What Is The Difference Between Overdraft and Debt?

Published on Oct 20 2012 // Loans
People get themselves into debt in a variety of ways. Any type of credit that consumers use but do not repay as agreed is considered debt. Credit card balances, loans, and car financing can all be considered debt if they go unpaid. An overdraft is another type of credit that can eventually become debt...

Consider Opening a Flexible Spending Account

Published on Nov 09 2011 // Personal Finance, Taxes
Have you opened a Flexible Spending Account yet?  Open enrollment occurs during November and December depending on your place of business, and it is a great way to save money tax-free for medical expenses. What Is a Flexible Spending Account A Flexible Spending Account (FSA) allows employees to contribute...

The High Price of Credit Card Penalties

Published on Oct 06 2011 // Banking, Credit Cards, Financial News, How To Guide, Savings
We live in a world where bad deeds often go unpunished. However, in the MasterCard Universe (Visa, Discover and American Express, too), cardholders deemed guilty of irresponsible repayment behavior by their card issuer are penalized – usually heavily – by a spike in their APR. “The best way to...

Public Savings Bank Classic Secured VISA Card

Published on Jul 27 2011 // Credit Card Reviews, Personal Finance
Public Savings Bank Classic Secured VISA Card
The Public Savings Bank Classic Secured VISA Card is a different card in many ways. The Public Savings Bank Classic Secured VISA Card does not have any upfront or monthly fees. Just a flat $50 Annual Fee. There is however a onetime fee of $79.00. Thereafter, a fee of $25 is charged for increasing the...

Parents: What Teenagers Need to Know About Credit Cards

Published on Jan 02 2011 // Credit Cards, Personal Finance
Parents: What Teenagers Need to Know About Credit Cards
There’s a good chance your college bound teenager will obtain a credit card while attending college. Close to two-thirds of college students have at least one credit card in their name. In addition to the drugs and alcohol talk, parents need to have a “credit card conversation” with...

The Latest Sneaky Credit Card Fees

Published on Oct 16 2010 // Personal Finance
Many of us are familiar with that little plastic card that has come to our rescue in many a time of distress and has contributed to making our lives that much easier. However, this little plastic card also known as a credit card can also be a source of tremendous stress. And the cause of anguish is not...

The Latest Sneaky Credit Card Fees To Watch Out For

Published on Oct 08 2010 // Personal Finance
Many of us are familiar with that little plastic card that has come to our rescue in many a time of distress and has contributed to making our lives that much easier. However, this little plastic card also known as a credit card can also be a source of tremendous stress. And the cause of anguish is not...

Pros and Cons of having Credit Cards

Published on Mar 14 2010 // Credit Cards, Personal Finance
Credit Cards are issued by banks and financial institutions.  The card holder will be allowed a maximum credit line. The card holder can use it to purchase whatever he wants from the shops where the card is recognized.  The price will be deducted from the card holder’s account on the due date,...
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