With so many online brokers out there, finding the right one to meet all of your investing needs can feel like you’re looking for a needle in a haystack. The best way to find the right broker is by comparing their services and determining if they fit your financial goals. Today, I want to take a look at one of the leading online discount brokers in the country, Scottrade. Scottrade is one of the first discount brokers I used when I began my investing career and I’ve had a great experience with the product.
Last Sunday night Congress passed the Patient Protection and Affordable Health Care Act. This act reforms the existing health care industry and is expected to insure an additional 32 million people. This bill was passed with quite a bit of controversy surrounding it. Polls consistently showed that the majority of Americans were not satisfied with the bill as it was currently written, and several Democrats voted against it along with all Republicans in the House of Representatives. Having said that, the President has signed it into law, and the deal is done. You may be wondering, how do these new health insurance laws affect you? Let’s take a look at the major ways in which the new health insurance bill will affect you.
Getting out of debt is by no means an easy process but it is definitely an achievable goal. Eliminating debt requires discipline, patience, and a solid financial plan. Books can be great resources in helping you construct a financial plan. We spend so much time in front of the television, but reading has so many benefits, including educating ourselves about topics such as personal finance and money management. Consider challenging yourself to read at least one non-fiction book per month. Here are four book suggestions to help educate you about money management and getting out of debt.
Have you ever heard of the Entertainment Book? If not, don’t worry! This review will tell you everything that you need to know about it. The Entertainment Book is a discount book that helps you save money on all of your entertainment purchases. Think of the Entertainment Book as a giant coupon book. There are over 150 different Entertainment Books published annually that offer discounts on local goods and services. The Entertainment Book can also be used for online shopping and at national chains throughout the United States. The Entertainment Book can save you on just about any purchase that you make.
Finding ways to save money is critical to every person achieving their financial goals. It could be the difference between a comfortable retirement and having to work in your latter years. Every day, millions of people are robbed of their hard-earned money due to expensive habits. Today, I would like to take at look at some of these habits. These four habits will cost you money and get in the way of your financial independence.
While I am not a fan of relying on credit, there may be times that you are forced to use credit such as buying a house. When these occasions arise, it’s important to manage your credit properly so that you can receive the best rates possible. The interest rate that you receive depends upon your credit score. A good credit score can save you thousands of dollars in interest over the life of a loan. Before I get into the 4 best ways to boost your credit score, here are the 5 key factors that make up your credit score: 1) Past credit history, 2) Current amount of debt, 3) Length of credit history, 4) Types of credit available, and 5) Applications for new credit.
Now that Congress has passed the Credit CARD Act, credit card companies are expected to lose anywhere from $5 to $15 billion in potential fee income. Banks are responding by coming up with new ways to make up for income lost from credit card reform. They are creating new fees and raising interest rates to make money off of the financially strapped consumer. Here are 5 new tactics that credit card companies are using to increase revenue. Feel free to also check out, How Will The New Credit Card Laws Affect You?
Variable Interest Rates
With unemployment at 9.7%, many people find themselves competing for the same jobs. So, how can you distinguish yourself in a job market filled with so many applicants?
You can increase your chance for success in this tough job market by sharpening your skills and making yourself a more attractive applicant Here are 5 tips that will make you more marketable in the current job market.
Making Yourself More Marketable
You may have heard of a new personal financial site known as SmartyPig, but what is it?
SmartyPig was created in 2008 as an online site to help individuals save money for a specific goal. Think of SmartyPig as an online piggybank that pays a high interest rate. You can save for anything on SmartyPig including a wedding, a vacation, or a down payment on a home.
SmartyPig defines itself as “a simple, smart and secure way to save for a specific goal.” The unique aspect of the site is that SmartyPig lets friends, family members, and other users contribute to your savings goal. You can also contribute to other people’s savings accounts to help them achieve their goals.
Millions of people tune in each week and follow the advice of personal finance experts, Suze Orman and Dave Ramsey. They are the two most well known figures in the area of personal finance in the country. Guests call in to hear Suze’s opinion on whether or not they can afford a luxury cruise. Callers check with Dave to see if their financial house is in order. So, who has the better advice? Let’s take a closer look at the two financial pundits.