Credit card companies like to bombard consumers with special offers, and if you have a good credit score, you likely receive pre-approved credit card invitations from time to time. Furthermore, if you already have a credit card in your name, your issuer may periodically send you convenience checks tied to your credit card account. You can use these checks for any purpose, providing that a retailer or other business accepts this method of payment.
Convenience checks look like regular checks, and if you’re cash-strapped, they’re pretty enticing to use. However, before you hastily fill one out, it is crucial that you learn how convenience checks work – and understand the numerous risks.



As we speak, high school seniors, college seniors, and hundreds of thousands of professionals of all ages are facing crunch time. Why? Because we’re in the midst of college admissions season. Whether you’re applying to an undergraduate college, a graduate program, or a professional school, you’re probably staring down a forthcoming application deadline.
Boring educational material on money, credit, and investments can actually discourage people of all ages from learning valuable information that can help them make wise financial decisions. Fortunately, money management lessons masquerading as games can make learning about finance easy and even fun.
It seems like every day there’s a new
According to Forbes Magazine, an estimated $15 to $20 trillion is sitting in the “pirate” banking system today, a complex, interwoven collection of financial institutions domiciled in tax havens around the world. Nearly one-half of the funds are owned by less than 100,000 people, who comprise 0.0001% of the world’s population. These funds, shrouded in secrecy and protected by layers of anonymous owners, are immune from any government oversight and invulnerable to taxation, maintained by and for the super-rich, as well as multinational corporations.
Divorce can be emotionally devastating, but the
When you are looking for a new job, it is imperative to
Everyone knows that
Experiencing sadness during the holidays is not unusual. Fewer hours of sunlight, the often sharp contrast between the idyllic seasonal family scenes pictured in media and real life circumstances, and the impending conclusion of another year combine to make many people gloomy. The year’s end is a time of reflection, often accompanied by sadness, loneliness, loss of self-worth, and even anger. Sometimes, sadness is justified (the loss of a loved one, a job, or a marriage), but intensified due to the holiday season where others seem so happy and content. These emotions during the winter months have been recognized by the psychiatric community as
Maybe Christmas, he thought, doesn’t come from a store. Maybe Christmas, perhaps, means a little bit more.
It’s a theme we heard time and again during the run-up to the 2012 presidential election: Americans are making less money and have less money in savings than in years past. The statistics support the statements, as an October 2012 survey by
Have you been invited to attend a timeshare presentation? Perhaps you’ve been offered a steal of a vacation deal – the only catch is that you have to attend a mandatory timeshare meeting. Buying is optional, of course. The timeshare company just requires a little bit of your time. Sounds great, right?
It seems that money can buy almost anything these days, and one such thing available for struggling renters to purchase is an apartment lease cosigner.
Incorporating a business can be a great way to save money on annual taxes, in addition to the protection it offers you from liability – and if you want your business to have a separate legal identity distinct from you, incorporation is crucial. However, there are some steps you need to take to ensure that the process goes smoothly, and that you meet all legal requirements. Furthermore, it’s especially important that you choose the right type of corporation for your small business.
The Princeton Tiger growls from former Secretary of State George Schultz’s backside, a ship’s anchor decorated the right arm of the UK Prime Minister Winston Churchill, and a family crest on the chest of President Franklin D. Roosevelt sustained a family tradition. 