If you're reading this, I'm sure you've heard all the noise about Apple's newest products like the iPhone 6, 6 Plus, and the Apple Watch. While these new products are very exciting, I'm most excited for Apple's announcement about Apple Pay, which finally makes use of NFC technology in your iPhone 6 and Apple Watch to attempt the impossible: replace your wallet.
Every few years, car lovers rejoice when their favorite models are redesigned and improved. Like new cars, new formulas used to create credit scores are also released every few years, and the latest version of the FICO credit scoring formula has the personal finance world abuzz.
With student loan debt soaring and the high cost of tuition, it’s safe to say that finances is on every college student’s mind. As every semester rolls around, it’s that time again for planning your schedule, paying tuition, and of course, buying your textbooks.
Choosing where to attend college is, for many, the first major choice of one's adult life. For grades preschool through 12, most are sent to public schools determined by location or shepherded to private schools of their parents' choice.
In my post-college years, I've reflected on my four years at school as my formative years because it forced me to learn how to live on a tight budget.
Ok, tight budget might be selling it short. I was straight-up poor. My low point was doing an entire load of laundry in the bathroom sink of my sophomore year dorm room. My roommate wasn't thrilled when our room became my personal clothesline to dry them, but I must say, they came out (mostly) clean.
I was once an undergrad without credit. I thought living credit-free was a good thing- no debt, living within my means, saving money. However, when I tried to rent an apartment my first semester off-campus, I found myself asking my parents to co-sign, since I wasn't deemed 'creditworthy' enough to rent on my own. That is when I got my first credit card (an SPG Amex) and began the slow march to adulthood. Since it's almost time to return to college for many readers, we thought it would be a nice idea to highlight a few key lessons on how credit works, and some good student credit cards out today.
The college years definitely have their ups and downs. It’s an exciting time filled with making new friends, gaining an education, figuring out what direction you want your life to go, and, hopefully, having fun along the way. But there’s a lot of stress, and for many, the biggest stressor is money. To help ease some of that anxiety, learn from other’s mistakes. Here are eight things college students waste money on.
Identity theft incidents have reached 9.9 million per year, according to the Federal Trade Commission. We’ve covered How To Protect Your Credit on the blog, but regardless of how careful you’ve been, identity theft can happen to anyone. Realizing you have become a victim of identity theft can feel overwhelming, stressful, and violating. In addition to the emotional turmoil, it can be devastating to your money, credit and financial future.
With Chase’s Ultimate Rewards points being some of the most valuable points around (due to the availability of great transfer partners in their program), any way to earn more points quickly is crucial. You can often squeeze two cents per point of value out by utilizing transfer partners in the right way. Yesterday, we got word that Chase has raised the sign-up bonus for their Chase Ink Plus card to 70,000 miles for in-branch applications. That's 10,000 points above the current 60,000 point offer and 20,000 above the historic 50,000 point sign-up bonus. Let's dive into just how to take advantage of this offer!
If you've been paying attention to credit card rewards programs, you probably think Citi ThankYou Points are kind of a joke. Once a great program, ThankYou points were devalued over and over until the same points that once could sometimes get you across an ocean were all but useless. Until today.