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Your Guide to Banking

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Best Bank:  From the little fees banks charge you, they get a big chunk of their revenue. But you can avoid paying up.From fees on consumer accounts comes more than 40% of bank revenueToday banks can make money from convenience and inconvenience. In this article you will learn how to take advantage of the bank services and avoid paying many fees. Choosing a bank Deposits in most banks and savings associations are insured by the Federal Deposit Insurance Corp. Their coverage was recently raised to $250,000 per person, per insured bank. To identify the insured bank look for the FDIC sign....

Bank Expert on August 21, 2009 0

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How to Protect your Credit Score

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Money Saver:  Due to economics down turns peoples’ credit score went down. You can protect your credit score by knowing what impacts, actions affect it and how: 1. Your card issuer reducing your credit limit A FICO study of 11 million credit files from April 2008 to October 2008 found little to no negative impact on most scores, including those of people whose credit limits had been cut. Majority of people had no risk trigger (late payments,...

Bank Expert on August 6, 2009 0

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Your Сredit Score

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Mortgage & Refinance:  The rate and the loan amount determine your monthly interest and principal charges. The amount of the loan and rate depends on several factors. The rate is affected by discount points you pay, your credit score and whether the down payment is less than 20 percent. The home's price and the size of the down payment affect the loan amount. Besides for the borrowers who make a down payment of less than 20 percent there is the matter of mortgage insurance. Things that determine your mortgage payment...

Bank Expert on July 15, 2009 0

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