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Research: When to Expect Your Check Deposits to Become Available (2014)
Today, Jul 31

Research: When to Expect Your Check Deposits to Become Available (2014)

Did you know that the funds from a deposited check are not actually yours until it’s been cleared by the bank? Many people mistakenly believe that banks add funds immediately into your account after the check has been deposited — but this is merely the first step. Find out more about the fund availability policy at America’s top 10 banks.

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How to Avoid a ‘Holding Account’ Nightmare If You Overdraw Your Checking Account
Yesterday, Jul 30

How to Avoid a ‘Holding Account’ Nightmare If You Overdraw Your Checking Account

When it comes to keeping track of one’s finances, most people can admit they’ve run into at least some sort of issue at one point or another. Indeed, financial confusion can be rather easy to stumble upon, regardless of how much effort you put into managing your money. Many people have learned the hard way

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Best Low Interest Credit Cards to Help You Eliminate Debt 2014

Best Low Interest Credit Cards to Help You Eliminate Debt 2014

You’ve heard of people getting trapped in credit card debt even though they’re making large monthly payments. The culprit? Interest. With a low interest credit card, you can minimize the interest that you pay and avoid falling into this trap yourself. To warn you about the pitfalls of a high interest rate (sorry, but we think it’s for

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Try These 3 Easy Tricks to Avoid the American Express Serve Monthly Fee
Jul 28

Try These 3 Easy Tricks to Avoid the American Express Serve Monthly Fee

To consumers like you and me, monthly fees are the bane of financial accounts. If we’re not paying those fees, we’re jumping through hoops to avoid them. Even for an extremely consumer-friendly prepaid card such as American Express Serve, there’s a pestering $1 monthly fee ($0 in NY, TX and VT). Frankly, it’s not much.

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Carefully Track Hidden Home Purchase Costs So You’re Not Suprised Later

Carefully Track Hidden Home Purchase Costs So You’re Not Suprised Later

A new survey shows 94 percent of prospective home buyers believe they’re going to be making a good investment, according to a poll conducted for Discover Home Loans. A large majority of these soon-to-be buyers are confident in their ability to secure an affordable loan and obtain the type of property they want while most

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Amex Serve Stands as the Better American Express Prepaid Option
Jul 25

Amex Serve Stands as the Better American Express Prepaid Option

Leave it to American Express to make things more confusing in an already-crowded market by offering two very similar options for people who are looking for an alternative to a traditional checking account. They are the Amex Serve prepaid card and the Bluebird account — both of which are assuredly great options. But, if you were

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How Amortized Fixed-Rate Loans Help Keep Your Final Mortgage Payment In Sight

How Amortized Fixed-Rate Loans Help Keep Your Final Mortgage Payment In Sight

Amortization, the word, stems from the Latin “mort,” meaning death. In real estate speak, it literally means to “kill a loan” over a defined period of time. This deadly fixed-rate mortgage (FRM) instrument is actually a good disciplinary tool for consumers who prefer predictability when it comes to their financial lives. Although conservative by design

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Best Prepaid Debit Cards With Low Fees 2014
Jul 24

Best Prepaid Debit Cards With Low Fees 2014

We get it. Not everyone can get (or wants) a traditional checking account or credit card. But, in this day in age, you still need to swipe. Right? That’s why prepaid cards exist. Why you should get a prepaid card: You have difficulty getting a checking account or credit card. You need a debit card

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Why This $3.4 Billion Bank Buyout Proves the Housing Collapse Is a Distant Memory
Jul 23

Why This $3.4 Billion Bank Buyout Proves the Housing Collapse Is a Distant Memory

It seems as if the stream of news regarding bank buyouts will never let up. Indeed, we’ve already heard plenty over the course of the past few years about failed banks, and 2014 hasn’t shown much of a slowdown for the trend. Now, CIT Group plans to purchase OneWest Bank for an astonishing price of $3.4 billion.

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When to Make the Switch From a Secured Credit Card to a Unsecured Card?
Jul 22

When to Make the Switch From a Secured Credit Card to a Unsecured Card?

You were told that to build or repair your credit profile, a secured credit card was the right way to do it — so you got one. Now that you’ve had a secured credit card for some time now, you feel that you deserve to have a regular, unsecured credit card. We’ll show you how

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