Last year I wrote about the Credit Card Bill of Rights, and what it really meant for you. This law went into effect last Monday, so here is a reminder about the key points of the new law and how it affects you.
Overdraft Fees. Overdraft fees can only be charged if you have positively “opted in” and accepted the option to have overdraft protection for a fee. If your credit card company has not already contacted you, they may contact you very soon. Declining the option will prevent you from incurring any overdraft fees in the future, but it will also cause your credit card to be denied if you reach your credit limit.
Order of Balances Paid. Previously credit card companies applied any payments (continue reading…)
The deadline is quickly approaching but there’s still time to take advantage of the “First-Time” Homebuyer Tax Credit. The rules are simple, here’s what you need to know:
If you’ve been thinking about buying a new or used car, be very careful or you may be getting yourself into deep trouble. With the state of the auto market there are many great deals out there, whether you are looking for used or new cars, so the last thing you are expecting is to get ripped off. So beware, some buyers are ending up in a huge mess that they never bargained for.
Interest rates began rising a few weeks ago, but rose very sharply last week. Interest rates on 30 year fixed mortgages have rise over 1/3 point in the past week and the national average is now 5.36% (up from 5.00%), 
Today is “World No Tobacco Day” as designated by the World Heath Organization (WHO). The focus of the day is highlighting the health hazards caused by the use of tobacco products. The health concerns of using tobacco products are widely known, so on “World No Tobacco Day” I would like to encourage those who smoke or use tobacco products to quit for another reason: your wallet.