Archive for March, 2009
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Credit Card Company Reversing Fee
Some good news for credit card users. Chase Bank has agreed to drop the flat monthly service fee, which it added to more than 184,000 accounts in January. In addition, anyone who was charged the fee will have the money refunded. It took the attorney general of NY to broker this deal on behalf...
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I am refinancing
Several articles on this site discuss refinancing from a theoretical point of view. I thought I would share my experience with an actual refinance. I am refinancing for a reason I haven't seen discussed anywhere- to substantially lower my payment. I am moving from a 15 year mortgage to a 3o year mor...
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Advanced Budgeting
In a previous post I explained my method for setting up a budget. Not only can a budget help you spend and save, but once it is working for you, a budget can provide financial flexibility. In order to get maximum flexibility from your budget, first try to get yourself into a position where ...
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Sneaky Tricks from Credit Card Vendors (Part 4)
Credit card companies need to make money just like everyone else. If they couldn’t make money by extending credit, they wouldn’t be in business, and that would force us to pay cash for everything from coffee to vacations. There is obviously a place for credit cards in our society. However, so...
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Sneaky Tricks from Credit Card Vendors (Part 3)
Credit card companies need to make money just like everyone else. If they couldn’t make money by extending credit, they wouldn’t be in business, and that would force us to pay cash for everything from coffee to vacations. There is obviously a place for credit cards in our society. However,...
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Setting Up a Budget
Do you have a budget? Many people think of a budget as almost a form of punishment that keeps them from spending money on things they want. If used correctly, a budget is a powerful tool that can help you get the things you want in life. So why not start one today? I like to use a combinati...
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Sneaky Tricks from Credit Card Vendors (Part 2)
Credit card companies need to make money just like everyone else. If they couldn’t make money by extending credit, they wouldn’t be in business, and that would force us to pay cash for everything from coffee to vacations. There is obviously a place for credit cards in our society. However,...
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Sneaky Tricks from Credit Card Vendors (Part 1)
Credit card companies need to make money just like everyone else. If they couldn’t make money by extending credit, they wouldn’t be in business, and that would force us to pay cash for everything from coffee to vacations. There is obviously a place for credit cards in our society. However,...
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Thinking of Refinancing?
Pretty much the only good thing about the tanking economy is that interest rates are down. Not such a good thing if you’re saving and investing, but potentially helpful if you want to refinance your home. Over the last years lenders have been approving some pretty crappy loans. If you have o...
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Saving on Groceries
Today's paper brought more reports that the food manufacturers are refusing to stop the price increases. So in addition, to using coupons how can you save money on your grocery bill? If you have more than one store near your home, look through the store fliers and choose the store with the best s...
