Citi Simplicity® Card Review – No Late Fees or Penalty Rate Hikes

Would you like a credit card with no late fees, no annual fee, no penalty rates hikes, and more?

Take a look at the Citi Simplicity® Card!

In this review I’ll show you the basics of what this card is all about so you can see if it’s the right card for you.

Right off the bat you are getting a card with a very long 0% introductory and balance transfer APR rate (18 months).

If you have credit card debt on other cards, and the interest rate is weighing you down, transferring your debt to a card like this can really help you make a dent in your debt (assuming you will be paying off more than the minimum amount due, of course).

Transferring my debt to a 0% Intro APR card years ago helped me pay off my credit card debt faster.  You are able to make payments that go right to your principle rather than paying off your interest.  This lets you pay off more faster.

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What is COBRA Continuation Health Insurance Coverage – How Does It Work?

One of the biggest fears any of us have about losing a job is the loss of health insurance.

COBRA continuation health insurance was designed to eliminate that fear, but the reality is that relatively few people ever take it.

Why is that?

COBRA seems simple, and on the surface it is.  Details of the provision on the other hand, are anything but.

What is COBRA Continuation Health Insurance Coverage?

COBRA is the abbreviation for the Consolidated Omnibus Reconciliation Act of 1985 It was enacted by the U.S. government that mandates providing employees with continuing health insurance coverage after separation from their employers.  The Act has been in existence since April, 1986, and covers most employees.

How Does COBRA work?

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The Best 0% Purchase Credit Cards of 2014

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A great way to save money and earn reward points is to use a 0% purchase credit card (note that these 0% rates are introductory).

These cards can be a great way to avoid paying interest while gaining credit card benefits, rewards, miles, or cash back.  Additionally, 0% purchase credit cards offer an opportunity for you to make a slightly larger purchase, and pay it off over time.

Another bonus is the fact that many of these credit cards also come with 0% balance transfer offers.

It’s important to understand, though, that 0% Introductory rate purchase credit cards should be used carefully, and with planning.

When used as part of a plan, o% Introductory rate purchase cards can give you the advantage of a great introductory rate, and the ability to rack up the points or miles.  And, because you have an introductory period, you can take two, three months, or longer to pay off a larger purchase.

Don’t Use the 0% Introductory Rate, or the Rewards, to Justify a Purchase

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What are the Different Stock Market Exchanges?

The stock markets are often referred to as “the stock market”, as if it’s a single unified market.

The reality is that nothing could be further from the truth.

What we refer to as the stock market is actually a collection of markets, some domestic, some foreign.

What are the various stock markets, and why are they different?

The New York Stock Exchange, or NYSE

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The Taxpayer Relief Act of 2013 – The Fiscal Cliff Averted

In an unusual act, Congress convened and passed a big time piece of legislation on a major holiday – New Year’s Day.

The bill, the Taxpayer Relief Act of 2013,  prevents the country from slipping off of the so-called fiscal cliff and it seems to have worked–at least temporarily.  Instead of collapsing on the first trading day of the new year, the financial markets had a strong rally on news of the passage of even an imperfect bill.

What Just Happened with Congress and the Fiscal Cliff?

The fiscal cliff negotiations were originally expected to include tax issues, spending, deficit reduction and even a hint of real tax reform.  Nothing that dramatic came about, but here are some highlights of what has been delivered:

  • Most Bush-era tax cuts have been made permanent
  • Jobless unemployed insurance benefits for 2 million long-term unemployed were extended for a full year
  • A Medicare reimbursement cut of 27% has been prevented
  • The top tax rate has been increased from 35% to 39.6% for individuals earning over $400,000 and couples earning over $450,000
  • Taxes on high income taxpayers will also increase on income from capital gains and dividends as well as inherited estates
  • Blocked a provision that would have made millions of middle class taxpayers subject to the Alternative Minimum Tax (AMT)

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The Debt Movement – Pay Down Your Debt, An Interview With Jeff Rose

Are you in debt?

I don’t mean to get all personal on you.  It’s OK to admit though, many of us are in debt in some way, shape, or form (we are).

If you want to get rid of your debt help is here – The Debt Movement.  

This will be a HUGE 3-month push to pay down debt.  You will have the opportunity to join together with personal finance bloggers as well as people like yourself who are working their way out of debt.

I had the fortune of shooting a few questions to Jeff Rose, The Debt Movement’s founder and chief evangelist , also known for his excellent site Good Financial Cents.

Me: Jeff, what is The Debt Movement all about?

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Best Careers for the Future

What are the best careers for the future?

Rather than doing the usual “Top 10 Careers for the Future”, I’ve decided instead to look at several broad career fields and highlight the better performing careers in each field.

Not everyone is cut out to be a doctor or an engineer, so we’ll take a look at a number of careers and hopefully you’ll find one that works for you.

Each career listed will include median pay level and projected job growth from 2010 through 2020.  Source: the Bureau of Labor Statistics (BLS), Occupational Employment Statistics

Healthcare

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