Capital One’s New Spark Business Cards

Credit Cards

Capital One’s New Spark Business Cards

Capital One’s New Spark Business Cards

Capital One has introduced Spark, a new sub-brand of small business cards. These cards replace the popular “No Hassle” and “Venture” business card brands. There are six new cards: Capital One Spark Miles for Business Capital One Spark Cash for Business Capital One Spark Miles Select for Business Capital One Spark Cash Select for Business… Read More

5 Annoying Bank Fees, and How to Beat Them

Personal Finance

5 Annoying Bank Fees, and How to Beat Them

5 Annoying Bank Fees, and How to Beat Them

Photo by Nick Ares Ever since Bank of America announced it would charge customers $5 a month to use their debit cards, and Citibank said it would charge more people minimum balance fees, lots of people have been writing into Credit.com’s message forums saying that the new fees are outrageous. “It’s time to PROTEST in… Read More

P.T. Barnum’s Art of Money-Getting

Personal Finance

P.T. Barnum’s Art of Money-Getting

P.T. Barnum’s Art of Money-Getting

P.T. Barnum, the great circus showman of the 19th century, is probably best remembered for saying, “There’s a sucker born every minute.” That’s a shame, because he never said it; his competitor did. And as a result of this misattribution, many people think Barnum was nothing but a brash huckster who wasn’t worth learning from…. Read More

Another Bad Idea to Help the Housing Market

Mortgages

Another Bad Idea to Help the Housing Market

Another Bad Idea to Help the Housing Market

A new proposal to help beleaguered homeowners keep their homes out of foreclosure would take a bad situation and make it even worse. U.S. Sen. Johnny Isakson (R-GA) and U.S. Rep. Tom Graves (R-GA) have introduced the Hardship Outlays to protect Mortgagee Equity (HOME) Act, legislation that would allow Americans to make withdrawals from their… Read More

Mortgage Rates Hit Record Lows

Mortgages

Mortgage Rates Hit Record Lows

Mortgage Rates Hit Record Lows

If you’re thinking about buying or refinancing a home, now may be a pretty good time to do it. Interest rates on 30-year fixed mortgages are hovering around 4%, an all-time low since Freddie Mac started keeping track in 1971. But these record-low interest rates don’t appear to be doing much good when it comes… Read More

3 Steps to Clear Your Credit Card Debt

Credit Cards

3 Steps to Clear Your Credit Card Debt

3 Steps to Clear Your Credit Card Debt

The average credit card debt per household that has credit card debt in this country is close to $16,000, according to the Federal Reserve. In some families it’s even more.  So, how to deal? How to cope? Here are some steps. Get Honest. Don’t ignore your debt. Don’t pretend it doesn’t exist. Face the truth… Read More

One Week, Three Lawsuits Over ATM Fees

Personal Finance

One Week, Three Lawsuits Over ATM Fees

One Week, Three Lawsuits Over ATM Fees

Frustration over ATM fees may be helping to fuel the Occupy Wall Street protests, but last week it also helped to fill federal court dockets. In three separate lawsuits, Visa and MasterCard were accused of collusion by fixing the fees they charge consumers withdrawing money from ATMs. One of the suits also names a number… Read More

Misery Index Reaches 18-Year High

Personal Finance

Misery Index Reaches 18-Year High

Misery Index Reaches 18-Year High

Take the unemployment rate, add the inflation rate, and here’s what you get: The misery index. It’s an imperfect barometer, but it does give a flavor of what consumers are experiencing. And misery is on the rise. The misery index reached 13.0 on Wednesday, its highest level since 1983. Increasing levels of financial misery could… Read More

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