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Strategies for Post-Graduation Budget Success

Written on May 14, 2011 – 8:38 pm | by Alicia Ross

Congratulations to you, recent grad! You’ve just received your degree, and now you’re ready to enter the world.

But get ready, because you’re not in college anymore.

Whether you’re entering the working world or continuing your job search, you’re going to need to budget, especially if you’ll be paying off student loans, like over a third of Credit Karma users.

Consider some of the following tips for making smart money choices to budget your money.

Watch your costs.

Credit cards. In order to build your credit, a credit card can be a useful tool. But if your card tempts you to spend money you don’t have, take extra precautions. Leave your credit card at home when you go out with friends and take cash you’ve budgeted for the evening. Use your credit cards on expenses for which you’re prepared to pay back in full, like a grocery run. And be sure to pay off your balances each month or you’ll find yourself paying a lot of interest in the end.

Rent. Maybe you’re tempted to get an apartment all to yourself that’s a big step up from your college dorm. Don’t go overboard on a

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A careful review on debt relief companies

Written on May 14, 2011 – 12:06 am | by admin

It may be easier to define some companies as the best debt relief companies in industry after listening to some peoples’ views and advice, but it takes time and effort to look through many available debt solutions and then to decide and nominate a company as the best in the field, so borrowers should test it with different tools and measures. When the borrower will decide on a debt relief company, taking it as the best way out of debt, he / she will need to do some research to make sure that the chosen company is the best variant according to their situations.

There are a variety of qualifications to compare, from the industry reputation of the companies you are considering the specific characteristics of the consolidation program debt to rates and fees charged for services. A careful review will help you avoid potential pitfalls and to move towards achieving your financial goals. To begin, a thorough knowledge of the debt consolidation agency you are dealing with analysis services and debt consolidation provided by it. This industry has grown exponentially. In addition, services for people who are often vulnerable due to lack of financial knowledge and extensive experience. Read more…

Tags: debt solutions

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US has now introduced the chip-and-pin technology

Written on May 11, 2011 – 11:39 pm | by Nicole Gutierrez

For those who are frequent international travelers it would be a familiar sight to see their cards being rejected when they travel abroad. Most people would have experienced some hitches while trying to make a purchase using their credit cards while they are travelling abroad.

The reason for this is since the last few years most countries other than the US have already made the switch from the magnetic stripes to the chip-and-pin technology in the credit cards. The magnetic stripe cards required swiping and signing while making a purchase, but the chip-and-pin card means the technology reads the chip embedded in the card and the card is subsequently verified using the PIN that is entered by the customer to complete the transaction. Most customers have faced these frustrating situations while traveling abroad. But there is some reason to cheer now.

At least two banks in the US have announced that they are getting into the chip-and-pin bandwagon. While most of Europe has already switched over to this new technology, there are also many countries in Canada, South America, and Asia that are converting to this technology.

Wells Fargo as well as Chase are the ones in the US, to begin these new programs that have the chip as well as the swipe capabilities.

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iPhone Credit Card Reader

Written on May 11, 2011 – 8:56 pm | by Nicole Gutierrez

You can now make payments through your local brick-and-mortar retailers using the Square credit card reader through your Apple iPhone! Soon available at Apple’s retail stores and official website, the device allows you to plug a retailer’s reader from a retail outlet or online and insert it into the iPhone 4. Once plugged into the iDevice, you will need to download the free Square app from the App Store and employ the offering without entering into contracts or paying monthly fees. Compatible with the iPhone 4, the fourth generation iPod touch and the iPad, the Square credit card reader helps users track sales and taxes and transfer of receipts. No more lines, no more waiting!

Tags: Card Reader, Credit Card, Credit Card Reader, Reader

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Consumer Card Balances Starting To Rise in March 2011

Written on May 6, 2011 – 12:43 am | by Adam Gomez

According to a recent report from the Federal Reserve, revolving credit rose in March for just the second time in 31 months.  After leveling off mid-year in 2010, revolving debt once again ticked up in December 2010.

Difficult to tell why consumers are once again adding to their revolving debt balances, but one possibility is that consumers are starting to feel much better about the economy in general.

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Tags: March, March 2011

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How Your Tax Refund Can Make You Rich

Written on May 1, 2011 – 10:58 pm | by Adam Gomez

Along with Christmas and the back to school season, retailers look forward to tax refund season, when Uncle Sam is dishing out tax rebate checks.  They frequently time the launch of new products and services to entice you to spend your newfound wealth.

As seductive as that the new iPad looks, think before you buy.  Financial experts often advise clients to first pay off interest-bearing debt like a credit card before beginning a wealth building program.  Lets see why.

Meet Debbie Debtor Debbie Debtor is the average U.S. consumer carrying $3,000 in credit card debt with an annual percentage rate (APR) of 15%.  Keeping the calculation simple, she accumulate $450 in interest charges by year end.  You can see in this chart how the interest expense varies with your balance.

Debbie recently received her $3,000 tax refund.  She is faced with a conundrum.  Should she use the money to pay off her credit card, splurge, save/invest, or some combination of the three?

Pay It Off If she uses her rebate check to pay off her credit card, she saves $450 in interest expense. Resul

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Tags: Refund, Tax Refund

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