With interest rates on savings accounts at historic lows, certificates of deposit (CDs) are on the minds of many. The longer the term, the higher the rate of return. That also means a longer period of your money being locked up — out of reach for emergencies and/or unexpected life changes. Herein lies the rub…
Most taxpayers have a reasonable continuity in their income from year to year. In other words, most people make similar amounts of money from one year to the next. There are certainly changes after promotions, raises, career shifts. Annual incomes can be drastically lower when a tax year includes a period of unemployment because of…
You likely won’t come across another bank quite like Redneck Bank. When you visit this online bank’s website, you are met with the large image of a mule complete with animated eyes. Opposite the mule is the account login button, which is an icon of a little outhouse. Underneath the bank’s name is their slogan,…
A lot of the financial posts you’ll read online talk about where you should be investing your money. The problem for guys like me is that I don’t have money to invest! Slowly but surely I continue to save every penny I can in an online savings account so that one day, I have enough…
Did you know that you could fight climate change with your credit card? With a growing demand for environmentally-friendly products in the financial space, there’s finally a credit card designed for those seeking greener options to reduce their carbon footprint. Aspiration is determined to help you reduce your carbon footprint. Here’s what you need to…
In October of 2009, I decided that I would no longer run the 9-5 gauntlet. And with that decision came a few immediate changes in my life. Working from home and for myself meant that I could set my own schedule, make my own decisions, and only have myself to blame when something I implemented…
Balance transfer credit cards offer an enticing way to pay down debt. With no interest for up to 21 months, these 0% cards can take the stress out of the budget. There’s just one problem…. the balance transfer fee. Credit card companies typically charge 3% or 4% of the amount transferred as a fee. This…
MyFICO, a division of Fair Isaac, is an excellent place to obtain and monitor your FICO scores. For new customers, myFICO offers a few options to obtain your FICO score online straight from the company that created the FICO score. There are a couple of paid packages to choose from, depending on your credit tracking…
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