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Financial Literacy

8 tips for better credit and better health

Do you wish you and your family had leaner bodies and fatter wallets? You might think accomplishing either one of those would involve a lot of grueling work, but that's not always the case. The good news is that making some simple changes in your life can improve both your physical and financial health. Here are [...]

Categories: Financial Literacy, Building / Rebuilding Credit
Types of credit cards: A comprehensive cheat sheet

Choosing the best credit cards for your wallet is a strategic way to save money, score perks, and build a strong credit profile. But like most things these days, consumers have a ton of choices when it comes to plastic preferences, which is why it's important to evaluate your options. "People don't realize how much credit [...]

Categories: Financial Literacy
In the military? 5 ways to protect your finances while protecting our freedom

Military families have many worries that other families do not have. And a recent study from National Federation of Credit Counseling of active duty military personnel showed that military families have one more worry on their plate -- financial instability. The survey showed the 77 percent of respondents have financial worries and 55 percent feel [...]

Categories: Financial Literacy
Processors vs. issuers: What consumers should know

Believe it or not, whenever you use your credit card, there is a lot going on behind the scenes of each transaction. While a lot of it might seem as exciting as reading a legal document, it does benefit you as a consumer to understand the major players involved in your financial business. Here, we break [...]

Categories: Financial Literacy
What type of credit card user are you?

You may not give much thought to how you use your credit card, but your issuer sure does. Credit companies know that you fit into one of three distinct credit card personality types. Here's a rundown of all three. Type 1: the Revolver Let's get this out of the way first -- if you're a Revolver, your [...]

Categories: Financial Literacy
How long do I save my credit card statements?

Now that the holidays are over and a new year has begun, many people are using the time spent indoors on chilly winter days to declutter and organize paperwork in preparation of tax season. Before you pull out the shredder, it is essential to understand what papers and statements you need to save and what [...]

Categories: Financial Literacy
5 books for a credit-smart 2014

Here's a secret that you may already know but it can't hurt to remember: personal finance is a skill. How you use your credit, where you put your savings, how you invest for retirement or for your children's future -- it all takes knowledge, patience and planning. That said, just about any skilled practitioner will tell [...]

Categories: Financial Literacy
Can credit cards help you stay on budget?

In the third quarter of 2013, total household indebtedness in the U.S. rose to an astonishing $11.28 trillion dollars, up 1.1 percent from the previous quarter. And, according to government data and Federal Reserve statistics, $4 billion of that increase can be attributed solely to credit card debt. So, what does this tell us? It [...]

Categories: Financial Literacy
4 ways to prep your finances prior to retirement

Would you like to retire in about five years? Prepping now will lead to smoother financial sailing during your long-anticipated retirement years. Here are four ways to prepare your finances for your fast-approaching retirement years. Credit cards Don't lose money that could be used for your retirement on high-interest credit card debt, advises Kathleen Campbell, a certified financial planner [...]

Categories: Financial Literacy
Who's in your wallet?

When you share a credit card with someone, you are effectively giving them access to your wallet and your reputation. You need to be careful about who you grant that access to, and what they are doing with it. On behalf of CardRatings.com, survey company Op4G asked 2,000 adults about their credit cards. The answers give [...]

Categories: Financial Literacy
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