My Money

February 2011


How to Take Advantage of Store Credit Cards

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Store credit cards often sound like amazing deals, thanks primarily to aggressive sales clerks and overzealous PA announcements. They often sound too good to be true. And the reality is that store credit cards tend to have higher interest rates and not-so-great rewards programs after you’ve taken ...

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personal finance

How to Teach Your Kids About Money

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Would you send your child off to college if he or she hadn’t gone through high school and been prepared academically? Probably not. It’s therefore surprising that so many parents drop their kids off on campus thoroughly unprepared for the financial realities of adulthood.

Given this context, it’s no ...

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personal finance

Reasons to Get a Tax Refund Debit Card

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This year, the government is piloting a tax refund debit card program where 600,000 low to moderate income families will be able to get their tax refund on a debit card, rather than a paper check. For the unbanked, this is an appealing alternative to a paper check because they can avoid check ...

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personal finance

5 Secrets From Tax Professionals

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Traffic is brisk on the Internal Revenue Service website, with nearly 300 million visits in 2010, up 2.4 percent from the year-ago period. The online traffic at IRS.gov includes visits from professional tax accountants, who prepared about 64 million of the 99 million tax returns that were filed ...

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personal finance

How to Negotiate Your Mortgage Rate

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When it comes to shopping for a mortgage, consumers seem to be most interested in obtaining the lowest mortgage rate. But it's important to note that a mortgage rate is only as good as the associated costs and terms. In other words, be sure to focus on the closing costs, which can drive up the ...

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personal finance

5 Tips for Winter Cleaning Your Home

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Many of us start feeling that urge to deep clean our homes once spring rolls around. In fact, the "Spring Cleaning" ritual is practically hard-wired into most homeowners' minds. But think about this...why spend so much time cleaning right when the weather turns nice? Why not do it now, when we're ...

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personal finance

Easy Ways to Check on Your Tax Refund

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If you were one of the few tax filers who got your returns in early, you probably are waiting on that fat refund check. The average tax refund last year was over three thousand dollars and if you're anything close to that, you're probably itching to get that check! Fortunately, there are a couple ...

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TAGS:
personal finance

3 Home Mortgage Refinancing Nightmares

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Just a few months ago, my wife and I talked about how much money we were going to save by refinancing our 6 percent fixed-rate mortgage down to 4.25 percent interest. A few years earlier, we would have been crazy to think that we could refinance our mortgage loan from 6 percent to an even lower ...

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personal finance

Your Guide to the New Tax Credits

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Like it or not, it’s that time of year again, when the IRS comes looking for its piece of the pie. But for all you small business owners, listen up. Your 2010 tax refund could be a lot bigger this year.

Why? Well, thanks to The Small Business Jobs Act from last September, and Obama’s controversial ...

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TAGS:
personal finance