How to Transfer Money Between Banks
Published on May 08 2012 // Banking, Finance 101, Personal Finance
Archive for the ‘Finance 101’ Category:
5 Great Ways to Stay Away from Your Savings Account
Published on May 07 2012 // Banking, Finance 101, How To Guide
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...
How to Avoid Check Bouncing Charges
Published on Apr 30 2012 // Banking, Credit Cards, Finance 101, Personal Finance
If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union. In addition, the person you gave the bounced...
How to Open a Bank Account
Published on Apr 18 2012 // Banking, Finance 101, How To Guide, Kids and College, Personal Finance
Opening a bank account is a rite of passage for any teenager who is earning income. It is the first step in the process of becoming financially independent and may be followed by obtaining a credit card a few years later. If you or your teenager are planning to open a bank account, here are some steps...
When Your Credit Score Really Isn’t Your Credit Score
Published on Mar 01 2012 // Debt, Finance 101
Robert and Carrie were on the verge of fulfilling a ten year goal of buying their first home. Prior to meeting with a lender, they did their homework, gathered their documents, and ordered their credit reports. They were confused when the scores from each of the three credit bureaus differed so much....
Can You Live a Cash Only Life?
Published on Feb 15 2012 // Credit Cards, Debt, Finance 101
This may sound like a silly question but credit card companies would lead you to believe it is not possible to live a cash only life. Their marketing teams push hard to make us believe life without a credit card is just not possible. Those of us that have been in debt or are struggling to get out know...
Three Financial Goals to Accomplish Before Saying “I Do”
Published on Feb 13 2012 // Cost of Living, Finance 101, Savings
Whether you have found the perfect life mate or not, there are three financial goals that everyone should work on before they walk down the aisle. Marriage is truly a blessing, but finances are the number one item couples argue about. To keep your marriage sailing smoothly and to give yourself a good...
Is 650 a Good Credit Score?
Published on Nov 30 2011 // Credit Cards, Debt, Finance 101
Like it or not, your credit score can affect where you are hired, how much money you pay in interest over the course of a loan and whether or not you can even qualify for a loan. Since the start of the Great Recession and the housing market downturn, it is increasingly difficult to even obtain a loan. ...
Prepaid Credit vs. Prepaid Debit
Published on Oct 03 2011 // Banking, Finance 101, Personal Finance
Finance 101: Choosing a Personal Financial Advisor
Published on Jun 23 2011 // Finance 101, Personal Finance
A financial advisor can help you develop a well-thought-out personal investment plan that is tailored specifically to your needs. Here are some tips to help you find a good financial advisor. Understand How Financial Advisors Get Paid. Some financial advisors get paid strictly for giving advice. Others...
30 Ways to Make Money During Summer Break
Published on Jun 22 2011 // Finance 101, Finance Life Stages, Personal Finance
Summer break used to mean fun in the sun for many students, but the tragically high cost of college tuition means many must keep their noses to the grindstone after classes have ended. The problem is actually finding work when you only have three or four months to spare. With any luck, a school-year...
Finance 101: Savings Plan Education
Published on Jun 21 2011 // Finance 101, Personal Finance, Savings
5 Easy Ways to Plan for Retirement
Published on Jun 20 2011 // Finance 101, Finance Life Stages, Personal Finance, Retirement
Finance 101: Examining the Risks
Published on Jun 17 2011 // Finance 101, Personal Finance
Market risk is the likelihood that the value of your investment will go up or downover time. In general, the longer your investing timeframe, the more likely you are to approach the historical return potential for your investments. Inflation risk is different. In short-term investing situations, inflation...
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