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Looking for Credit Card "Perks"
Though I don't recommend Chase as a bank, but rather a local credit union. Hope this helps. I'll be interested in what others say too if others have found ...
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- The newest program I have registered for is uPromise. It's a 529 savings plan to save for school expenses. These expenses could include college tuition, room and board...
- Actually, someone mentioned only using "store cards" for special sales, etc. But, the GAP actually has a new GAP Visa... it can be obviously be used at GAP/Old Navy/B...
- Personally, I like cash back. My favorite is probably the original Discover Card (1% back + monthly special purchase categories that give you 5% back). They also let y...
Home Equity Loans
as for HE loans, try smaller community banks, and if you belong, even a credit union. the latter have started to delve into lending a bit more in recent ...
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- I agree with others about going to local bank. You want someone you can talk to face-to-face. I will warn you that the loan process is much more difficult these days...
- If I were you I would try this: http://www.fatwallet.com/forums/finance/ The people on this forum are VERY knowledgeable and always answer all my questions. They h...
- Hi A., Go to your local bank. Talk to the financial consultant. See what they have to offer. Good luck. All the Best. D.
Refinancing
I had my best luck with a credit union they have the best rates. However, most banks are not that competitive in fixed rate loans. I've had better luck with ...
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- I am a mortgage lender and I'd love the opportunity to assist you. Typically banks do not have the lowest interest rates out there - this is primarily due to the fact...
- I'm not in the business but my husband is so I know a little about brokers. Just remember that a broker is a "middle man" that will broker the loan out to a bank or mo...
- I had my best luck with a credit union they have the best rates. However, most banks are not that competitive in fixed rate loans. I've had better luck with fixed ra...
Back to School and Teenage Shopper.
You would be better off getting him a bank card with a cash limit with his .... I work at a credit union and legally, Visa doesn't allow that in this day ...
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- You would be better off getting him a bank card with a cash limit with his name on it. I know that I was would still be if I worked retail one that would not let that ...
- Or you could buy him a 'mall gift certificate'. Most shopping malls have these that are good for every store within the mall. That way you can set a spending limit in...
- I work retail and we're not allowed to accept parent's credit cards from teenagers. In the event that the card is taken without the parents knowledge and they dispute ...
Has Anyone Downloaded Their Banking History to QB?
Ladies, I recently realized that my credit union offers the option to download your ... I have not actually downloaded my statements diretly from my bank to ...
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- Hi V. I have not actually downloaded my statements diretly from my bank to Quickbooks but I do do everything else on Quickbooks. My husband and I own a landscaping...
- I have been doing it for years with several different banks - it is wonderful!!!
- I do it all the time. For my self and for my business. I haven't had any problems. I hope this helps Thanks G.
What to Do with 401K
I would go to your bank and ask them for suggestions...I got to a Credit Union and they helped me find something that I could manage on my own without a ...
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- I would leave it in place. In order to cash it out to put it in a CD/MMA, you would have to pay a 40% tax on early withdrawal. If you are concerned about your 401k, ch...
- Or invest some of it in "poor people". By that, I mean, don't invest in high tech, etc. Invest in Walmart, etc....since they made TONS of money this last quarter, wh...
- That is accurate. You should leave it in place. If you can put a little more in there in fact, it would be the best time to buy mutual funds.
Teaching Kids About Money
You might even contact some banks/credit unions. They sometimes have programs for kids to learn more about money. I think KeyPoint Credit Union does. ...
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- R., One of the things that you could teach them is the value of giving to others. That is a big goal of mine in teaching my kids not only the value of money, but eve...
- HI R., One of the things I will teach my child is social responsibility. Sure, I would let him buy what he wants but he should be saving some of his money and find...
- I just wanted to agree with everything that has been said. Especially Allison who said they have to learn from experience. Our kids (7 and 8) are only allowed to spend...
Allowance
I would put 80% in the bank for him, and he would be allowed to keep 20% for ... WE WERE DONE WE WENT TO THE BANK, I USE BELCO COMMUNITY CREDIT UNION AND ...
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- Hi B.- We have 2 kids, 10 and 6 years old. This is the way we do it: they have "family chores" like cleaning their room, picking up their dirty laundry and making...
- My son will be 8 in September. He has a list of chores that he is expected to do as part of the family. If he does extra jobs he gets "paid" for them. Different amount...
- Hi B., I use basically the same system as Amy. My daughter is 8 and has 3 banks. One is for saving, one is for spending and the other is for "special" items. When ...
529 Plans
So, if you use a credit card for regular purchases and you're not worried ... this after I had already set up the Credit Union and Coverdell college plans. .... periodically by transferring money from your bank account into the 529s. ...
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- We opened 529 plans for our sons with Utah (Utah Educational Savings Plan). Since there is no tax benefit to opening a 529 in California, we looked out of state. The U...
- Hi. The 529s are fairly easy to deal with especially if you do it online. I get intimidated by long-term/investment/financial stuff but even I could handle this. If yo...
- A good friend of mine passed this info along to me a while ago. We haven't set it up yet but plan to - it sounds like a great way to go. It's called "CollegeBou...
Bankruptcy
Safe Credit Union, even if you don't belong, call your own bank they may offer something similar due to the recent economic crisis ???? It's worth a try . ...
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- S., We just filed chapter 11; or 7 i forget which one. Anyway, our attorney is in Auburn, we went there because he was recommended to us by a friend. He really knows ...
- Hi S. sounds like you are in a real bind. Some things to consider APART from bankruptcy and maybe a way to get your financial life back on track. Have you considere...
- Dear S., I'm so sorry to hear you are going through all of this. You are certainly not alone. Times are really tough for people right now. A friend of mine is goi...
