Prepaid credit cards resolve many problems...

Many people who travel abroad for their holidays are invited to grab a prepaid credit card with them to manage their holiday spending. There are many benefits of prepaid credit cards when traveling. The most important advantage is safety. There is no need for vacationers to carry money on him. Unfortunately, it might be the [...]

You can find a great credit card for your specific purposes...

The use of credit cards has become a lifestyle for many people. Buy has never been more convenient than a simple slide of the card and a signature. For as long as you’re careful in your purchases and religious in your monthly payments, then using credit cards is a more efficient and convenient shopping. Consumers [...]

A lot of useful tips about credit cards using...

Only you decide if credit card are a blessing to your finances and a salvation for your lifestyle. However, you need to be attentive because if it is not handled with care it can become a liability, especially if you find it so convenient and easy to use, you lose control of your expenses. This [...]

How to survive in modern wild world of credit cards...

Do you mention sometimes, that the market of credit cards looks like tropic jungle? This allegory learn us how to deal with credit cards. We know what to expect, but we look around as unfortunate victims until it happens. Then we complain that we knew what to expect and should have done something to prevent [...]

Will Future Returns Suck?

July 21st, 2011 Amber Cook No Comments »

Last week, CFB staff writer Robb Engen entertained and enlightened us all with a post on retirement, and specifically how young people should focus on making good financial decisions rather than spending all their time thinking about retirement. This is a good article that’s worth a few minutes of your time if you haven’t already read it. Oh, you have? Fine then, moving on.

Robb makes some assumptions in his post about future stock market returns. I’ll let him explain further:

Investment returns are expected to be lower in the long term.  No longer do we see projections of 12-15% returns.

He goes on to predict a 6% return will be the norm going forward.

I’m curious as to why this is. Robb is

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Tips Before Renting or Buying

July 20th, 2011 Amber Cook No Comments »

When someone is going to rent any place either for personal living or a business has to think on many grounds. This decision turns even more difficult if he is going to buy some place. For both the decisions, one most important thing is how much money he has? He has to examine some financial issues.

Estimating Your Finances

In the start you have to calculate the amount you posses and estimate either it is enough for buying or renting new home. For renting down payment is the main issue. It includes advance initial payment and security deposit. In case of buying new home you must see the mortgage payments you need to pay each month. It is suggested that it should not more than 28% of your monthly income.

Cost/Benefit Analysis

The issues related to buying (which are ability to build equity, the tax breaks and the investment value of a home) have both merits and demerits.

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What’s Left on Your Back-to-School List?

July 18th, 2011 Kathryn Evans No Comments »

Wereing up on the back to school season, and that means one thing back to school shopping! There are a lot of expenses that can pile up in August, so we want to know what you still need. Have you been saving for a car orputer? Are you waiting for dorm supplies to go on sale? Let us know whats left on your list!

Once youve voted, dont forget to check back next week for the results!

Moneydance as a Quicken Replacement?

July 18th, 2011 Amber Cook No Comments »

On Monday I talked about my experiences moving from Quicken to iBank. In short, iBank is a solid option, but it’s not right for me. I’m a bit of a power user when it comes to tracking investments, and the reporting features (and lack of a true portfolio view) were deal killers for me.

So… I next turned my attention to Moneydance from The Infinite Kind and crossed my fingers that I wouldn’t need to go further down my list of Quicken alternatives. Unlike iBank, which has a 30 day free trial, Moneydance has a free trial that is limited to 100 manually-entered transactions.

Given that Moneydance costs $50 (though you can easily get a $10 discount; more below) I wasn’t too crazy about this highly restrictive trial. A limit o

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Tags: Quicken, Quicken Replacement

The 4 Worst Credit Cards (and How to Replace Them)

July 16th, 2011 Ryan Parker No Comments »

With thousands of credit card offers, it’s inevitable that some will be better than others. You needn’t worry too much if you have one of the “worst” cards on this list, however, because with this burden comes an easy opportunity for improvement. Simply

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Tags: Cards, Cards Replace

Religious Schools – Good or Bad Idea?

July 15th, 2011 Amber Cook No Comments »

I recently met with new clients who happen to be religious people. The couple is very nice. In fact, they are wonderful people. But they struggle financially. Why? Do they have lousy jobs? Nope. They are great earners. Are they big spenders. Not really. They live very frugally except for the one item – a private, religious school. They strongly believe in sending their children to religious school at all costs – so they do.

You know the first question that Joan (the wife) asked when they came into my office?

“Should we refinance our mortgage to pay for our childrens’ education?”

They showed me the tuition they were paying to send their children to elementary school and I just about fell off my chair. The first thing that popped into my head was that I should start a school! With that

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Tags: Religious, Religious Schools

Credit Card Debt Consolidation: Finding The Right Program – Advantages And Disadvantages

July 15th, 2011 Sara Turner No Comments »

You never know when and who would need help from a credit card debt consolidation program. Sometimes unexpected circumstances can lead to financial difficulties which in turn would lead you to consider debt consolidation. Some of these circumstances are loss of job, loss in business, death of an earning member and so on. If you are finding it hard to pay off your credit card loans, then it is wise to consider debt consolidation. This is much better than bankruptcy. This article will help you with steps in finding the right credit card debt consolidation program, make you aware of the advantages and disadvantages of debt consolidation so you can decide whether credit card debt consolidation is the best option for you or not.

Basics of Debt Consolidation

Debt Consolidation is a big loan that will pay off your credit card loans.

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Tags: Card Debt, Card Debt Consolidation, Debt Consolidation, Program

Mortgage Refinance Loan – How Much Money Can it Really Save You?

July 13th, 2011 Sara Turner No Comments »

The home mortgage refinance loan is a good alternative to foreclosure and bankruptcy and is a viable option to regain some ground in your financial situation. The home mortgage refinance loan is a complete and total replacement of the mortgage that you currently have. There are times, when the current mortgage that is on the home has been paid on for many years that the cash out home mortgage refinance loan is available. Your goal should be to find the mortgage refinance loan you need, with lowest rates possible refinance loan and so on the line of the load.

The Refinance Loan:

The concept is simple: You refinance your mortgage into a low interest mortgage refinance loan for more than you currently owe (up to a maximum of the amount of your home’s current value), and get cash back for the difference. A

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Tags: Loan, Mortgage Refinance, Mortgage Refinance Loan, Refinance Loan
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