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We offer useful information, tips and advice related to personal finance.

libor

What Exactly Are The LIBOR Rates? LIBOR stands for London Interbank Offered Rates. The LIBOR Rates are benchmark interest rates set by an organization in the United Kingdom called the British Bankers’ Association (BBA). The LIBOR rates are used...

Prime Rate

Careless appraisals of low quality, mortgage-backed securities by ratings agencies, combined with low interest rates and irresponsible lending created the subprime mess that is clogging up American and global financial markets.  In many par...

Balance Transfer Credit Cards

Including in this lens are some timeless tips on how to take advantage of 0% intro APR credit card balance transfer offers in the American market. Caveat #1: Make sure you find out the interest rate that you will pay once the interest-free period ends...

Balance Transfer

One of the great things about living in the United States is that for most people who are responsible with their finances, there are lots of banks offering all kinds of credit for consumers, including lots of excellent credit card offers. De...

no balance transfer fee

The credit crunch that's been causing problems in American credit markets has been affecting all classes of Americans, from billionaire Wall Street insiders trying to finance huge corporate takeover deals to middle-class consumers looking for attract...

Business Credit Cards

Small business credit cards are great. Access to temporary financing is critical for my small business, and I'm sure this is the case for most small business owners across the country. Business credit cards help to keep your accounting organized so t...

Credit Card Balance Transfer

Problems with subprime mortgages have caused banks in America and across the globe to cut back on lending.  In the U.S., credit consumers are starting to feel the pinch of the credit crunch, as fewer credit card applications are getting approved...

Small Business Credit Cards

Small business credit cards are great. Access to temporary financing is critical for my small business, and I'm sure this is the case for most small business owners across the country. Business credit cards help to keep your accounting organized so t...

prepaid credit cards

Prepaid credit cards are just like credit cards except, as you might have guessed, you prepay or "fill" your account with money before you use the card. Your are not extended a line of credit and therefore you do not go into debt and you do...

Credit Cards are better than Debit Cards!

Credit Cards are better than Debit Cards! Lots of finance gurus have been extolling the benefits of using debit cards instead of credit cards. Sure, debit cards are great, but credit cards are still the best tools available for short-term financing....