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Top 4 Places to Use a Credit Card

It seems like everywhere you turn on the internet these days, there's a blog post warning of all the dangerous places to use a credit card. While there certainly are shady businesses out there that you should be wary of handing your precious plastic to, it's summer and thus a great time to focus on the positives. For every business that may have a negative impact on your credit history, there are countless more that remind us of the joys of using credit cards. Here are just a few of the best places to savor every swipe.

 

Three Essential Steps To Improve Your Credit

 

Credit scores. . . To many of us, they seem like arbitrary numbers that can be frustratingly impossible to manipulate. To others, credit scores are quite the opposite; understanding and improving them has become a challenge from which many financial benefits can flow. When I sit down with a client who has been dealing with less-than-wonderful credit, they usually know which financial mishaps and choices got them there. And although time and the responsible use of credit cards for bad credit should help them finally regain control, understanding what makes up a credit score could have kept them out of trouble in the first place.

Things You Used to Be Able to Buy With a Penny

I was fortunate to spend more time than usual chatting on the phone with my Dad for Father's Day last month. We should definitely spend more time talking, because he’s a great man that has taught me some of the most important financial lessons in life: budgeting, leveraging 0% interest credit cards and loans, and working with my spouse to find common goals and aspirations. Like most older gentlemen, he has also spent hours upon hours telling me about how things used to be. One of his stories popped in my mind during work today, while I closed a savings account that had one cent of unposted interest. As I made a joke to my client about not spending all that new interest in one place, I remembered my dad telling me of all the things he used to be able to buy with a penny.

How To Transfer Your Credit Card Balance

Transferring a balance from one credit card to another isn't rocket science. The real science lies in finding the best credit card offer available so as to take advantage of  low introductory interest rates. In addition, there are a number of other equally important tips to consider prior to executing a credit card balance transfer. Almost all of them deal with finding the right "one." I would liken it to dating before marriage. You would never want to put marriage first and dating second. Chances of failure increase almost exponentially if you fail to do your homework and check out various "offers" before you make a decision. Get my drift?

Solstice Celebrations to Use Your Miles On

Who doesn't love to travel? With unlimited resources, my wife always claims she would travel the world repeatedly. While I'm not that much of a fanatic, I do love to hop on a plane and take a trip to interesting and sometimes exotic places. Certainly, getting away from the daily grind often provides enough respite to aid in the maintenance of mental sanity. That said, there are several solstice celebrations occurring worldwide this coming week which could prove inflicting for the travel bug. And for those with airline rewards credit cards, it'll make it that much easier to cast-off all responsibility for a few days and get outta Dodge.

Why We Should Stop Making the Penny

Each year, the U.S. Mint coins 1 billion to over 10 billion pennies. That's anywhere from $10 million to $100 million worth. The cost to manufacture a penny can be nearly 2 cents (depending on the price of copper and zinc). That means the US spends $15 million to produce $10 million worth of pennies.

Google Wallet: Convenient, Dangerous, or Both?

Google has announced a brand new program for smartphones called Google Wallet, which will allow consumers to apply credit card information to their phone and use it to scan for quick and convenient purchases at participating retailers. The announcement signals another move by Google to stay at the forefront of making things as straightforward and convenient as possible. However, with such a bold move into the sphere of personal finance and privacy concerns, will Google Wallet be a convenient step forward for shoppers or a dangerous risk to privacy?

Summer Travel Credit Card Tips That Will Save You Thousands

Certain credit card companies might claim that they're everywhere you want them to be, but have you ever put them to the test? From extended warranties to lost bag insurance, many credit cards offer great benefits that most customers aren't even aware of. We've made a list of the most popular credit card benefits to help your summer vacation and compared how each service stacks up to one another. You'll see how just a flash of your plastic could get you a restaurant reservation, a ticket to a sold-out event or even free concierge service at your hotel. The next time you plan a vacation or just a trip to the museum, take advantage of everything your card has to offer with these amazing credit card benefits.

 

10 Steps to Home Ownership

First-time homebuyers face an uphill battle when applying for a mortgage in today's real estate environment.  The days of no-credit and no-money-down loans are definitely over—at least for now. There are, however, a number of steps every first-time buyer should follow in order to make the homebuying process as smooth as possible. Here are 10 steps to guide you into homeownership:

Top 5 Movies About Money

Who doesn’t love money? We think about it constantly, we envy those who have more of it than we do, and our entire society is dictated by the almighty dollar bill. Hollywood caught onto this notion a long time ago and has made countless movies about money. Some have glorified the lifestyle of the rich and famous while others have attempted to highlight the personal misery inherent in greed and corruption. Whatever the angle, each film tells a story of how money affects us and how we use it to interact with the world. A select few have made their way to the forefront of popular culture and have heavily influenced the way we think about money, be it a glamorous stack of $100 bills or easy credit cards. Below are the best movies about money that we have come to know and love.

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