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  1. Debt Reduction & Money Management
    Personal Finance - Expert Money Saving Tips, Advice & Questions - TODAY.com First off, it was difficult for me to watch this because it was so fast and hyped up. I don't know how to explain it but I've been away from regular tv and now have a very low tolerance for it. She repeated herself a...
  2. General Chat
    Next month my Visa is due to expire...I'm thinking of closing the account as I strap down useless spending inorder to pay off the mortgage faster. My questions are: 1) Is there an annual fee? 2) Is there an interest rate? 3) Is it easy to use onine shopping or a hassel in regards to extra steps...
  3. Debt Reduction & Money Management
    Great article. I assumed the debit card fees meant that we pay more at the register, but then again I don't think I had really seen anyone acknowledge that. Michael Hiltzik: A debit of gratitude to Bank of America - latimes.com
  4. Debt Reduction & Money Management
    Feds adopt a change to the law. Cap merchants pay increased from 12 cents to 21 or 24 cents (if they show good fraud policies basically) It does only affect debit cards run as a pin and signature base. Not credit cards they do not have a cap. Since debit cards run on signature base in the past...
  5. Question and Answer
    So I just opened my checking account online today and I got this message: My situation is the following: I have a checking account at this bank. It has most of my savings in it. I almost never use the debit card. We have an emergency fund. It is extremely unlikely that we would have an...
  6. Debt Reduction & Money Management
    I was reading this article and it says 10 places not to use a debit card. After reading it, I am wondering what is left? There isn't anyplace to use the debit card then. Why can't we have safeguards in place for the debit card then. 10-places-not-to-use-your-debit-card: Personal Finance News...
  7. General Chat
    I have a friend that did the following: thought she purchased some UGGS boots but found out it was a fake website. $165--use visa debit card cancelled everything within minutes of finding out that it was a fake website. 3 weeks have passed. No boots. Charge remains. She is out $165...
  8. Question and Answer
    I'm currently in the process of snowballing a little debit we have. We have savings in place, but don't want to wipe it out unless I really have to. (small cc balance 0% int & small personal loan) I keep hearing about having an emergency fund setup. Is this a cushion for unexpected expenses...
  9. Debt Reduction & Money Management
    Be careful with your debit cards. I would hate to be reading posts about somebody here paying a $35 fee. :thud: That would suck! Article here
  10. News you can use
    Don't use debit card for car rental Using a debit card for a car rental can be a costly way to go.
  11. News you can use
    Visa rescinds debit card rule Consumers can now use Visa debit cards for smaller purchases without entering a personal identification number, the same way ...
  12. Debt Reduction & Money Management
    I over spent today because I was using my debit card. My kids have not done anything in so long plus we needed to get out of the house for awhile today. We stopped at Kmarts to see if there was any clearence deals left on clothes. I found some great deals, I got a beautiful size 3 furry jacket...
  13. News you can use
    The lowdown on Wal-Mart's debit card If you don't have a banking account or you've bounced checks, this card could be a good thing. Its fees are relatively low, and you may be able to avoid most of them.
  14. News you can use
    A 401(k) debit card?! It's not so bad An innovative loan program has some intriguing benefits, including more ways to pay back the money. But, as always, you'd better have a good reason for tapping your retirement funds.
  15. Debt Reduction & Money Management
    I get this all the time! People believe that they cannot survive in life without a credit card. I read the same excuses in various places online and I get confronted with these beliefs in person. You have to have a credit card in order to do the following: Rent a car Buy a plane ticket Rent a...
  16. Leisure & Media Arts
    http://www.consumeraffairs.com/news04/2007/06/debit_receipts.html By Joseph S. Enoch ConsumerAffairs.Com The Federal Reserve Board has voted to no longer require merchants to provide receipts for consumers who make debit card purchases of less than $15. According to a Federal Reserve Board...
  17. Leisure & Media Arts
    Not to spend on themselves but others. http://www.breitbart.com/news/2006/10/30/D8L33HD80.html "People can give the entire sum to one person _ relatives aren't eligible _ or they can split it among charitable causes." What would you do with it?
  18. Question and Answer
    Anything under $20 I pay for in cash regardless of what type of expense it is. Anything else gets paid with a credit card that gets paid off every month.
  19. Debt Reduction & Money Management
    not long ago I stopped using the cc and started using the debit for everything. Well, I messed up and have a pile of overdraft fees. So.... I'm going card free for a while. I will take out $75 per week in cash for my gas, groceries, and misc. expenses for the week. I'll just have to make it...
  20. Frugal Living
    If you can't or won't use cash, do yourself a favour and at least keep good records. In a note book have a running total of  what you have spent which you can deduct from your overall budget allowance, so that you know exactly where you are with your "virtual cash";) Make a note of the date...
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