Credit card

An unexpected expense can wreak havoc on your monthly budget or leave you scrambling to find a way to cover the bill. However, according to a report appearing in USA Today, many Americans do not have the savings to cover an unexpected expense of $1,000. Approximately 75 percent of households earning less than $50,000 per year and 66 percent of those earning between $50,000 and $100,000 annually stated that they would "have difficulty" raising $1,000 for an unexpected expense. A study conducted…

circumstances where the prices of certain commodities seem as if they are set in stone, obtaining a discount on the price can be as easy knowing how and whom to ask for the same. When it comes to the settlement of balances that individuals own on their credit cards, the opportunities for negotiation as to what is actually owed is greater than ever. A little bit of guts and knowledge is all that is required for reducing the debt balances by almost three-quarters. It is important, before going…

because of a credit card? Do you ever find yourself thinking that the credit card is evil or out to get you? Why have one then? Because you can pay for things online or over the telephone with a credit card, but guess what, you can do all those things with a debit card. A huge target for credit cards are teens, because they don't know how to really deal with money, and that's when a lot of mistakes happen. If credit cards are so bad, why do people use them? Then again credit cards are good…

Have you wondered if the MasterCard Fees and Visa Fees were genuine or were they made up? Have you ever wondered what were the deep dark secrets concerning Merchant Services Costs? What about why there was so much fine print in that Merchant Services Processor's contract. Why is there an early termination fee? The rate costs come from MasterCard Management Services and Visa Management Services and are generally updated twice per year. The rates that you are charged is based on their…

Money laundering is to hide the origin of such proceeds obtained through crime, or change the form of money or means to disguise the true owner. Illegal money laundering scale goes from around the world showed that up to $ three trillion 8650 a year. In countries that astronomical proceeds of crime are converted into legitimate funds through financial institutions such as banks are struggling to prepare countermeasures. According to UNODC, The funding of up to 5% of the world's 189 countries in…

According to the Federal Trade Commission, identity theft occurs when “someone uses your Social Security number or other personal information to open new accounts, make purchases, or get a tax refund” (“Identity Theft,” 2015). Identity theft does not only occur with opening new accounts, but can also encompass gaining access to existing accounts opened by the real individual. This crime is very prevalent and it seems that there is not a downward trend of those affected by it. This is a topic…

The cost of victimizations cannot be measured solely in monetary terms. The losses people suffer can be identified as either intangible or tangible. Tangible costs are hard to translate into dollars and cents but refer to the pain, suffering, and reductions in the quality of life individuals endure when they are shaken or even traumatized by negative events. Tangible economic losses are relatively easy to measure monetarily whenever offenders take cash or valuables, steal vandalize, or destroy…

As negative as the fringe banking industry is thought of, their business still continues to grow. The customers that are able to pay back their loans when they are due generally benefit from their access to short term credit. But the data from borrowers of the payday lending industry show that the majority of the people used their loan to pay for recurring expenses, making the use of these loans risky. The borrowers who are the worst off however, are the people who are unable to pay back their…

the quantity of days in the year. Once more, every bank and sort of advance is diverse regarding how long in the year are utilized. The educational part of the spreadsheet is imperative since you need to obviously see the variables that affect your credit. After you enter the key bits of data, you can start the development of your intelligent spreadsheet. You will probably make a spreadsheet that shows when every installment is posted, the amount of every installment is connected to important…

On December 21st, Ryan Bergum, Tavion Foster and Zachary Smith got to loan $25 to a person that needs money to expand their business. Before they loaned, they had a day full of learning about people and the environment in different countries. Towards the afternoon they got to pick who they wanted to loan to. They loaned the money through an organization called Kiva. Kiva is not like any organization though. Most fundraising buisnesses give money to someone in need, then they use it,…