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U.S News showcases my ‘credit education’ blog

Written on October 29, 2011 – 4:46 pm | by Adam Gomez

You may have heard about “Credit Educator,” a new service from credit bureau Experian that offers one-on-one credit education by phone. For a cost of $29.95, consumers can speak with a specially trained Experian representative who can answer questions about the consumer’s credit score and report.

I’ve written about the topic before for CreditCards.com , but more recently discussed the topic for U.S. News & World Report’s “My Money” blog.

My blog post, “Credit Education Just a Phone Call Away,” outlines my personal experience testing the new Experian service. Check out that blog to read about what I learned about the service — and my own credit.

Tags: Credit Education, Education

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Lemon Makes Digital Copies of Paper Receipts

Written on October 29, 2011 – 9:05 am | by Alicia Ross

If you’re like me, receipts seem to multiply in your wallet, balling up or shredding and generally making a mess, until I throw them away in annoyance. A new smartphone app called Lemon aims to address that problem, by making digital copies of your receipts and organizing them in handy files.

To use the app, you download it onto your phone and register for an account. (It’s free for up to 100 receipts a month; fees apply for heavier use). Then, when you make a purchase, you take pictures of your paper receipts with your phone’s camera. Lemon automatically files them and creates a summary, including the date and amount of the expenditure. You can choose a category to file it under, like “business” or “personal,” “cash” or “credit card.”

The app also makes it easier to use the digital receipts that some stores, like Best Buy, are now offering. I have so far declined to give my e-mail address for such receipts, for fear of being spammed to death. Lemon assigns you a dedicated lemon.com e-mail address that you can provide for digital receipts, to keep them from clogging your main e-mail accounts.

During one recent week, having just returned from a trip, I decided to give the app a try. It downloaded quickly

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Tags: Receipts

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Roth IRA is retirement jeopardy?

Written on October 28, 2011 – 10:12 am | by admin

There is no reason for the joker in the Batman DARK KNIGHT film to save for his retirement, because he doesn’t have a family and our hero Batman is always there to play trump card with him. But, imagine what would happen to your family or those who depend on you and you are no more and the worst thing is that you haven’t even saved a dime for those people. Ok, don’t get freaked up now you’re here it means you have started thinking for your savings, the best thing for retirement plan is Roth IRA. To have a wide knowledge on Roth IRA visiting page roth-ira.org is a wise advice.

The contributions that you can make to your Roth IRA account is $5000 per year and once when you reach the max level for contributing you’re no more allowed to contribute such hefty cash but a $200 amount can be contributed and also you’re not restricted within Roth IRA (which is, you’re allowed to open a traditional IRA account also). There is no o Read more…

Tags: roth ira

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Which Credit Card is Best for College Students?

Written on October 26, 2011 – 11:46 pm | by Nicole Gutierrez

Despite all the bad press surround credit cards for college students, there are many responsible young adults that can take advantage of this opportunity, and start building a solid credit score. The following are just two of the more attractive credit card offers for college students.

The Blue Cash Everyday from American Express is a great option because it offers unlimited cash back on commonly purchased items. This includes 3% of what you spend at supermarkets, and 2% at gas stations and department stores.

Since food, gas, and clothing are some of the main needs of a college student, it only makes sense to have a credit card that will reward you with cash back when you purchase these items. Card users will also earn 1% cash back on anything else they purchase with the card. Thats right. Anything.

The Discover Open Road card also offers 2% cash back on gasoline. Additionally, it offers 2% back on food purchases made a restaurants. This 2% applies only to the first $250 worth of these items that are purchased each month. After that, you will not earn 2% additional cash back until the next month.

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Tags: College Students, Credit Card, Students

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Debt is Making me Ill – What To Do?

Written on October 21, 2011 – 1:01 pm | by Alicia Ross

Contrary to what most people deem debt problems are never unsolvable. The solution may not be simple or speedy, but there are means to take at any time. Debts are critical because they develop quickly over time, and mushrooms into a mess fast. The faster you take care of them, the more uncomplicated they are to sort out.

Being situated in debt can cause you to feel like nothing is manageable and that you or anybody else for that matter doesn’t seem to have anything that can be done about it. Presuming that you’re hopeless is inevitable, especially during the time when your debt worsens and slowly blowing out of proportion. It can further result to becoming ill at ease and ashamed to even converse with anyone regarding the financial situation that you’re confined in. A recognition that no one else is to be blamed for the hitch is your slipup will help you allow the guilt in; even supposing it was a result of your intellectual or bodily health difficulties. It leads to so much stress and misery.

A person bearing the debt burden makes them physically and emotionally sick. The k

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Tags: Debt, Debt Making

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A brief guide on choosing a money transferring service

Written on October 20, 2011 – 3:07 pm | by admin

Foreign currency exchange is an important element of the global economy’s functioning in a proper manner. Many small and large businesses are dependent on these rates. So you need a reliable service on currency exchange as Caxton foreign exchange, because it is almost impossible to orientate at this floating market without some experience in the area.

Even if you not a businessman you may need to review the fluctuations on the exchange rates. When you are travelling, you often have a necessity to exchange money quickly. Some people prefer to buy goods in other countries, so they can save money on the appropriate exchange rate. As usual money transfer services are available online that makes the most transactions quick and with affordable rates.

When you need to change currency in a foreign country you have several options like banks, debit and credit cards, airports and even reception desks but the most convenient way is using online exchange services.

On the other side when you transfer money to your family or pay a mortgage, considering exchange services is always useful. S Read more…

Tags: Caxton foreign exchange

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