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.
Last Friday Barack Obama signed the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009 (aka “Credit Card Bill of Rights Act”) into law. The law does not go into effect until February of 2010, but there has been lots of talk about this bill already. Let’s talk about what is really in this bill and what this bill really means for you and your wallet.
Are you living paycheck to paycheck? Do you find it impossible to save any money for a rainy day? If you answered yes to either question, the dollar savings plan is for you. This plan isn’t new, but its very simple and sure to help you save money here and there, and before you know it you will have saved more than you thought you could.
Internet radio has been around for awhile, and I used to listen to internet radio while at work or while surfing the web at home but now I’ve found something better and still free. I’ve been using 
I have moved many times, and at one point at the end of college/beginning of my career I was averaging one move every 9 months! Needless to say, I have rented quite a few moving trucks and getting good deal is easier than you may think. Last time I moved, I took the following steps to find a moving truck and ended up saving $120 off of a $700 rental (17% off).
Not long ago, 80/20 mortgages were so commonplace and many home buyers were using them to buy homes with no money down. Today 80/20 are essentially so nonexistent that is does not matter if you have a perfect 850 FICO score, you still will not be able to find an 80/20 mortgage. For better or for worse, these loans are no longer being offer to any type of borrower.