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  • Home
  • Savings
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  • Bank Games
    • Bank Game: Financial Football
    • Bank Game: Road Trip to Savings will Make or Break You
    • Jet-Ski Your Debt Away
  • Articles
    • We Are Rich
    • Time or Money
    • 7 Correct Money Principles
    • A Penny Saved Is A penny Earned
    • Slash Spending – Boost Your Money Market Account
    • Save Money on Household Utilities by Going Green
    • Saving Money and Sanity with Realistic Savings Goals
    • Money Resolutions: 3 Steps to Keep Them
    • How to Earn 13 Times the National Average Savings Rate FDIC Insured
    • 3 Easy Rules for Saving Without Budgeting
    • Budget According To Priorities Not Impulses
    • How Market Linked Certificates of Deposits Work
    • 15 Money Saving Tips That Will Beef Up Your Savings Account
    • Simple Steps to Getting a Savings Account
    • Savings Tips for Thriving in the Recession
    • 10 Simple Ways to Save Money Now
    • Real Money Saving Tips- From Real People
    • Just What Is a Savings Account?
    • What is a Rainy Day Savings Account?
    • Money Market Account vs. Savings Account Comparison
    • How to Find and Reduce Hidden Expenses
    • Is Your Bank Doomed to Fail? 5 Ways You Can Protect Your Savings Account
    • Traditional IRAs

How To Maintain A High Credit Score

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When it comes to dealing with your credit, it is important that you know what to do. Having a high credit rating is essential to your overall financial health as it can determine a number of things from your ability to get a mortgage to even getting a job. For most people, debt is the reason why their credit rating is poor. Debt is an unfortunate necessity as you often need it for mortgages and car loans but you can avoid certain debts like credit cards and personal loans that can really hurt … [Read more...]

Filed Under: Credit Scores  Tagged: balance, credit card balance, credit card interest, credit card payment, Credit Cards, credit score, debt, high credit score, interest rate, monthly payment, spending money

Dealing With Your Personal Finance Holiday Hangover

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Ahhhh the New Year is up on us! 2012 here we come! Now that your Christmas/Hanukkah/Kwanzaa/Winter Solstice gifts are unwrapped, the fruit cake from Aunt June is put away to age for the rest of eternity, you finally have a moment of clarity! Holy crap! I have credit card bills on their way. I have to pay for all of these merry festivities now! Not to fret, we’re here to make some sense of it for you, and to give you some guidance so that you don’t go as crazy as “Cousin Eddie” standing in the … [Read more...]

Filed Under: Budgeting, Credit Cards, Credit Scores, Finance Humor, mortgages, Personal finance  Tagged: credit, credit bureaus, credit card balance, credit dispute, credit goals, credit score, FICO, refinance, utilization

Vital Things You Need To Know About Your FICO Score

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The Origins of FICOFirst of all, let’s briefly discuss the origins of FICO (Fair Isaac Corporation). Back in 1956 many were introduced to credit scoring by two pioneers in the field: engineer Bill Fair and mathematician Earl Isaac. Over the years, the pair convinced lenders that mathematical formulas could do a better job of predicting whether an applicant would default than even the most experienced loan officers. Thus, the birth of your FICO score.Understand that there are now many different … [Read more...]

Filed Under: Credit Cards, Credit Scores, mortgages  Tagged: applying for a loan, credit score, definition of FICO, FICO, FICO score, what is FICO, what is good credit, what makes a credit score

Credit Cards And Your Credit Score

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 Can Cancelling a Credit Card Affect My Credit Score?Cancelling a credit card will affect your credit score, especially if you have had that card for several years. 15% of your FICO credit score is based on how long you have had that line of credit. The older the better. Once you cancel that card, you will lose that long history you had with the card and your score will go down.How Do Credit Cards Affect My Credit Score?Credit cards affect your credit score with two factors:The balance on … [Read more...]

Filed Under: cashback credit cards, Credit Cards, Credit Scores, Discover Credit Cards, Personal finance, rewards credit cards, travel credit cards  Tagged: applying for a loan, credit card balance, Credit Cards, credit cards affect credit score, credit inquiries, credit score, FICO, FICO score

How to Improve your Credit Score For Free

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Everyday, companies target people who have poor credit histories with promises to clean up their credit reports so they can get a car loan, a home mortgage, insurance, or even a job – after paying a fee for the service. The truth is that no one can remove accurate negative information from your credit report. It's illegal. What You Need To Know When negative information in your report is accurate, only the passage of time can assure that it will be removed. A consumer reporting company can … [Read more...]

Filed Under: Credit Scores  Tagged: bad credit, bad credit score, credit laws, credit score, credit score guidelines, credit score laws, credit score scam, fix credit, fix credit score, fix credit score for free, free credit fix, free credit score fix, repair bad credit, repair bad credit for free

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APY

APY or the annual percentage yield is the real rate of return of an investment over a period of a year taking into account the effect of compounding interest.

Compound Interest

Compound interest occurs when the interest earned on an account is credited back to the account and then interest is earned on the new total balance.

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All banks and credit unions listed or reviewed on this site are either FDIC insured or for credit unions NCUA insured. Currently FDIC and NCUA insurance provide insurance up to $250,000 per depositor per institution.

National Average Savings Rate Calculation

The national average calculations were obtained from the Weekly National Rates published by the FDIC.gov website.

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