2016 ~ ishare-animals4day

A Guide to Negotiating a Better Interest Rate on Your Credit Cards

When you carry a balance on a typical credit card, the credit card company is simply extracting money from your wallet. If you carry a $2,500 balance for a year on a typical 20 percent APR card, that means you're giving the credit card company $500 of your hard-earned cash just to keep that $2,500 balance. That's $500 that just blows away in the wind. The higher the balance, the worse it is – and the higher the APR, the worse it is, too. One of the best money-saving strategies is to simply reduce that interest rate. If you knock an interest rate down from 20 percent to 10 percent, you save $250 a year in the example above. That's a lot of money.

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Rewards junkies are always looking for a way to pile up more miles or points without getting on an airplane. The good news is that there are plenty of great ways to do that. Applying for a credit card with a big sign-up bonus is maybe the best example, but is hardly the only way. Dining in the right restaurants can get you extra points, too, as can buying items through a card issuer's shopping portal. There are seemingly as many ways to boost your miles as there are cardholders seeking to boost them. However, that doesn't mean every way to grab more rewards is a wise move. Take, for example, paying your taxes with a credit card.

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Money remains a leading cause of stress in romantic relationships, according to surveys released ahead of Valentine's Day. But that doesn't mean you should avoid discussing finances, they say. In a Country Financial Security Index Survey called "'Til Debt Due Us Part," more than 9 in 10 of the 1,000 respondents told the insurance company it is important to discuss finances with their significant others. About 7 in 10 surveyed said they prefer to start conversations about personal finances within the first few months of a relationship or sooner. Joe Buhrmann, manager of financial security at Country Financial, says in a press release:

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On the list of things you hate, somewhere in there is probably learning that something you didn't think you had to pay tax on, you do. Any money that comes into your life can be taxable, says San Diego-based tax attorney Sam Brotman. "Technically, under Internal Revenue Code Section 62, the IRS can find a way to tax almost every way of receiving money ... Even finding $20 on the street would be considered taxable, and the IRS would want their fair share of the money that you receive," he says.

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The first step on the road to recovery is to start repairing your credit. A recent study by FICO found that the higher your credit score before the foreclosure, the longer it would take to fully recover. For instance, a homeowner with a credit score of 680 would take around three years to get back to that pre-foreclosure credit score. But a homeowner that started out with a score of 780 would require seven years after a foreclosure to get back to where they were.

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From Manic Monday to Twisted Tuesday to Wacky Wednesday, it seems like there’s no escaping the chaos of a whirlwind work week. By the time we finally reach Friday, we’re ready to give thanks with that celebrated saying, “TGIF.” Yes, weekdays can drag on, and on, and on -- but they shouldn’t have to. You should enjoy every day of the week. Together with Buick's 24 Hours of Happiness Test Drive, we’ve found 24 ways to make your next 24 hours productive, enjoyable and -- gasp! -- even relaxing.

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Being financially literate, or understanding all aspects of your financial life, is crucial to becoming confident about money. But often, we're too embarrassed or uncomfortable to talk about money openly. According to a 2013 Wells Fargo survey of over 1,000 adults, 44 percent of respondents said "personal finances" is the hardest topic to discuss with others, followed by "death" at 38 percent and "politics" at 35 percent. Money topics such as debt, student loans, salary, credit scores and even saving for the future can cause paralyzing anxiety. A 2014 National Foundation for Credit Counseling study on financial literacy showed that only 2 in 5 adults believe that, if their money could talk, it would say. "We've been a successful team."

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If you're barely getting by, it may seem crazy to try to emulate a millionaire. After all, millionaires have a ton of money, and you don't. And while some millionaires used their wisdom and wit to get where they are, there are presumably plenty out there who were born wealthy and had numerous advantages growing up. But advice for the rich is often universal, and there's a lot we can learn from the wealthiest of the wealthy. With that in mind, we tapped some financial advisors who represent millionaires and asked them to share advice they give their clients that also applies to the rest of us.

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You are ready to purchase a home. You have done your homework and mapped out your affordable price range, saved sufficient down payment money, found a suitable lender, and have looked at some of the available homes. You've checked out the neighborhood (as well as a few neighbors) and found homes in areas that you find appealing. Have you given thought to how your choice of neighborhood can affect the lasting value of your home? Assuming that you have evaluated the aesthetics of the neighborhood and found a home that appeals to you, here are a few tips to see if the value of that home is likely to hold.

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How does money go missing? Most frequently, people move, and a refund check or account statement is no longer deliverable. Because of this millions of dollars are waiting to be claimed in old bank accounts, pension plans, forgotten 401(k) plans, and at the IRS due to undeliverable tax refunds. Some of it might be yours. How do you find this lost money? Let's start by checking with the IRS. Each year thousands of income tax refund checks are returned to the IRS as undeliverable because the taxpayer has moved, changed his or her name, or simply because the check has an incomplete or improper address.

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There is a downside to dividend stock investing that doesn’t get highlighted very often. A stock with a dividend may not always be able to pay that dividend. The ability for a company to return cold hard cash to shareholders in any sustainable fashion is dependent on the company’s ability to generate enough free cash flow to both grow its business organically or through acquisition, and pay a dividend. Yet, not all dividends are sustainable. During the financial crisis, virtually every hotel REIT suspended its common dividend, and some even suspended preferred dividends. They had to hoard as much cash as they could because business was destroyed.

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