Identity theft is a growing concern, despite the high-tech attempts companies are making to help prevent it from happening.  It used to be that you’d only have to worry about identity theft if you were crazy enough to throw away documents without shredding them first.  If Joe the identity-thief was rifling through the dumpster, he’d […]

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 Yes, credit cards have a bad reputation in the eyes of most people. We all do it though- we get mad because we pay one of our credit cards a little late and then get hit with late fees, or worse, an interest rate hike on all of our credit cards.
You can really maximize your […]

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 Something I’ve always considered doing, and what I KNOW some people already do successfully, is use “their money” to make money.
Who’s money?
The credit card companies and low interest loans… any place that gives you no or low interest money for 6 months or more.  When credit cards offer promotional offers like 0% interest on cash […]

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 I learned a pretty hard lesson recently. Let me give you some credit card education!  When I was in college 6 years ago (has it really been that long?!) I had a ton of credit cards.  I was using them to pay for books each semester and to pay the difference in what my meager savings […]

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 Sometimes you just don’t know where your money is going. With deposited checks and direct-deposits bringing money into your account, and your debit card drawing it back out for you to spend in cash form, you pick up receipts everywhere you go and still aren’t sure where all of your spending is taking place. But […]

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 Credit card fraud costs credit card holders and credit card companies billions of dollars each year, if you are a credit card holder and want to protect yourself from credit card fraud, this article is designed to help you do exactly that.  The first thing you need to understand is, that once you report a […]

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 The term maximizing means getting the most out of something, when it comes to credit cards many people have worked on maximizing their credit card rewards. The term “rewards” here does not mean reward points, rewards mean making the best of the credit card you are using. If you are using a credit card and […]

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 Most banks normally calculate month interest charges based on the average daily balance for that particular month. With two-cycle billing, your interest is calculated based on your average daily balance for the last two billing cycles, which means even if you took care of your previous month’s balance in full and on time, you can still […]

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 The fast pace of modern life and need for instant gratification make credit cards almost a necessity for most adults. Many ordinary purchases require a credit card in order to complete the purchase or verify credit history. E-tailers such as Netflix require credit card or debit card even to redeem gift subscriptions and as anyone […]

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 By Susan M. Keenan (C)2007
Debt might be a fact of almost everyone’s life, but it doesn’t have to be a fact of yours.  Once upon a time, people actually lived within their means, simply because they had no other choice.  What do you think would happen if you began to think along those lines?
Just imagine […]

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