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Beat Back 5 Financial Fears

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Money Saver:  Everyone's got concerns when it comes to money, but some have fears that can really put a big hole in their financial future. Here's how to overcome five common ones. 1. Fear of coming clean with your partner You know it's bad. So bad you'd really rather keep it to yourself. Why, you figure, ruin your partner's day with news of your mounting debt or the fact that you've been living off your savings? Because if you don't, the truth will out at the worst possible time -- like when you go to apply for a mortgage and realize that your credit score or lack of savings is killing ...

on December 10, 2009 0

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Save Money on Credit, Debt, and Banking

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Money Saver:  Balancing credit cards, student loans, checking and savings accounts can be quite daunting. Make sure you aren't paying more than you should -- and that you're getting all the benefits you deserve -- with these 12 tips Unload Your Burden Carrying a $1,000 balance at 18% blows $180 every year on interest. That's money you could put to better use elsewhere. Get in the habit of paying off your balance in full each month. If you've already racked up a large balance, do what you can to pay it off. This may sound obvious, but it is the best way to save money on those hefty inte...

on December 8, 2009 0

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The top 10 online banks

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Best Bank:  Five years ago, Greg Downing looked into online banking but balked at his bank's $5 monthly fee to pay bills online. This year, Downing read about a Web-only bank that charged a much lower price: free. "I gave NetBank a chance, and I've never looked back," says Downing, 33, a project manager for Acambis, which makes smallpox vaccine. Does he miss his old brick-and-mortar bank? "Only when I have a jar of coins to deposit," he says. As Downing discovered after he opened his NetBank account, paying bills with a mouse click is only one labor-saving feature offered by online banks. Other attribut...

on November 24, 2009 0

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Your 5-minute guide to banking

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Best Bank:  Banks today make much of their money from convenience -- and from inconvenience. More than 40% of bank revenue now comes from fees on consumer accounts. But a careful customer can take advantage of the services banks offer and avoid paying many fees. Also, you could consider joining a credit union. Choosing a bank The Federal Deposit Insurance Corp. insures deposits in most banks and savings associations in the United States. That coverage was recently raised to $250,000 per depositor, per insured bank. Insured banks display the FDIC sign. If you have money in a credit uni...

on November 17, 2009 0

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How to Avoid Bank Fees

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Money Saver:  You should know that some banks steal money from their customers. But pay attention, that they usually do it in a legal way. We hope that this article will help you to avoid such bank fees and not to become a bank’s victim. 1.  An overdraft fee is one of the most popular fees encountered at a bank. It can be very high – $40 each.  These could be on checking accounts, and severely on savings accounts. Keep track of your balance very closely to avoid this fee. Check your balance every time before using your credit card or writing a check. 2.  Having encountered...

on September 2, 2009 0

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