It can, however, be used to do good things or evil things. Money does help reveal the nature of a person. There is nothing inherently bad about not having little wealth [...]

Korea Hot Stocks – KOGAS rallies on Siberia investment report

As of 0235 GMT, the main KOSPI was up 0.81 percent at 1,689.19 points.
The index opened up 1.22 percent at 1,695.94 points.
**KOGAS RISES ON SIBERIAN INVESTMENT REPORT**
Shares in Korea Gas Corp rallied on Tuesday after a local media report the world’s biggest corporate buyer of liquified natural gas (LNG) was considering investing in a gas [...]

Important Financial Planning and Retirement

Financial planning and retirement is one of the most important things you can do. Once you finish off your professional career , the chances of getting into a financial crisis will be hugely reduced by a financial planning retirement. When to retire and what is to be expected at the retirement will have to decided [...]

Credit Card Companies’ Biggest Lie

Of all the insults that the consumer banking industry has hurled at the public’s intelligence in the fight over noxious fees—29 percent credit card interest, arbitrary rate hikes, and the rest of its shoddy practices—the most galling is the argument that for the government to intervene in any of this would be to hamper competition [...]

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