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  • prepaid-vs-credit-feat

Prepaid Debit Cards vs Credit Cards

Lately, it seems as though everyone is releasing a prepaid debit card. From Justin Bieber to Suze Orman, celebrity prepaid debit cards are all the rage. These prepaid debit cards look like credit cards, and when you make purchases with them, they act like credit cards. But they aren’t credit cards. There are serious differences [...]

  • hand-shake

Building a Better Banking Relationship

By Karlene Sinclair-Robinson When you think of a relationship, it is on a personal level. Thinking about having a relationship with a bank can seem daunting. This is due, in part, to how large a bank is. If your bank is as large as Bank of America or Capital One, you might not think to [...]

  • cd_ladder

What is a CD Ladder?

As an investment product, CD's or certificates of deposit remain a traditionally safe investment option. While safe, CD's also come with their own set of limitations that can hamper a person’s ability to explore other options in the short-term. As an investment strategy, a CD ladder offers investors a way to take advantage of the [...]

  • retirement-photo

How Much Should I Save For Retirement?

Most of us will have to face retirement one day. This being said, it is a must that we begin saving for retirement and the best time to start is now. Many people struggle to save money. Most Americans find that saving for retirement is one of the hardest things to accomplish. With present needs taking [...]

  • billboard with the words financial freedom on it

How To Pay Off $95K In Two Years

 Homeownership has always been a dream of mine. I remember as a kid I would walk through different neighbourhoods and think that everyone who owned a home was rich. I thought wow; those people must be doctors and lawyers to be able to live in such a nice house. I promised myself that I would [...]

  • calculator on top of a 1040 form

Savings Accounts and CDs: Do You Have to Pay Taxes on Interest?

With tax season under way, one of the questions that often comes up is do you have to pay taxes on interest from savings accounts and CDs. The short answer to that question is yes. The IRS expects you to report all of your income, whether or not you receive a form detailing what you [...]

  • capital one and ing logo

ING Direct Becomes Capital One 360

 Last year, Capital One announced that it had acquired ING Direct. In November 2012, the two legally became one bank. However, the re-branding effort has been moving at a gradual pace. Right now, the colors associated with Sharebuilder (which used to be owned by ING Direct and was also sold to Capital One) have changed [...]

  • 0%

Credit Cards 101: Introductory APR vs. Regular APR

When evaluating credit cards, one of the first things that many consumers consider is the APR. The interest rate is a big deal if you carry a balance, since the higher your interest rate, the more you pay for the privilege of borrowing money. As you consider your credit card options, and compare interest rates, [...]

  • credit score 720

How to Build Your Credit

Nowadays, a person’s credit report affects a lot more than his or her ability to get a loan. From leasing an apartment to buying a home and getting a job, having a good credit record can go a long way towards making these plans happen. In a worst case scenario, poor credit can prevent a [...]

  • christmas trees and happy holidays

Knowyourbank $600 Holiday Giveaway

And we're off...The Knowyourbank Holiday Giveaway has officially started. Have you entered yet? Now that the holidays are fast approaching, we wanted to give a couple gifts to you, our loyal readers. We've teamed up with several other Personal Finance bloggers to give away $600 in prizes! >> Click Here to Enter Knowyourbank and our [...]

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