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ARTICLES |
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Banking
Articles on banking, managing
your checking accounts, and spending wisely
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Bankruptcy
Articles
on preventing bankruptcy, filing bankruptcy, and recovering from bankruptcy
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Budgeting
Articles on
creating a budget, tips on sticking with your budget, and successful
financial planning
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Credit Cards
Articles
on using Credit Cards wisely, understanding Interest Rates and Annual
Percentage Rates, and what to watch out for with Credit Cards
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Credit Repair
Articles on Credit Counseling, Debt Settlement, Debt Consolidation as well
as cleaning up your credit
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Credit
Report/Score
Articles on what your credit report is, how it effects you, and what you can
do to change and improve your credit score
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Debt Management
Articles on Debt
Management: How to analyze & manage your debts, and how to recognize if your
debts are getting out of control
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Insurance
Articles
explaining home, life, health, car, and even pet insurance and how you can
save money on each
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Investing
Articles on
buying and selling stocks and investment tips and advice
Articles explaining annuities and
how to use them as investments for retirement
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Money Saving
Tips
Articles on saving money, shopping frugally, and smart financial planning
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Mortgages
Articles
on the many different types of mortgages, what to look for in a home loan,
as well as many tips on saving money with your mortgage
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Our Maker's Money
Articles from a Biblical perspective of our
money, finances, and stewardship
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Retirement
Articles on saving and planning for
retirement
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Student Savings
Articles on how students can save money, pay for tuition, get student loans,
and more
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Taxes
Articles on paying taxes, saving money on your
taxes, tax reform, and more
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Looking
For a Credit Card? Five Things to Watch Out For:
Apply for credit cards online and get access to a world of freebies and perks.
Interest Rates - Make sure that you are not lured in by a low
introductory interest rate Credit Card that will skyrocket after the initial
period. Select a Credit Card that is going to maintain a consistent low
interest rate.
High Late Fees - Check the
Credit Card's late fees and when they take effect. If you are five minutes
late are you going to get charged the same late fee as someone who is a week
late? Also, how much are those late fees going to be?
Low Minimum Payments - Lots of
Credit Cards offer low monthly payments--which means that you are mostly
paying them the accrued interest and very little on the principle balance
which could drag out that $5000 balance for over 20 years!
Selling you 'Theft Insurance' -
Lots of Credit Card companies try to convince you that you need Theft
Insurance on your Credit Card in case it gets stolen and the thief takes your
card on a shopping excursion on Rodeo Drive. The truth is, even without
insurance you may be responsible for $50 at most--much less than you will
spend in insurance premiums.
Selling you 'Disability Insurance'
- Much like theft insurance, this is another 'service' that the Credit Card
industry would love for you to believe that you can't do without. If you
should ever become disabled, the insurance would kick in and pay your credit
card minimum payments for you. The hard part is trying to collect. And, even
if you do get them to pay the minimum credit card payment, they are in fact
mostly paying themselves the interest accrued and very little of the
principle.
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