Published on May 07 2013
// Banking
If you are like many students, college is the first time you will need to manage money on a budget and the first time you will have any major debt. You may choose to use a college loan to cover your expenses. Repaying your student loan early can help you get out of debt sooner, and online banking can...
Published on Feb 20 2013
// Banking
Kathleen spent years trying to walk away from her constant need for the latest “must have” products, but the idea of saving money quite simply wasn’t a part of her financial plan. After a local expert came to her classroom to teach her students about financial literacy, Kathleen realized...
Identity theft is an unfortunate reality for consumers. In today’s environment, it is very easy for a thief to steal your personal information, including your social security number, and begin to charge up debts using your identity. Even if you are careful about where you share your social...
Most people have no idea that under the U.S. law’s definition, there are technically 6 credit bureaus that track consumers’ financial exploits. The lesser-known of the bunch – ChexSystems, Telecheck, and EWS – are reporting agencies that provide info to financial institutions when consumers apply...
Unless you have failed to pick up a newspaper in the last four years, you will be aware that bank lending to both consumers and businesses has plummeted.
Despite various measures designed to ease the flow of credit, the truth is that for many people it has never been more difficult to access funds from...
Union Bank has over $60 billion in deposits and currently stands at fourth place among California’s banks as far as the deposit market share is concerned. The bank recently unveiled a new approach to offering checking accounts and related services to their customers: Banking By Design.
Though Union...
Published on Oct 19 2012
// Banking
http://www.biblemoneymatters.com/find-a-better-bank-how-to-choose/
Interest rates are just about invisible these days. As a result, more people are going to greater lengths in order to find the highest interest rates they can on bank CDs. But is it a good use of time?
Not always. Here’s why I...
It’s never too early to start saving for a home. It is a process that takes time, determination and patience. Whether buying a house is in your immediate future, setting aside money now will help ensure you are ready when the time comes. Generally, you want to save about 20 percent of the selling price,...
Published on Oct 18 2012
// BankingWhen it comes to your finances, it is important that you are in control. You should know that the bank account or accounts where you keep your money are the best available, giving you reasonable fees, good interest and excellent and trustworthy account information, whether through your monthly statement...
Did you know that in the old Celtic calendar Halloween (or Samhain) marked the first day of the New Year? Christmas is on the horizon, and you need to come out the other side with your finances intact. So in the Celtic spirit, make a resolution to manage your cash wisely this winter. Choose to invest...
Personal Capital is online personal finance software that allows you to organize all of your accounts and display them in one place. According to the website, you can manage your assets and plan for the future. I decided to sign up for a free account to find out what it was all about, and I’m writing...
With ATM cards, debit cards and online banking, it’s enticing to think about managing all your banking while going completely paperless. However, there are some times when writing a check is still the best way to handle your funds. Whether you have a basic checking account or interest checking account,...
If your employer offers direct deposit (and most do these days) there are several advantages to using it. In fact, direct deposit is not only beneficial to you, the employee, but also to your employer because it saves them time and resources printing and distributing paper checks.
Here are three reasons...
Pageonce
If you are like most people, you have a smart phone or an IPad or something similar. Why not put these savvy technological devices to work for you by using apps that will save you money.
Top Budgeting Apps
1. Your Bank’s App – Free
Now that businesses have upgraded to the 21st century,...
You may need to transfer money between bank accounts if you have money in two different banks. There are several ways to do this beyond the obvious of driving to one bank, withdrawing the money and then depositing it at the other bank. Which way works best for you depends on how quickly you need...
If you’ve considered dipping into your savings in the past few years of economic hardship, or if you’ve actually had to do so, then by no means are you alone.
Since the onset of this recession, many American families have had to make tough decisions regarding the use of savings/emergency funds that...
