The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers’ behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you [...]
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What does this mean to you? When you make purchases on a credit card, make payments to [...]
Payday loans, sometimes called paycheck advances or cash advances, are small, short-term loans. (Don’t confuse this “cash advance” with the term used when you borrow money against a prearranged line of credit. They are far from the same thing.) These payday loans do not require a credit check and are typically for amounts smaller than [...]
To save $100 a month, you need to spend $3.25 a day less than you do now. Does that sound so terrible? With a little bit of ingenuity, you can pull it off without having to live like a recluse hermit. And, once you are in the groove, you can use that $100 a month [...]