Put all high-interest credit card debt and payday loans into one loan with a fixed rate, a fixed monthly payment and a closed-end term. You’ll save money and make debt management a lot simpler. Be sure to stop using any credit cards you pay off so you don’t rack up another large bill.
Are you a swiper or a dipper? Chances are, you have at least one EMV chip-enabled card in your wallet.
EMV, which stands for Europay, Mastercard and Visa, and has been used for years throughout the world, was introduced in the U.S. about 18 months ago. The cards are also called smart cards, chip cards, smart-chip cards and chip-enabled smart cards.
Here’s what you need to know about the new generation of cards.
If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of a change overnight.
Q: My inbox is overflowing with unwanted e-mails. Everyone wants to sell me something, or worse, steal from me! How can I take my inbox back from these spammers?
A: Spam is big business. According to web security firm, Norton, 72% of e-mail messages are spam. That means for every three e-mails from people wanting to have a real conversation with you, there’s another seven that are from unwanted sources.