Foreign transaction fees add to the cost of international travel and online purchases with international vendors that process transactions outside the U.S. Here’s how you can avoid foreign transaction fees to save on international purchases.
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Bank scams run the gamut from the clearly fraudulent to the deceptively convincing, and even the best of us can be fooled. Protect your hard-earned cash by knowing what to look for.
E-checks allow you to pay your bills and get your paycheck a lot easier and faster. But it’s important to understand how they work and how they differ from other payment methods.
When you shop online, you run a risk of exposing your credit card number to hackers. You’re technically not liable for these charges, but it’s a hassle to get them reversed. By obscuring your actual credit card number, a virtual credit card number ensures you don’t have to.
Technology is changing the way we bank. No longer do you have to choose a traditional financial institution. You can opt for a banking alternative with lower fees and more benefits, such as online banks, neobanks, and even community banks.
Your Social Security number is worth protecting. But it seems like you’re asked for it everywhere you go. Find out how to keep it safe and reduce your chances of becoming an identity theft victim or falling prey to a financial scam.
One of the first decisions you have to make is whether you opt for a variable- or fixed-rate loan, which can impact your monthly payments and the total cost of the loan. Before deciding, learn more about how each one works, its pros and cons, and when one is better than the other.
You can live without a checking account, but it sure is a lot harder. In fact, a checking account is a gateway to banking and investing. It keeps your money safe, helps you make and receive secure payments, and allows you to plan for your financial future.
Trying to wire money or send an ACH transfer? Want to set up direct deposit with your employer? You need to know your bank’s routing number. Fortunately, it’s easy to find online, on a check, or on a paper or electronic statement from your bank.
Certificates of deposit (CDs) are a very low-risk way to invest your money through banks, credit unions, brokers, or lenders. Before you decide where to allocate your money, learn the basics of what certificates of deposit are and how they compare with other types of savings and investment vehicles.
Both fans and foes of credit cards have already made up their minds, and nothing is likely to change them. But for those who are on the fence, it’s worth taking a closer look at the arguments on both sides — against credit card use, and in favor of it — to see just how well they hold water.
A higher education degree won’t guarantee a job in a tight market. However, specific career fields take less of a hit during tough times and are sometimes even in high demand during economic downturns. Find out which degree paths offer the best chance of employment in a down economy.
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