Are you looking for a credit card that gives you cash back? Cash back credit cards are becoming more and more popular. The terms of these cards are getting better at the same time.
What to look for when choosing a cash back credit card:
1. Annual Fee on the credit card
2. Percentage of cash back
3. Is there a maximum cash back
4. Check what percentages at what levels. Some cards pay good percentages back but only after you reach a certain level.
5. Always check the interest rates on credit cards.
These are the 5 things I would recomend looking at when choosing a cash back credit card. Choose the correct one and reap some great cash back on your credit card.
Mortgage rates fluctuate state by state and day by day. With the home purchase normally being the largest purchase a person makes having the right mortgage is important.
I am in the process of purchasing a home as many of you know and am to the point of purchasing points or not. A point on your mortgage normally costs you 1% of your mortgage. For example if you were borrowing $100,000 a point would cost you $1000. Discount points are fees paid to a lender at the closing to lower your mortgage interest rate. While buying points is sometimes a good decision, often times purchasing points costs you more than you save.
Continue reading »
The Commerce Department just released its 2006 personal-savings figures. People didn’t save. In fact, nationwide they spent 1 percent more than they earned. That’s the poorest showing since the Great Depression, and it’s getting worse. So if you feel you’re contributing to this troubling trend, I have some ideas to help.
The facts suggest we all need to take some bad-tasting medicine for getting — and staying — out of debt. As the expression goes, when you’re in a hole, stop digging. If you’re in debt, that means putting a halt to the behaviors that got you there. If you’re out of debt, it means leaving the shovel alone.
Continue reading »
Negotiating should be a win-win situation. Everyone should pay what is fair, and the other side should receive what is fair. If we all had this win-win attitude the art of negotiating would be better. But what is a win-win? How do you figure it?
Remember the goal isn’t just getting the most you can. It is making both parties happy in the end. Continue reading »