SENSE AND CENTSIBILITY Totally Broke Tuesday or Triumphant Tuesday?
Did you survive the shopping weekend without any bruises to your wallet?
Congratulations! Time to sit back, relax and enjoy Triumphant Tuesday.
Or are you on the other end?
Did Black Friday, Small ... Posted on 12/3/13 at 11:52 AM
BLUE CROSS BLUE SHIELD NORTH DAKOTA Find out about health club credit fitness center discount
We are dedicated to help improve the health of our members. Taking better care of yourself can also help you reduce your health care costs and improve your quality of life.
Want to live healthier? Bl... Posted on 8/30/13 at 11:02 AM
IN THE BLACK Personal Finance articles
Following are some recent personal finance articles I have written.
Reasons not to cut up your credit cards even if you are not charging
Benefits of Cutting up credit cards
How to spend $5 less a d... Posted on 6/18/13 at 7:59 PM
REAL MONEY Nine Steps to Dealing With Medical Debt
A broken bone, mental health therapy, a long-term illness, a car accident, a premature baby. All of these situationsand so many more unexpected onescan land a family in medical debt. And you cant comp... Posted on 4/16/13 at 8:27 AM
BEST FRIENDS ND North Dakota Promotes Philanthropy Through Legislation
DECEMBER 22, 2010 8:59 PM
North Dakotans can take advantage of state income tax credits that few others in the United States can. Since 2005, state residents have been able to participate in income... Posted on 6/6/12 at 8:11 AM
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Card companies had nine months to prepare for new federal requirements while certain rules were clarified by the Federal Reserve. They used that time to take actions that ended up hurting the same customers who were supposed to be helped.
CARD Act promises a level playing field
New laws designed to get consumers out of credit card debt take effect Monday. The Credit Card Accountability Responsibility and Disclosure Act of 2009 came as the result of more than 60,000 complaints to the federal government of unfair rate hikes, hidden fees and deceptive practices.
The explosion of national debt, driven most recently by bailout and stimulus programs, has reached an alarming and critical point. The dire impact of that debt on generations to come should not be underestimated. The out-of-control spending has to stop.
The recession has stripped millions of workers of jobs, putting many behind on bills and damaging their credit records.
Unfortunately, it’s a bad time to have poor credit, especially if you’re job-hunting. That’s because employers are increasingly checking people’s credit reports before hiring them.
Even the most responsible borrowers slip up sometimes.
Maybe a utility bill went unpaid after you moved and the missed payment went into collections. Or, perhaps there are unpaid library fines or parking tickets in collections that are hanging onto your credit history and affecting your FICO credit score, which is widely used by lenders to evaluate your ability to repay a debt.
Praising him as the man who shepherded the United States past the worst economic crisis since the Great Depression, President Barack Obama today announced plans to keep Federal Reserve Chairman Ben Bernanke in his job for another term.
Just about every time I check out at a department or clothing store, a friendly clerk asks, "Would you like to save 20 percent today?"
It seems like a no-brainer. But to get the discount, I have to open a store credit card.
Would I get a good deal?
While interest rates on savings hit ugly lows, interest rates on credit cards are flying to even higher double digits for many households. The bad economy - and high consumer defaults - mean that credit card issuers are likely to continue to tighten standards, as well as increase rates and fees, said Bill Hardekopf, chief executive of LowCards.com.
Even with interest rates at historic lows and billions of new government dollars flowing into the financial system, getting a mortgage today often isn’t as smooth as it used to be. The difference between wishing for and actually getting a great deal on a mortgage can be a few dozen points on a credit score, or a few thousand dollars on an appraisal.
Mortgage rates tumbled to historic lows today after the Federal Reserve’s sudden decision to print $1.2 trillion and pump it into the economy, a move that also triggered warning signs of inflation — a weaker dollar and the highest oil prices of the year.
Jeannine Aversa and Alan Zibel
, March 19, 2009
Here is a puzzler your college-age student might not find in a math textbook: How many months will it take to pay off an $8,000 loan, assuming you're being charged 18 percent interest and you're making payments of $150 a month to whittle down the balance?
Under rules adopted in mid-December by the Federal Reserve, banks will no longer be able to raise credit card rates without good reason and must give you more warning - and in type that's more prominent and visible on your billing statement.
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