Finance Globe

U.S. financial and economic topics from several finance writers.

Do You Need an Emergency Fund?

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When everything is going as planned with your finances and life in general, you don’t see much reason to have an emergency fund. It’s easy to believe that everything will remain the same into the future. However, don’t be fooled. Things can and will go wrong, ranging from the current coronavirus pandemic to a necessary home repair. With an emergency fund in place, you have money to fall back on should you need it to get...
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6 Signs You Don't Need a Rewards Credit Card

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Rewards credit cards hard to resist. Credit card issuers are constantly improving their rewards programs, offering bigger signup bonuses and more opportunities to earn. Even if you're not on the market for a new credit card, you may change your mind after seeing what many of the latest credit cards have to offer. As tempting as it might be to sign up for a new rewards card, they're not for everyone.You don't pay your balance in...
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Frank
Thanks for the tips Latoya. I do think credit cards are useful only if you use them for the right reasons!
Friday, 20 September 2019 11:42
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7 Credit Card Resources Worth Reading

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Are you happy with your current credit card? Are you on the search for something new? Do you have big plans for eliminating your credit card debt in the near future?Regardless of your situation, it’s nice to know there’s always somewhere to turn for advice and guidance. The internet has made it easier than ever to collect information that can be used to your advantage.While there’s no shortage of credit card resources to review, here are...
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How to Pay Medical Bills you Cannot Afford

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If you are young and healthy, you probably are not that concerned about medical coverage. However, that doesn’t mean you won’t have an unexpected medical emergency and get you stuck with a huge medical bill. Some medical expenses can be so high they reach over 5 figures. Below are a few helpful tips and ideas. Please feel free to write any questions in the comments section below.Understand what happens when bills go unpaid: After a period...
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Wanderer
Good information and your stressing the point about not ignoring the medical bills as they can affect your future for many years i... Read More
Thursday, 15 August 2019 20:02
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Why Should You Read Online Credit Card Reviews?

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Comparing credit cards is both easier and more difficult than ever before.On the plus side, there are two things working in your favor:•    The large number of credit card offers to compare and choose from•    The ability to gather information onlineConversely, a large number of credit card offers can also lead to frustration, as there’s always something else to consider. This can lead to a situation in which you’re afraid to take the final step of...
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Frank
There are so many websites out there that offer great reviews, including this one!
Monday, 26 August 2019 13:36
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Saving Money by Reducing Food Waste

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Wasting food is money wasted. Follow these simple, environmentally-friendly tips to help reduce food waste and save moneyShop smart.While buying in bulk is convenient, it is more likely to lead to food waste. Frequent trips to the grocery store every few days, rather than one bulk shopping trip, can help to avoid buying more food than you need. Make a shopping list and stick to it. This will help you to buy only what you need. Store produce...
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5 Credit Card Transactions That Are Just Like a Cash Advance

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Cash advances are one of the most expensive types of credit card transactions. These transactions come with a higher interest rate and a cash advance fee. With most credit cards, you don't get a grace period to pay off the advance and avoid paying a fee. Most people think of a cash advance as using a credit card to get cash from an ATM. Your credit card issuer may treat other types of cash transactions as cash advances....
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Wanderer
The break out of what is a cash advance is useful. Seems it gets lost in the actual terms and conditions lenders include in the or... Read More
Saturday, 13 July 2019 03:18
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Storing Your Credit Card for One-Click Payments

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When you make frequent online purchases from the same retailers, you might consider saving your credit card information for one-click payments. This lets you check out quickly and easily without having to enter your payment and billing information each time. Storing your credit card details is certainly convenient, but is it safe?Just having a credit card puts you at risk of credit card fraud. The more places you've stored your credit card information, the greater your...
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Recent Comments
Finance Globe
Thank you for the reminders on important things to consider when storing card info. One thing that I feel as secure as possible is... Read More
Tuesday, 09 July 2019 21:28
Wanderer
In today's hacked world, I am not one to store any credit card info. Never know who will get hacked next. Only enter the card info... Read More
Saturday, 13 July 2019 03:22
Frank
I completely agree Wanderer. There is 100% guarantee your credit card information will get hacked. Good news is you are protected,... Read More
Monday, 26 August 2019 13:26
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What are the Drawbacks of a Secured Credit Card?

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Do you have poor credit? Are you struggling to build a credit history? Do you have concerns about ever qualifying for a credit card?Despite your stress, there are things you can do to put yourself on the right path. For example, a secured credit card comes with a variety of benefits:•    Easier to obtain than an unsecured credit card•    Low fee structure•    Refundable deposit (if you meet the terms and conditions)While these benefits are sure to...
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What's the Risk in Closing a Credit Card?

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You may think nothing of closing a credit card you no longer want. Maybe you have too many cards or you have one that doesn't pay any rewards. because you have too many cards or that one doesn't pay any good rewards - you may think nothing of simply closing out the card. That way you don't have to deal with it anymore. However, closing a credit card may have some unintended consequences.Potential Impact to Your...
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