I Have A Lower Credit Card Rate (And Why I Don’t Care)

So one of my credit cards just informed me that I have a new lower credit card rate for purchases. The original rate was 17.99% and they have now graciously lowered it to 13.99%. I never pay attention to the rates on my credit cards because those only matter if you carry a balance from month to month. While the drop of 4 percentage points seems like a great improvement I am really not impressed. I don’t care what the interest rate on...

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Got A $20 Discover Gift Card!!!
Jul29

Got A $20 Discover Gift Card!!!

I love it when I can actually redeem the points I earn from using my credit cards, and get something useful. I use my Discover gift card to buy gas because I get extra points there and sometimes I will use it for other large purchases such as tuition payments etc. I recently was able to redeem a bunch of points that had been building up on the Discover account. I opted to get a Discover gift card instead of a gift card for a...

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Always Monitor Your Credit Report

I had my students pull up their credit report for an assignment a few monthss ago and they were supposed to write a report on what they found. One of my students got a very unpleasant experience when he pulled up his report because he found out that someone had been using his personal information to get credit accounts set up. It actually turned out to be a family member who know his information and had opened  a series of credit...

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Rolling Budget Concerns (In Mint)
Feb04

Rolling Budget Concerns (In Mint)

When I decided to have a rolling budget for the entire year of  2013 I did not anticipate the problems that were potentially associated with such a venture. I previously had my budget set up in Mint and it would reset the categories every month. I also kept a spreadsheet where I could enter my receipts on a daily basis and that also helped me to keep track of what I spent. I mostly kept the spreadsheet to monitor what went on each...

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Credit Card Surcharges Now Legal..But May Not Happen
Jan28

Credit Card Surcharges Now Legal..But May Not Happen

So apparently there is a new surcharge on credit card purchases. Some legislation has come into effect that allows merchants to place a surcharge on purchases made with a credit card as a way of passing on their fees to consumers. The surcharge can run from 2% to 4% of the cost of the item and can be added to the amount you as a consumer pay. The catch to it is that any merchant who adds the surcharge must post a clearly visible sign...

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