Archive: December, 2009

Wireless Credit Card Processing Recognized Globally As Technological Advance

One of the unexpected fees that usually accompany a small business is the cost for processing credit cards. Wireless credit card processing recognized globally as technological advance can significantly reduce the overall costs involved in creating and sustaining a small business that accepts credit cards.

Using a wireless credit card processing system is simple and mobile. The swipe unit is small and will fit easily in a handbag or briefcase. Qualifying for the system is easy too. There is no need to apply with each individual credit card company and spend time trying to figure our their fee structure. An individual fills out one application and they are then able to accept all major credits.

Using the processing system does not require extra equipment or expensive tools. A simple hand held swiping machine can be used with a laptop or PC. It is connected to your computer with a USB and the software for the system is included.

One of the issues that many small business face when they begin accepting credit cards is the fee structure of the card providers. There is usually a low percentage on the cards but this does not include the hidden fees that are attached to accepting the cards. Often these fees can eat up any profit you might gain from sales quickly.

When you use a wireless system, there is only one flat service fee and no hidden fees. It is easy to calculate the minimum charge for items and include the costs of card processing in the price of items to offset the flat rate. In addition, there is no contract involved with the wireless system.

Using Paypal for wireless credit card processing gives you all of the merchant protection that Paypal offers their customers. There are not the usual problems with charge backs and refunds that you run in to with most major credit cards. The tracking of credit card purchases and contact information is easy to use and creates an avenue for following up with your customers.

Wireless credit card processing recognized globally as technological advance can significantly reduce the overall costs involved in creating and sustaining a small business that accepts credit cards. The inside scoop now on http://www.usbswiper.com/

Ibank

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Ibank
 
Manufacturer: IGG Software
Customer Rating:
 
List Price: $59.99
Sale Price: $47.99
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Product Description

iBank is an intuitive personal and small business financial manager designed to help you track your bank accounts, credit cards and investments. Categorize your transactions, analyze your income and expenses with live-updating charts, and plan your financ

Product Details

  • Set up and organize all of your existing accounts including credit cards or investments with easy downloading of transactions from most major financial institutions
  • Import your previous transactions and categories from versions of Quicken for Mac and PC or from MS Money and export data in standard formats to TurboTax or Quicken or Excel
  • Monitor all of your account balances at a glance and manage your portfolio by tracking buys or sells as well as dividends and ROI
  • Set budgets and analyze your income versus expenses to gain complete control over your personal finances
  • Enjoy a full set of essential features including custom check printing or password protection for private account data

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Customer Reviews

IBank is solid and helpful.
 
Review Date: January 4, 2010
Reviewer: Dubbie, VT USA
As a longtime Quicken user (8 years) and MicroSoft Money user (3 years) I was very disappointed when I switched to a Mac Pro last January (2009) and found no version of Money and the only available Quicken was a 2007 (pretty much unsupported and un-updated) product!

I refused to put a Windows OS on my new Mac - that would open the machine up to Windows virus attacks and other problems.

I tried "Crossover" which allowed me to use a Quicken for Windows program but did not require a Window OS. That was ok but it was slow, a bit buggy, and there was no interface with ICal (so no easy alerts).

Then I found IBank!!

Not only did IBank work beautifully with my Leopard and Snow Leopard OS but it put dates and reminders into ICal with no problem. I was very happy that it looked like a true Mac program instead of a Windows program.

Now, after 8 months of using IBank (the last version is 3.5.4) I can tell you honestly -- for my use as a home owner, on-line bill payer, watcher of credit card charges, and user of paperless monthly statements from 2 banks and 2 credit card companies -- I am VERY VERY HAPPY and please with IBank.

I highly recommend IBank! You can use the full program for 30 days before you buy it OR you can buy it and return it for 100% money back if you do not find it to be what you need.

Amazon offers a $20 credit for people who switch to IBank from Quicken -- making the program cost $39.95 instead of $59.95! What is not to like about that?

I have used IBank's customer service two different times and found them to be knowledgeable, efficient, and very helpful. They answered both questions in my first contact.

Quicken is coming out with a Mac Financial software in February- finally. It appears to be sort of a Quicken for Mac 2010. I will not buy it or try it!!

Why?

I resent Intuit's attitude that Mac owners don't deserve an up-to-date program for 3 years. I don't want to support that kind of treatment to a long-time customer. Also Intuit's new program seems to be a limited version of their Quicken for Windows programs. I strongly suggest you check out Inuit's Q & A about the February 2010 Mac program at quicken.com. I doubt you will want a "fluff" but little "meat" Quicken on your Mac.

IBank has had 2 updates (free to version 3 owners) within my 8 months of owning the program. Each update came with a new complete program download and all information from my previous IBank version was transferred with no problems.

The IBank program does not allow "direct bill pay" like the old Quicken I was accustomed to. However -- many banks no longer allow that service any longer either. Both of my checking account banks (Citizens and TD Bank) do not allow direct bill pay through third party financial software any longer so I did not really suffer a loss by switching to IBank. That may be a "security" protection improvement?

IBank imports Quicken data from Windows and Mac with no problems. Set up is easy for connecting and using most bank web sites.

I used Turbo Tax for Mac (both platforms are on most versions of TTax and TaxCut CDs) last year. I do not import information from Quicken or IBank into TTax - oI do import the personal information from previous TurboTax for Windows programs. I cannot say anything about importing data from IBank.

I think IBank does have a lot to offer and unless you have a business or are very wealthy -- IBank should do the job for you WITH all the dependable and helpful MAC features (and connections to ICal) that you expect from your Mac.

There are some very low ratings of IBank listed in these reviews! I do not understand why.

I know that I have not had any of the problems addressed in the poor reviews.

If you have an Intel Mac or MacBook -- I do not think there will be a problem that IBank's free customer service could not fix. However, if there is no "fix" for a problem you may experience with IBank -- you lose nothing! Just take advantage of IBank's free trial money back guarantee!!

I do not have any connection with Intuit or IBank. I spent my time writing this review because I truly think IBank is a GREAT alternative to Quicken for any new Mac owner!!!
Awesome Mac Finance Application
 
Review Date: October 22, 2009
Reviewer: Tim Cimbura, Minneapolis, MN
I've been a Quicken user since it first came out for the Macintosh and upgraded to the latest revision as time went on. There were always frustrations with the product: Data entry was not as easy as I'd like it to be, I didn't have control over various aspects of the application that I would like to, etc. Lately, I switched to Snow Leopard and Quicken seemed to slow down and exhibit some errors in execution.
I recently learned of iBank (version 3.5).
The process for conversion from Quicken 2007 on Macintosh was very simple. I downloaded as many transactions as possible and reconciled/cleared them. (Be sure to save often in Quicken...crashing totally corrupts the data file.) Then from the File menu I chose File-Export-To QIF. Quicken exported all my accounts, categories, and transactions to one file that iBank was able to import. iBank recreated everything automatically.
Then I just needed to connect each account to download transactions automatically from my bank. My primary accounts are with US Bank. The support person at US Bank said that they only support Quicken and Microsoft Money. I was able to give them a hypothetical situation: What if I was using Quicken? What would me name and password be? I needed to know that my user name was my SS# and the password was my cash card PIN. (This may vary by bank.) With that information, iBank was able to connect immediately with no problems. It even allowed me to enter the starting date from which I wanted to import transactions. I even connected my Discover cards, Amex Costco card, and Visa cards to auto download transactions. They all support Open Financial Exchange (OFX).
I highly recommend this product to Macintosh users. Unlike Quicken for Mac, It's a real Macintosh application that is supported and updated on a regular basis. It's easy to use and performs everything I needed a finance application to do. I'm so glad to be rid of Quicken. They even have a $[...] for former Quicken users.
Solid Mac app done right
 
Review Date: November 15, 2007
Reviewer: Christopher Ashworth, Baltimore, MD
I really appreciate the attention to detail Igg Software has put into this product. After long months of cursing and struggling with the heaping pile of Java widgets that is Quicken on the Mac, I finally set out across the intarwebs determined to find SOME kind of alternative. I finally found iBank, and man, the difference was like night and day. iBank is actually designed to be--gasp--a Mac program. It has proper search integration, behaves as you expect a Mac program to behave, is stable, imports and exports quickly and easily, and is designed with care.

The product has room to grow--reports are currently limited to a single kind, and I think there might be a few high-end features of that other program that haven't found their way into this program, but if there are I haven't noticed yet, as I'm too busy doing what I want to do and not cursing at my computer any more.

Definitely recommend.
ibank extremely useful tool
 
Review Date: November 4, 2007
Reviewer: Suzanne M. Andersen,
I have been using ibank for two years. I love that it is useful, user friendly, and it has helped me get out of debt. I have managed credit card debt, tracked a bank loan regularly, and I keep track of all my banking transactions. I would highly recommend ibank to any mac user for home financial management.
Best Finacial App for Mac out there. Awesome Customer Service!!!
 
Review Date: November 14, 2008
Reviewer: J. Stout, spokane WA
So as many of your probably have I switched from PC to MAC and quickly found that there is close to a famine of good financial apps available. Quicken for MAC is a lame attempt to appease a growing population of PC deserters. I had been using parallels and running MS Money inside XP but that was growing tiresome. Couldn't SOMEONE make a good money program for mac?

Enter iBank.

iBank is a wonderful, powerful, and easy to use, financial application. And there are plenty of reasons why as well as a free demo. All these are exactly what I was looking for but what I wasn't expecting was fantastic customer support. iBank is made by a company known as IGG Software and they are incredibly helpful, fast, and responsive. iBank is the best software out there for MAC and the fantastic customer support makes this decision a no brainer.

ETF Trend Trading Can Be An Effective Investment Activity

These days, when people are looking to the markets with a renewed sense of what could be possible, it’s good to know that ETF trend trading can be an effective investment activity that promises good rates of return. These exchange traded funds are similar to mutual funds and how they act when traded in a stock exchange. Think of them as being similar to stocks themselves.

ETF trend trading involves using an exchange traded fund to trade on a market by following certain trends in markets. By following these trends you are able to time market movement in such a way that you can get into and out of it rather quickly if needed. Many people who engage in trend trading oftentimes spend less than 30 minutes and evening doing so.

There are several good trading systems out on the Internet that can assist a user who is interested in trend trading, so take some time to find them and then go through their tutorials before investing any starting capital or other funds. If you’re smart, you can time your trades such that you are making a 6 to 9% return on investment on a fairly steady basis over a 30 day period.

There are three general ways to engage in trend trading out on the markets when working through an ETF. Using a fundamental strategy, investors can work through the trading system to track trends over a long timeframe. This tracking allows one to identify movements on the broader market or even a defined market quite effectively.

With a fundamental strategy, a user or trader in an ETF can keep solid control over not only costs (ETF’s tend to be low in cost) but also in taxes that will result as a result of profits and losses within the trading activity over a set period of time. Portfolios involved in a fundamental strategy tend to be very traded at very infrequent intervals though they do provide broad exposure to markets.

Another good strategy when it comes to trend trading is to follow one based on sector tracking. When using a sector strategy, it’s necessary to follow trends in a market very actively and with an eye towards being able to react extremely quickly to those trends or changes. Sector strategy investors have portfolios that are traded and monitored quite frequently.

People using a sector strategy are also constantly looking for ways to get in and out of markets extremely quickly. Normally, they employed a momentum-based strategy to do so and they try to analyze things to the point where they know the best times to jump into and jump out of a market. Most beginners, though, are devised to use what experts call a blended strategy.

In a blended trend trading strategy, someone using a trading system to work through an ETF monitors a 200 day moving average in a market. In this way, the investor should be able to tell which way the market will actually be moving and also the areas in which they’re moving. They establish set signals to monitor long trends and they also make good use of a stop loss to keep a handle on overall losses that may occur.

Learn how it’s very possible to make 6% per month in your investment accounts using etf trend trading! “Big A” is a recognized expert in the world of etf trend trading system and reveals trading and investment secrets that have been kept under wraps by hedge traders for years. Get his free report and webinar today!

Turbo Credit Software Download (Consumer Edition – Credit Repair)

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Turbo Credit Software Download (Consumer Edition - Credit Repair)
 
Manufacturer: Turbo Credit Solutions
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List Price: $99.95
Sale Price: $49.95
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Product Description

Turbo Credit is a patent-pending software program designed to challenge and dispute any negative items that appear on a credit report. Turbo Credit features the TurboDispute Generator which generates dispute documents for Transunion, Experian and Equifax in minutes. Turbo Credit also includes TurboStop, an interactive software document that will legally stop the harrassing and annoying calls from the creditors. Turbo Credit will help get the most up-to-date and current credit report possible that will also maximize and improve credit scores. The Turbo Credit Advantage: Empowers American consumers to manage their own credit in the privacy of their own home. The Turbo Credit system is a similar system that financial, credit and debt professionals utilize for their professional fee-based services Turbo Credit allows American consumers to personally manage their credit just as millions of Americans use software programs to manage their money, budget and personal finances Turbo Credit provides the tools that can help consumers: Lower interest rates and get approved for home loans, auto loans, credit cards, etc., while getting the accurate credit report they deserve by law Challenge and dispute fraudulent and false information Improve credit scores by helping to remove inaccurate and erroneous information such as late payments, collections, charge-offs, judgments, inquiries, etc . . . Fight identity theft issues that appear on credit reports Turbo Credit helps the law work for you! It's the law! Information must be accurate and verified before it is entered on credit reports! If "reasonable procedures" have not been correctly followed by creditors or the credit reporting agencies, then any verified inaccuracies must be removed from their credit reports as defined in the Fair Credit Reporting Act (FCRA). Turbo Credit helps protect American Consumers rights guaranteed by the FCRA.

Product Details

  • Empowers American consumers to manage their own credit in the privacy of their own home
  • The Turbo Credit system is a similar system that financial, credit and debt professionals utilize for their professional fee-based services
  • Turbo Credit allows American consumers to personally manage their credit just as millions of Americans use software programs to manage their money, budget and personal finances
  • Turbo Credit will help get the most up-to-date and current credit report possible that will also maximize and improve credit scores.
  • Turbo credit cost only $39.95 and comes with a 30-day money-back guarantee

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Customer Reviews

Three Different Methods to Stop Foreclosure on a Home

If you are about to lose your home to foreclosure, you may be searching desperately for a solution that will allow you to save your home. I wish I could tell you the task you face is easy, but it isn’t. You may be facing an uphill battle, but there are three ways that you might be able to stop foreclosure on your home.

First, you can try stopping the foreclosure process by refinancing your mortgage. This is the process of obtaining a new loan to replace your current mortgage. If you qualify, your old lender will be paid off during the loan closing process for your refinance loan, and the foreclosure will be terminated.

If you want to try refinancing your home, it is best to do it as soon as you know you are going to have problems keeping up with your payments. You will have a better chance of qualifying for a new mortgage loan if your credit report still shows you up-to-date on your current mortgage. Time is of the essence when considering this method. It works best as prevention.

You can also halt foreclosure proceedings by filing for chapter thirteen bankruptcy reorganization. This procedure can sometimes save a home from foreclosure because it allows you to come up with a plan for paying off your debts that creditors must go along with. However, when you file for bankruptcy, it can stay on your credit report for ten years.

However, if your main goal is to keep from losing your home regardless of what happens to your credit, bankruptcy reorganization may be a possible solution for you. It’s important to find a good bankruptcy attorney with experience in foreclosures if you are considering this possibility. You can discuss your case with the attorney to get his or her opinion and go from there. Many attorneys offer free consultations for bankruptcy cases since it is such a competitive field.

A loan modification is the final option for stopping foreclosure. You may be able to get your mortgage holder to agree to accepting modified terms on your mortgage. This benefits the lender because they avoid the legal fees associated with foreclosure, and it benefits you because the new terms will make it easier for you to keep up with your payments. Your best chance for a loan modification comes after you have fallen behind on your payments but before the lender has started formal foreclosure proceedings.

If you are considering a loan modification, it can be helpful to have an expert walk you through the process. There are also books available that provide copies of the forms that are frequently used for loan modifications, along with instructions on how to fill them out.

Hopefully, one of these three methods will help you stop the foreclosure on your house so that you can remain in your home. Research all of the methods carefully to determine whether they will help you with your situation. Each method has its own set of risks, and only you can decide which course of action to take.

Once a bank has started foreclosure proceedings, it is almost impossible to get them stopped. However, there are a couple of different ways that it may be possible to Stop Foreclosure on your home. The first being Foreclosure Help.

Suze Orman Will & Trust Kit

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Suze Orman Will & Trust Kit
 
Manufacturer: Hay House
Customer Rating:
 
List Price: $19.95
Sale Price: $44.93
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Product Description

This is an easy-to-use and fast way for you and other members of your household to create your own advance directive, also known as a living will, durable power of attorney for health care, living revocable trust, and all the other must-have documents you need to protect you and your family. It’s as easy as 1-2-3—simply personalize, print, and protect.

Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit!

This kit includes:

• More than 50 state-of-the-art documents • Free automatic on-line updates • Verbal and written instructions taking you step by step through the four must-have documents • Password protection securing multiple users’ information • A tutorial that shows you everything you need to know • 10 electronic books

PC and Macintosh Compatible . . . and good in all 50 states!

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Related Finance Blogs

Quicken Premier 2009 [OLD VERSION]

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Quicken Premier 2009 [OLD VERSION]
 
Manufacturer: Intuit
Customer Rating:
 
List Price: $89.95
Sale Price: $54.99
Availibility: Usually ships in 24 hours
Free Shipping Available
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Product Description

Quicken Premier has all of the features of Quicken Deluxe -- plus investment planning tools to help better manage your portfolio and help maximize your investments.

Product Overview

See how Quicken Premier 2009 can help you save.

Quicken Premier Overview (1:42)

Watch introductory videos and get step-by-step instructions on how to add your online banking and credit card accounts.

Quicken shows you what's coming in, going out, and most importantly, what's left over each month to spend or save.

See what bills have already been paid, what's coming up, and if you have enough left in your accounts to cover them -- all in one convenient place.

Optimize your complete investment portfolio online
The Quicken.com Investing Portfolio gives you a 360° view across all of your investments -- anytime, from anywhere. Define goals, set targets, and perform thorough analysis of your 401(k), mutual funds, and stock investing with advanced tools and investing reports. Get alerts on your favorite stocks and funds to help you make informed decisions about your portfolio.

Instantly view your net worth for easy financial planning
Keep track of your complete financial portfolio with Quicken Premier's Net Worth Report. Gain insight into your investments with performance charts and reports.

Balance your portfolio with the latest asset allocation tools
Our investing tools have been updated with the latest asset allocation and investing guidelines to help you compare your portfolio to market averages, evaluate potential stock purchases and make smarter investment decisions.

Help ensure your portfolio is tax efficient
Quicken's Tax Reports make it easy to evaluate and ensure your investments are as tax efficient as possible, helping you get the maximum tax benefits on April 15th. Mark expenses as tax deductible throughout the year. Then, easily export your data directly to TurboTax for fast and accurate tax preparation. (1)

See where your money is going (a.k.a. "money management")
Check in anytime to see exactly where your personal finances are at for the month. Call it "financial planning" or 'budgeting," if you prefer, but it's really just being smart about where you stand. Quicken shows you what's coming in, going out, and most importantly, what's left over each month to spend, save or invest.

View all your personal finances in one place
Bring your online accounts together -- including online banking, credit card, loan, 401(k) and investing accounts. Avoid the hassle of going to multiple web sites. Now you can see it all in one place with just ONE password. Access over 6,000 banks, brokerages and other financial institutions -- including PayPal. (2)

Never miss a bill
See what bills have already been paid, what's coming up and if you have enough left in your accounts to cover them -- all in one convenient place. Set reminders to pay bills on time and instantly check past bills if you need to verify an unusual charge or transaction.

Save money and shop smart
Quicken's new, free service -- Quicken Picks -- helps you make the most of every dollar. Quicken Picks seeks out the best online coupons and discount offers just for you -- on the stuff you care about. And with Quicken Picks, you get cashback on all your purchases, helping you save even more. You can sign up for Quicken Picks anytime within your Quicken 2009 software.

Watch your savings grow
An insightful "My Savings Plan" summarizes your actual spending and compares it to what you planned to spend for the month. Quickly understand what's left over each month for you to invest.

Enjoy free support when you buy, install or upgrade Quicken
If you need help purchasing, installing or upgrading your new personal finance software, free phone support is available for Quicken Premier 2009 through December 31, 2009. For more information, visit our Help & Support area. (3)

100% Satisfaction Guaranteed
If you're not 100% satisfied, return Quicken Premier 2009 personal finance software with your dated receipt within 60 days of purchase for a refund of the purchase price (Return shipping and handling charges are not included). (4)

What's New in 2009

Improved! Never miss a bill
See what bills have already been paid, what's coming up and if you have enough left in your accounts to cover them -- all in one convenient place. Set reminders to pay bills on time and instantly check past bills if you need to verify an unusual charge or transaction.

New! Save money and shop smart
Quicken's new, free service -- Quicken Picks -- helps you make the most of every dollar. Quicken Picks seeks out the best online coupons and discount offers just for you -- on the stuff you care about. And with Quicken Picks, you get cashback on all your purchases, helping you save even more. You can sign up for Quicken Picks anytime within your Quicken 2009 software.

Improved! Optimize your complete investment portfolio online
With a new look and feel and smarter navigation, the new Quicken.com Investing Portfolio gives you a 360° view across all of your investments -- anytime, from anywhere. Define goals, set targets, and perform thorough analysis of your 401(k), stock investments, and mutual funds with advanced tools and investing reports. Get alerts on your favorite stocks and funds to help you make informed decisions about your portfolio.

New! Get help and guidance when you need it
Enjoy guidance and helpful tips on every page to help you stay on top of regular tasks like downloading transactions or scheduling bills. Instantly connect to the Quicken Community.

Improved! Connect to more financial institutions
We are constantly adding new financial institutions to help you better connect to all of your accounts. Quicken Premier 2009 personal finance software now offers access to over 6,000 banks, brokerages and other financial institutions -- including PayPal.

What's more, we make it easy to upgrade
Jump right in -- Quicken 20009 easily reads and imports your existing Quicken data.

(1) Online features require Internet access and are subject to change. Services vary among participating financial institutions or other parties and may be subject to application approval, additional terms, conditions and fees. More than 6,122 participating financial institutions as of 05/21/08.
(2) TurboTax sold separately.
(3) Email, Forums and Chat technical support provided 24 hours a day, 365 days a year. Phone technical support provided Monday - Friday, 5:00 am - 5:00 pm PDT. Additional fees may apply.
(4) If you're not 100% satisfied, return Quicken software 2009 with your dated receipt within 60 days of purchase for a refund of the purchase price (return shipping and handling charges not included).

Product Details

  • Simplify financial planning and tax prep with powerful personal finance investment tools
  • One-click reports (ex. Net Worth Report) provide a complete snapshot of your portfolio
  • A single password gives you easy access to your online banking and investment information1
  • Use powerful personal finance investment tools to define goals, set targets and optimize your portfolio
  • Get an instant snapshot of your performance at a glance

Video Reviews

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Customer Reviews

Are there any lenders out there for personal loans for people with no credit and no co-signer?

My Fiance and I have no credit at all. We are needing a personal loan for between 5-8000 usd. We have no credit and no cosigner available. Are there any legit lenders out there for people with no-credit.

There are very few legit lenders who will lend you money at a reasonable rate.

Here are a few suggestions. Go to companies who give out credit cards easily – like Home Depot and Firestone. Make small purchases and pay the required amount, timely, each month for 6 months, then pay them off. This will established a credit history for you. You can’t pay them off the very next month because then you have no "history."

I find credit unions are a little more liberal than banks. So, if you have access to a credit union, start there.

What is the Best Software Available For Personal Finance?

What is the best software available for personal finance? Both Microsoft Money and Quicken’s product were recommended to me — but both seemed to receive poor reviews at Amazon.com.

The problem with any software is that they add a ton of bells and whistles that most people don’t use to justify their existence.

I use Microsoft Money and I probably use 5% of the features.
Eg, I set up the accounts (a pain), I enter my transactions and I run a reports (also a pain to set up). I do not use the charts, I do not use the advice, and I don’t do any account management via signons and passwords. I’ve mimiced my paper records (which were too difficult to keep up with with a manual calculator).

If you’ve never used such software, I would suggest buying a sprial notebook and write down all expenses for a month before setting the software up.

My categories (that I’ve used for 20 years) are:
food & entertainment
car (gas, parking, everything)
appearance (exercise, clothes, medical)
miscellaneous
books & records
hobby (this needed it’s own category)
phone
financial expenses (finance charges, account fees, work expenses)
trips and gifts
Housing (Rent, Utilities, Insurance, Taxes, Furniture)–I used to use several categories, now I don’t.
Income taxes
Social Security
Medicare (These I had as one category and now split them out to match the paycheck stubs).

I found the myriad of choices in the software to be far too much.

Avoiding Credit Card Debt Tips for College Students

Credit card companies are marketing to college students on campus and social networking sites. U.S. News associate editor, Kimberly Palmer, examines the pitfalls of credit cards and ways to avoid credit card debt.

Read the full U.S. News article at http://www.usnews.com/articles/business/your-money/2007/12/24/pushing-credit-on-the-college-crowd.html

Duration : 0:1:24

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