nslds

HOWTO track your student loans

This is not a post on how to pay off your student loans! This is about tracking your student loan info. Did you know that the department of education has a central database (National Student Loan Data System) where it tracks information about your student loans? The NSLDS tracks all information from aid approval through […]

December 15, 2010 8
Goldman Sach's Lloyd

Were The Bailouts Necessary?

The Feds took a lot of heat for the massive bailout of Wall Street. Politicians rode it all the way to the vote bank with their fake outrage and there were some who openly agreed that the bailout was necessary. Just Take It! But were the bailouts justified? In my opinion, yes. Letting large financial […]

December 6, 2010 12
savings-technique-moneycone

Lending money to family and friends

I was reading an interesting post at Well Heeled Blog and I thought I’ll share a similar experience I had years back. The general consensus is it is a very bad idea. I learnt this the hard way.

November 15, 2010 7
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Should you sign for a debit card purchase or use your PIN?

Ever noticed how when you swipe your debit card at the grocery, you have to choose Credit or Debit? Most choose Debit and enter their PIN to pay for the purchases. Did you know you can choose Credit and NOT enter your PIN?

October 3, 2010 2
Discover Card MyBenefits __ Discover Financial Services

HOWTO earn reward points AND get cash back with no fees

I bank with a credit union which is outside my state. There aren’t too many credit union ATMs around where I can withdraw cash without fees. Cash back from debit card payments are an option. But I’m wary of debit cards for the following reasons: You are not protected against fraudulent purchases the same way […]

September 17, 2010 0
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5 Rules for responsible credit card use

1.Pay off your balance in full This should be a no-brainer rule. Don’t carry a credit card balance. Think about it, a bank pays less than 1% on your savings. With a CD you might get 2% if you are willing to lock the money for a year or two. With an inflation protected ibond […]

July 24, 2010 11
credit_cards-t2

Credit Score Myths And Tips

1. If I cancel a credit card, will it affect my credit score? One of the factors determining your credit score is your borrowing power or the sum total of the amount of money lenders are willing to loan (total available credit). An indirect effect of canceling a credit card is that your borrowing power […]

June 27, 2010 11
Credit Scores and Email Domains | Credit Karma

Interesting statistic: email service and credit score

Credit Karma had an interesting statistic on preferred email service and average credit scores. The average credit score of Yahoo users was the lowest, whereas Gmail users was the highest (among ‘free’ email services). Hotmail and AOL are tied and somewhere in between.

June 20, 2010 1
transunion-equifax-experian-logos

HOWTO get your credit score from all 3 credit bureaus for free!

I check up on my credit scores regularly and I don’t pay a dime. No I’m not shilling for sites that have the word ‘free’ in the website address but need you to fork over your credit card to show you your credit score! Here’s how I do it: To get my TransUnion score, I […]

May 29, 2010 4
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