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Step by Step How to Pay Down Credit Card Debt
- Details
- Category: Credit Smarts
- Published on Saturday, 21 April 2012 13:00
- Hits: 21
How to pay down card debt step by step:
Ever since the Credit CARD Act began requiring statements to carry better disclosures about how much card debt really costs, people have become a lot more motivated about paying off their cards.
Many consumers were startled to find out how little the minimum payment shaves off their balances. One who owes $9,600 on a card with an 18.99 percent interest rate discovered that if only the minimum is paid, it would take 26 years (and cost an extra $14,256 in interest) to pay off her card.
So if you're feeling a little overwhelmed, you're not alone.
Take another look at that disclosure box on your statement, though. In addition to the grim news, it also shows
Is using credit reports to screen job applicants fair?
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- Category: Credit Smarts
- Published on Tuesday, 06 March 2012 11:55
- Hits: 77
Is using credit reports to screen job applicants fair?
About four years ago, hiring managers began asking recruiter Chris Ball to start screening prospective employees in a new way: "They'd call up and say, 'Don't send us anyone with a bankruptcy in the past five years,' " says Ball, operations manager for the Jackson, Miss., branch of Express Employment Professionals.
Those hiring managers were on the forefront of a practice that worries some state lawmakers: employers making hiring decisions based, in part, on applicants' credit scores.
Seven states --California,Connecticut,Hawaii,Illinois,Maryland,OregonandWashington-- have recently restricted the practice, according to the National Conference of State Legislatures, and now,Colorado lawmakers are considering a similar measure. The laws generally contain exemptions for
Read more: Is using credit reports to screen job applicants fair?
RFID and the Identity Stronghold Secure Sleeve
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- Category: Credit Smarts
- Published on Friday, 24 February 2012 17:32
- Hits: 126
Security experts talk to Glenn Beck about RFID and other dangers and how our Secure Sleeve can protect your privacy.
RFID and the Identity Stronghold Secure Sleeve
Credit Card Risks
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- Category: Credit Smarts
- Published on Tuesday, 21 February 2012 22:37
- Hits: 58
Is your card at RISK?
New technology is being implanted into your Credit and Debit cards. it's called RFID. Radio Frequency Identification. By simply waving your card in front of the scanner your card information is retrieved for your purchase. Seems simple and harmless. But that's not where the danger ends. Criminals can scan you and pick up all the information they need from your card to create a copy for them selves.
Video - Your Cards At Risk
How Having a Vision of the Future Helps You Manage Your Money Today
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- Category: Credit Smarts
- Published on Friday, 17 February 2012 14:49
- Hits: 21
If you have a dream display it, talk about it, do what ever it takes to keep that dream in front of you, then make a plan as to how you will realize it.
How Having a Vision of the Future Helps You Manage Your Money Today
Credit Smarts
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- Category: Credit Smarts
- Published on Saturday, 04 February 2012 15:53
- Hits: 99
Acquiring and using credit wisely.
A Good Credit Score = Savings & Opportunities
A Good Credit Score is extremely important in obtaining low interest loans or even lines of credit at stores. Your home will most likely be the most expensive item you purchase. The difference between
The State of Small Business: Credit and Jobs Must be Addressed
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- Category: Credit Smarts
- Published on Saturday, 04 February 2012 17:18
- Hits: 51
For too long, small businesses have been struggling to bear the brunt of the recession. Lending has all but dried up for small employers, and too many lawmakers are spending more time playing politics than working to pass smart legislation to help them. If small businesses are going to help fix our country's employment problem, they need increased access to credit and smart jobs legislation. How do we know small business owners feel this way? We asked them.
According to a national poll of 500 small business owners released Jan. 26 by Small Business Majority, Main Street Alliance and the American Sustainable Business Council, an overwhelming 90 percent of small employers believe credit availability is a problem for small businesses. Employers also agree when it comes to lending, banks are
Read more: The State of Small Business: Credit and Jobs Must be Addressed