New Credit Card Act In Action – Effects of Not Paying in Full

Amex+Credit

I received my American Express Blue bill recently.

When I opened it up the bill looked a little different.  To my surprise there was specific information that now appeared as a result of the new credit card rules from the Credit Card Act that took effect in February.
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Is It OK To Copy Your Children’s DVD’s

Pile of DVD's

I’m not much of a DVD movie buyer.

Back in the day I would buy VHS movies that I liked.  Most of them were watched frequently so the purchases were justified (I even wore a few out).  But now that we are in the age of DVD (ok, we’re probably past that, but I’m a little slow to catch up to BluRay), I don’t really need DVD’s of my favorite movies.  With cable and Netflix around I can always find something to watch and hardly get to any of the few DVD’s I already own. 

But there’s one BIG exception – KIDS MOVIES!
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Do You Have What It Takes To Manage Your Money?

Growing+Money

Do you have goals, dreams, and ambitions? Chances are you do, which brings me to my next question.  Do you have a budget?  If you don’t have a budget then the chances of you reaching those goals, dreams, and ambitions are smaller than if you had a financial road map to follow.  Unfortunately, too many people attach negative connotations and misconceptions to what budgeting actually means for you.
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Blueprint For How To Make Money With Your Blog – eBook

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Do you want to make money with your blog? You work your rear off writing great articles and designing your site.  Would you love to be able to earn some income for your work?  With the right steps you can build up a site that can supplement your salary, pay off your car, pay your mortgage, or perhaps even one day become a full-time career.

But where to start?

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New Credit Card Rules Take Effect

Today is the day credit cards change ways they do business. Most of the rules in the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 are going into effect today.

Here is a rundown of what changes are taking effect (for more details see my article The Credit Card Accountability, Responsibility, And Disclosure (CARD) Act Of 2009- Effect On Credit Card Holders:
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Pay Off Highest Interest Or Highest Balance Credit Card – Analysis Paralysis

Choose

The question comes up all the time when a person wants to start getting their credit cards under control – Pay off the cards with the highest interest or the cards with the highest balance?

On the one and you have high interest credit cards – A high interest rate costs you every month and compounds the amount you owe every month you aren’t paying off the entire balance.  High interest costs you for what you borrowed.  For some people the interest rate can close in on 30%.  That’s basically agreeing to pay one third more for everything you bought on the card (or more depending on how long you owe)!

On the other hand you have high balance cards – You’ve used the card so much that the balance may be in the thousands and no matter what you are paying the balance doesn’t seem to ever go down.  Even if you have a low interest rate you may be paying a lot of interest because of your high balance.
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Monster TurboTax Online Tax Software 2009 Review

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[Here is a review of TurboTax 2010 online tax preparation software]  Below is the 2009 version.

Back when I started working and had to file taxes I would go to the library to pick up the necessary forms.  I’d set aside an afternoon to go through the 1040’s and see what I needed.  Then I’d spend the rest of the time getting my head around the forms and carefully filling out what was needed.  My taxes weren’t complex and there was no online filing back then (did I just date myself a bit?).  It still made my head spin a bit but that’s what I had to do.  A few years later I discovered TurboTax.  It was an expense to use at the time, but it was well worth not having to go through all of the forms figuring out what to fill out where.

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