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Checking Out Potential Tenants
If you're the landlord of a complex in high demand, you have to have high standards for your tenants. You don't want to rent to any Joe Blow and then lose the building a month later because he's been growing an "herbal garden" in the bedroom. In...
Children And Divorce: Things To Consider When You're Staying Married Only For Your Children
All children are different and respond differently to divorce. Depending on the characteristics of the children - age, emotional maturity, happiness, resiliency to trauma - the easier or more difficult it will be for children to weather a divorce.
...
Money Making Money Saving Tips for College Students
Money Making Money Saving Tips for College Students by Linda Correli
Money is something that is difficult to get, but easy to get rid of. However, if you are smart about handling your money, you can get through college or university...
Money Worries?
If you are worrying about your money problems it's time to STOP IT NOW! Easier said than done, huh. In my 25 to 30 years working with personal money management problems I have never seen worry help solve the problem. In fact it has just the...
Top 10 Secrets to Avoiding Marital Money Chaos©
Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and...
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10 Things You Should Know About Credit Cards
Maybe these 10 items may answer some questions you have about
using credit cards. Make sure to check out the link in #1.
#1. Don't Use Them.
Credit cards accounted for 1.3 million Americans filing
bankruptcy in 1998.
#2. If you use credit cards pay them off each month.
Carrying a balance on your credit cards could add up to hundreds
of dollars each year in interest and penalties.
#3. If you can't pay off your credit card balance each month,
pay as much as possible.
Every extra dollar you pay over the interest charges goes toward
paying off the principle. Minimum payments are 90% interest and
10% principle.
#4. Never obtain a credit card based on an introductory interest
rate.
Introductory interest rates are strictly bait to get you hooked.
After a short period of time the intro rate increases
substantially.
#5. Be careful consolidating your credit card debt.
Whether you use equity in your home or find another credit card
to lower your interest rate, there are things you MUST DO. If
you pay off a credit card you are going to receive constant
offers, either checks in the mail or special offers, to use that
credit card again. Be sure to cut up the credit card you paid
off and contact the company to cancel.
#6. Do not obtain credit card protection.
Many credit card companies offer credit card protection for a
fee. This is normally a percentage of the outstanding balance.
According to the Federal Trade Commission,
(http://www.ftc.gov/bcp/conline/pubs/alerts/lossalrt.htm) you
are only obligated to pay the first $50 when your credit card
is used by someone unauthorized. You could easily pay several
times the $50 for credit card protection in a year.
#7. Don't keep more that two credit
cards.
The biggest reason for this two card rule is that it is easier
to keep track of possible errors and current interest rates
with no more than two cards. Some credit card companies will
increase your interest rate without prior notification. You must
look at your statements each month and inquire about any
discrepancies.
#8. Always mail your credit cards bills at least seven days
prior to the due date.
Currently, credit cards companies are allowed to charge a
maximum of $29 for late fees if the bill is not paid on time.
With delays in the mail and processing time once the bill
reaches the credit card company offices, you need at least 7
days to be sure it is posted on time.
#9. Always protect your credit card numbers from others.
Be sure that you don't allow unauthorized people to see your
credit card numbers. It is very easy to use someone else's
credit card, as stores are very lax in their security of
handling credit cards, seldom checking to see if the signature
on the back of the card matches the one on the credit card form.
Never give your credit card number over the phone unless you
know who you are talking to.
#10. Don't use credit cards for groceries.
Buying things like groceries with a credit card, unless you
pay the card off each month, is a no win situation. Buying
recurring items like groceries will only tend to increase your
credit card debt each month.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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| Expert advice on picking stocks, investing for retirement, and dealing with life's major personal finance decisions. |
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| Market news from the Telegraph newspaper online. Includes money product finders. |
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