Archive for April, 2008

Credit Card Interest Rates

Monday, April 28th, 2008

 

Have you missed a payment? Have you gone over your limit? If so, you probably know what the consequence is. If you haven't, hopefully you never will find this out. The penalty is a hike in interest rate charges, up to – and probably higher now – as high as 32%. This is modern piracy. This is kicking someone when they are down. You needconsumer debt relief Credit card companies force more people into bankruptcy by this kind of "business practice". If you are able, transfer those evil rates to a different lender. Don't give any more than you are liable for to any credit card company.

 

Posted in Finance :: Mortgage & Debt | No Comments »

How Accurate Are Lipper Mutual Fund Ratings?

Friday, April 25th, 2008

Lipper mutual fund ratings have been serving investors since 1971 by providing accurate analysis of various funds doing the rounds in the financial market. Lipper mutual fund ratings typically rate funds after evaluating performance risk thereby giving investors a fair idea about specific funds they may be interested in. The company employs a five star rating system to rate funds on the basis of five parameters: tax efficiency, expense, consistent return, total return, and preservation to help investors determine the extent of risk involved in various funds. The emphasis thus is more on using analytical formulas than relying solely on past performance. This makes Lipper ratings fairly accurate and reliable and investors can definitely consider them to move their investments in the right direction.

Posted in Finance :: Trading / Investing | No Comments »

Mint Online Personal Financial Software

Tuesday, April 22nd, 2008

 

Mint online financial software is free.  It offers automatic updating for banking transactions and credit card transactions as well.  With this software it doesn’t matter if you are ordinarily a forgetful person.  The software allows you to look at your banking transactions and balances on your accounts at the same time.  Mint also makes you aware of products which can save you money.  There are services which you become aware of that could be very beneficial to you and your family.  You would find the information through looking in the Ways to Save feature.  Mint online financial software is in touch with 3,000 banks and credit card companies countrywide.

 

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Keeping Tabs On Your Investment

Monday, April 21st, 2008

A lot of investors are constantly looking for a way to keep constant tabs on their investment. The idea of simply turning money lose into the market is not very comforting at all and with a shaky economy it becomes even more nerve wracking. The solution for many is monitoring their stocks using the stock market ticker. This is designed to allow you a quick view of numerous stocks and see the recent changes whether they have gone up or down, and what the current price is. This is a great tool for anyone who wants to monitor their stocks for maximum profit.

Posted in Finance :: Stocks, Bond & Forex | No Comments »

How To Get A Government Free Credit Report

Friday, April 11th, 2008

It is not difficult to get a government free credit report.  You are allowed to get one free credit report each year from each of the three reporting credit bureaus.  You can either go online and get a free credit report or contact the agencies directly.  The agencies that report on your credit are Experian, Equifax and TransUnion.  According to the Fair Credit Act, you are entitled to receive one report every 12 months from each of these agencies.  In addition to getting a government free credit report each year, you are also entitled to get a government free credit report every time you get turned down for a loan or credit account.  You will have to be notified in writing that you have been turned down and given the name of the credit reporting agency from which the decision was based.  You can then write to them for a free report. 

Posted in Finance | No Comments »