When reading about investing, you often hear that it’s important to do your research. That educated investing is the key to successful investing. That you should never invest a dime until you understand just what it is you’re investing in. However, there’s not much information out there about where or how to find the information … Read more
Cash Back on credit cards is a customer rewards system, first introduced by a division of Morgan Stanley all the way back in 1986.[1] A percentage of all money borrowed on the credit card is returned either as a bank deposit or as a ‘statement credit’ (meaning a deduction from your next credit card payment). … Read more
Investing is an important part of saving for the future. One of the hardest parts of investing is building a portfolio of stocks and bonds that you’re happy with. Mutual funds are a way to easily invest in pre-built portfolios. What are Mutual Funds? Mutual funds are a type of investment that you can use … Read more
When building a balanced investing portfolio, you’ll want to include bonds in your asset allocation. These assets provide safety and stability, offering relatively slow growth and reliable returns. As you begin to research which bonds to buy, you’ll realize there are several different types of bonds, with the two most common being corporate bonds and … Read more
Morning, y’all! Been a while! Jordan over at The Wealth Letters prompted me to share my thoughts on “wealth” for an upcoming book of his (cool!), and what began as an outline for an article somehow managed to morph into a poem, lol… So please to enjoy today: a poem about wealth! ******* “Wealth is … Read more
Morning, y’all! Been a while! Jordan over at The Wealth Letters prompted me to share my thoughts on “wealth” for an upcoming book of his (cool!), and what began as an outline for an article somehow managed to morph into a poem, lol… So please to enjoy today: a poem about wealth! ******* “Wealth is … Read more
Buyer’s regret happens to the best of us. Perhaps you are not as in love with your purchase as you thought, or the item is defective. With that in mind, this is why credit card issuers allow for credit card refunds. Making a return on a purchase is a relatively straightforward process, as long as … Read more
Credit utilization is one of the most important factors contributing to your credit score. Your credit utilization ratio refers to how much available credit you have at a given time. Credit utilization is critical because it signals to lenders whether you can use credit responsibly and pay your debts. In fact, credit experts say that … Read more
The majority of Americans have credit cards and utilize them regularly. When paying your credit card balance, sometimes an overpayment on your account can happen, and people are left wondering, “What happens if you overpay your credit card”? This article will explain what an overpayment is, why it happens, and what to do about it. … Read more
A credit limit is the maximum amount of money you can borrow on your credit card. It is an essential factor in determining your credit score because it’s used to calculate your credit utilization ratio. The card carrier determines your initial credit limit, but they may offer you a higher credit limit or automatically increase … Read more