Finance Globe

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

Top Benefits of Online Credit Card Management

Top Benefits of Online Credit Card Management
As a credit card holder, there are a couple ways to manage your account. Many people rely on paper statements and phone calls to their credit card company. Others, however, have come to realize the benefits of online credit card management. In today’s day and age, every credit card comes with access to an online account. This may not sound like a big deal at first, but once you sign up and get started everything will...
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Frank
I use the online management for all of my accounts. Most can be extracted into excel, so I am able to keep a detailed log of my pe... Read More
Monday, 22 May 2017 10:40
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Watch Out for Scams During Tax Season

Watch Out for Scams During Tax Season
Wherever there’s money, you can count on there also being scammers trying to trick unsuspecting consumers into giving up money or giving up personal information (which can lead to the scammers getting money). Tax season is a favorite of scammers because so many taxpayers are unaware of tax rules and how the IRS typically sends communications. As you prepare to file your taxes, be on the lookout for scams. Scams For You to Pay Your Tax...
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Frank
During this tax season, I was sent multiple emails on scams for tax software. Definitely need to watch out for these from January ... Read More
Monday, 22 May 2017 10:36
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Merrill Edge Racks Up Awards for Digital Offerings

Merrill Edge Racks Up Awards for Digital Offerings
Merrill Edge is an investment service providing consumers access to the investment advice of Merrill Lynch alongside the convenience of Bank of America banking solutions. Recently, Bank of America announced that its Merrill Edge online brokerage has received several awards in Corporate Insight’s 2016 e-Monitor Awards Report. These include: •    Two Gold Monitor Awards•    Three Silver Monitor Awards Along with recognizing the company’s digital offerings, these awards show that the company continues to offer both value...
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Frank
ChrisB, have you spoke to anyone who has used both services? I would be interested to hear.
Monday, 22 May 2017 10:33
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What to Do If There's an Error on Your Credit Card Bill

What to Do If There's an Error on Your Credit Card Bill
One of the most important reasons to check your credit card statement is so you can spot billing errors and handle them quickly. You don’t want to pay for charges you never made and if you wait too late to contact your credit card issuer about the error, you may not be able to have it removed. The good news is, you can’t typically sort out billing errors with your credit card issuer rather than having...
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Frank
In this day and age, merchants usually fix the situation right away. I have not had much trouble when these kinds of situations ar... Read More
Monday, 22 May 2017 10:31
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The Worst Ways to Use a Rewards Credit Card

The Worst Ways to Use a Rewards Credit Card
Rewards credit card are among the best types of credit cards to have. If you use your credit card the right way, you’ll receive rewards simply for purchasing things you might have purchased anyway. However, there are some unwise ways to use rewards cards that will make it harder for you to earn rewards or reduce the value of the rewards you do earn. For a balance transfer. You may find rewards credit cards that offer...
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Frank
This is great info! To be honest, I was not aware you could even use your rewards for these kinds of things. It would be a complet... Read More
Monday, 22 May 2017 10:28
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Credit Card Reward Points: When Should You Use Them?

Credit Card Reward Points: When Should You Use Them?
Carrying a rewards credit card is beneficial for a number of reasons, including the fact that you can earn points for almost every purchase you make. However, this does lead you to a very important question: when is the right time to use these points? Since everyone is in a different position, there is no right or wrong answer. There are consumers who never let their points accumulate for too long. And of course, there are...
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Frank
Definitely be careful with regard to expirations. Especially with regard to airline and hotel points. Those usually have annual ex... Read More
Wednesday, 22 February 2017 15:47
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Do You Really Need That Gap Insurance Policy? Yes, but... (what the dealership doesn’t want you to know)

Do You Really Need That Gap Insurance Policy? Yes, but... (what the dealership doesn’t want you to know)
So you finally found your dream car (or something close to it that you can afford). You’ve done your homework and you’re pretty sure you’ve got all your ducks in a row. You took the test drive, shopped around for a fair price, got approved for a loan with terms you can live with and a budget friendly interest rate, and you’ve made arrangements to get the right kind of insurance coverage. Ready to sign the...
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Wanderer
Great post! Never heard of "Gap" Insurance. Good to hear about the pros and cons!
Thursday, 02 February 2017 04:10
Frank
This is extremely helpful and detailed! Thanks for the information. The next time I purchase a car, I will definitely look into th... Read More
Monday, 22 May 2017 10:34
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Can You Trust Free Credit Scores?

Can You Trust Free Credit Scores?
The number of places offering free credit scores has increased substantially over the years. It’s easier than ever to get a truly free credit score – that is, one that doesn’t ask you for a credit card number and covertly sign you up for a trial subscription that has to be cancelled. If you use one of these free credit score services or you’re thinking about using one, you might wonder how much can you trust...
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Frank
I use free credit scores to monitor my credit. I have seen it is a little off, but for the most part, very close to my real credit... Read More
Wednesday, 22 February 2017 15:46
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Is that Credit Card Right for me?

Is that Credit Card Right for me?
Applying for a credit card is a big financial decision. This is why you need to answer all the right questions before moving forward. Of all the questions on your mind, here is the most important: is that credit card right for me? Unless you can answer this question with confidence, you’ll never know what you’re getting until the plastic is actually in your hands. Although no two consumers are the same, there are a few...
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Frank
I would add: What am I going to use the credit card for and does this credit card make sense for those purchases? What is the APR... Read More
Wednesday, 22 February 2017 15:45
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Basic Benefits of a Credit Union

Basic Benefits of a Credit Union
Have you ever found yourself comparing a local credit union to a local bank? If so, you have come to realize that there are benefits of doing business with both. Even so, some people continue to ignore the advantages of a credit union because they are unfamiliar with what this type of financial institution can do for them. Below are three of the most basic benefits of a credit union. These may not be enough for...
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Frank
I have a mortgage with a credit union and love it. They are friendly, I personally know who I am dealing with, and its a great rel... Read More
Tuesday, 24 January 2017 17:27
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