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 After what we’ve all been through with the recession, the good to come out of it is that many of us have vowed to stop spending foolishly using credit — and even better we seem to be sticking to that vow. Families are struggling to keep it together and pay off the bills. It hasn’t help that credit card companies ...  If your credit score is below 620, you know how tough it is to get a loan or a credit card with reasonable terms — that is…if you can even get them in the first place. It’s a well known fact that lenders will give people with good credit scores lower interest rates on mortgages, car loans and credit ... I have more great ideas for projects than I ever possibly have time to complete. I have a 2004 Santa Fe which is getting to be too small for my family. We have three kids now and plan to make it 4 and 5 in the coming years. (Though not within a year or so for the next one.) It ... In general, anything above 700 is considered a good credit score, but it’s not that simple. There are many different credit scoring systems with different scales — not to mention individual lenders have their own criteria. In short, a good credit score depends on the scoring system used and your particular lender. However, you can get a good idea of where you ... Don’t get too excited. Equifax is offering a free “Credit Score Card“, which in reality just gives you a range of what your credit score is. And the score is from their “Equifax Risk Score” system, not a FICO score. (You can still get 30% off a real FICO score with MYPOINTS30.) ...  Historically, February has always been a good month for me, financially speaking. This is the month that I usually receive my tax refunds, the rest of my bonus from the prior year and the month my pay increase goes into effect.
This month was no different and was actually a better month than the one’s prior.
Here’s where the money came in: Interest: ...
Actions speak louder than words right? So why is the interest you earn from a savings account taxed at your marginal income tax rate while the dividend income you earn from investments is taxed at the long term capital gains rate? When we put our money in a high interest savings account, the interest we earn is taxed at 25%. ... 
Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being affected dramatically and right now, many students simply cannot afford ... 
This week Liz Weston wrote about how to shop for a new bank and it made me think about how we chose the banks we work with now. For us, the criteria for judging a checking account differed from the criteria for judging a savings account. We use the two different types of accounts for different purposes, so the criteria ... If you’re a savvy investor, you most certainly have a fair bit of cash tucked away for general spending and emergencies. The stock market is a long term investment and if 2009 taught us anything, it was to not have money you need to spend in the stock market. So where do you put the money you don’t want in ... |
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