Bank fees: Are they Fair and Reasonable?

The popularity of banks and their practices have been in a steep decline for the past few years. What people used to write off as a few reasonable monthly bank charges are now adding up in the millions, and not in favor of the consumer! It wasn't that long ago that to have a $35.00 bank fee was quite disturbing and back then the consumer and their banker usually haggled quite hard as to who would keep the charge. Boy, have things changed! If you do an internet search on bank fees, or even a search on any popular bank name +...

How to get a job when the company is not hiring

Sometimes it really is possible to be able to get a job even when the company tells you that they are not doing any hiring! Read on and learn how to approach this possibility. This has happened before! You can get hired even if the company tells you that their company is not hiring! Be sure to apply in person at the company of your choice. Be well groomed of course and do have your resume ready. Going in for an interview the first thing in the morning is a great way to impress them. Do not go in at lunch time or closing...

Tips on how to get a job when homeless and unemployed

If you find yourself homeless, the first thing to do is to get started right away on finding employment. Even if you are homeless and unemployed, you can still find a job. Here are some tips to do just that. Follow these tips and suggestions if you find yourself homeless and in need of employment and hopefully you can land back on your feet much sooner. The most important thing when going for job interviews and to places where you will be requesting job applications, you will absolutely have to be decent and to be as well...

The Best Ways to Save When Buying Groceries

Buy an upgraded membership at the grocery warehouse. It will cost you more upfront, but will pay for itself in the long run. Costco's Executive membership is $100.00 upfront, but you get 2% back. Do the math; if you go to Costco every week, you'll in effect get your membership for free and get money back! Also use the coupons that the warehouses send out. If you plan your shopping accordingly, you can save on items that you stock up on. Be smart about where you buy certain items. Every time I go to my grocery warehouse, I'm...

Never Too Early: How To Start Saving For Your Retirement

The truth about saving money for retirement is that it is NEVER too early to start saving money for retirement. What people may not know at an early age however is how to start saving for money for your retirement. The biggest problem with finding out later in life that you hate your job and want nothing more than to sip drinks on the beach is the fact that it takes years and years to build wealth and if you decide too late you want to retire young, you may have missed the boat. So no matter how old you are there are certain...

Saving money without coupons

We've all seen the stories on the news about how this person got $268 worth of groceries and only paid $13.62. They clipped coupons and used them on triple and double coupon days and in conjunction with sales. That is a really cool idea. But, not every one is lucky enough to be able to do that. There are many areas of the this country that don't even do double and triple coupon days. So, you just have to find some other ways to cut down on your grocery bills. The best way to find the best deals is to look at the store...

Take Charge of Your Credit, Debt Solutions

We charge up a lot of debt with credit cards and debit cards, but have you purchased with a charge card yet? Not a credit card. Not a debt card. Yes, a charge card. The primary plastic pusher of charge cards is American Express (AMEX). AMEX charge cards require cardholders to pay off their balance in full each month and-or billing cycle. There is usually an annual membership fee for the charge card but no interest or other monthly fees like regular credit cards as the account holder is not able to hold an outstanding balance...

Understanding Your Credit Report and Credit Score

Do you know what your credit report looks like, what it contains, and what your credit score is? If you are like the average American chances are you answered no to all three questions. And when it comes to your credit score and credit report – ignorance is far from bliss. Your credit report and credit score are a measure of your past, present, and future financial health. This measure is used by lenders when determining risk when you apply for credit card, loan, or other items related to finance. The Difference Between...

Tips For Credit Card Users

I have been a credit card holder for 3 years now. In those 3 years, I have certainly learned a lot. Some of these I learned the hard way. A big outstanding balance was my punishment. The following are some of them: 1. Know the important dates in your credit card. These are the cut-off date, statement date, due date and card expiration date. These crucial dates can be seen in your credit card statement. Before purchasing, I advise you to pause for a moment and think if what you are about to purchase is within the cut-off date...