The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting overloaded with catalogs from shops you haven’t bought anything from in years, if ever. If…
If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of…
If you read financial headlines, you’ve no doubt seen the news that the Federal Reserve is raising interest rates. These headlines can be accompanied with all sorts of hyperbole about the end of the stock market, the boom of bonds or any of a dozen other possible predictions. It’s easy to get overwhelmed when there’s…
Most people own at least one debit card and at least one credit card. They know they have them, but they may not know about all the differences that exist between using a credit card and a debit card. Believe it or not, there are many. The most basic difference is the fact that each…
Unexpected expenses, by nature, can come out of nowhere. Your check engine light comes on, and your car demands you put another thousand dollars into keeping it on the road. That cough that just won’t go away turns out to be more serious than you thought. Your air conditioner gives up during the longest heatwave…
Have you ever wondered about the real differences between your savings and checking accounts? Many people realize there must be more to it than just the fact that one includes checks and the other does not. However, they just don’t know what those differences are. So let’s look at some of the technical differences that…
Bills are a lot like bad weather. They’re going to come anyway, so you might as well not try to fix them, right? For some bills, that’s the case. For others, though, you can make a big difference in your monthly budget with a little legwork. One of the bills you can change is your…
When you use your debit card, you visibly see an actual interaction between three people. You tell a merchant you would like to buy something. That merchant tells your credit union to pay out some of your money. Your credit union asks you to authorize the transaction. If something goes wrong in that process, it…
Are you a swiper or a dipper? Chances are, you have at least one EMV chip-enabled card in your wallet. EMV, which stands for Europay, Mastercard and Visa, and has been used for years throughout the world, was introduced in the U.S. about 18 months ago. The cards are also called smart cards, chip cards,…
Q: Summer always puts a big strain on my budget. There are so many extra expenses! I’ve been looking for a way to get through these months without racking up a huge credit card bill, and one option I’m considering is skip-a-payment. What do I need to know about this program? A: Summertime brings loads…
Winging your way across the ocean, whimsical browsing in quaint shops and dining on exotic fare in an outdoor Paris cafe are the things that make up dream vacations. But when you’re wondering whether the money changer has taken you for a ride or you’ve busted your budget after only two days, that dream can…
“Can you hear me now?” is the once-popular tagline of Verizon commercials, but it’s also the headline of a new scam. Scammers making robocalls will ask some innocuous question. Once the targeted person says “yes,” a recording is made of the response and it is used to sign up the target for unwanted, expensive services….
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