With more fees associated in moving a balance from one card to another, are these fees worth paying even to 0% balance transfer card?Most balance transfer offers charge a balance transfer fee ranging from 3-5% of the total balance transferred. But look for cards offering 0% for a minimum of 12 months and a balance transfer fee of 3%. This is the only way it will be affordable to you and a better option. Also, Moving $5,000 from a high interest credit card of +15% to a 0% APR transfer card with a 3% balance transfer fee will cost $150, you could save between $400-500 in interest charges on the balance, even with a transfer fee. But if you are going to pay the high interest card off in only a few months, don’t bother transferring. If you do decide to transfer, be sure to pay as much as you can on time every month.
Form 1040
The Form 1040 is the main document you fill out for your taxes and it comes with 12 optional “Schedules.” Each Schedule goes into greater detail into an aspect of income taxes, such as Schedule A: Itemized Deductions. You won’t necessarily need every single one of those Schedules but here’s a recap of each one (some of these will change from year to year, for example Schedule M will expire along with the Making Work Pay Credit):
- Schedule A: Itemized Deductions
- Schedule B: Interest and Ordinary Dividends
- Schedule C: Profit or Loss From Business (Sole Proprietorship)
- Schedule D: Capital Gains and Losses.
With the 2011 Oscars fast approaching, the glamorous lives of Hollywood celebrities are on the forefront of American consciousness. Why does this have anything to do with the credit card industry? Because celebrities have always been the go-to spokespersons for credit cards over the years.
Allow us to conduct our own form of the Academy Awards. Without further ado, here are the top 5 credit card ads featuring celebrities OF ALL TIME!
5. Pierce Brosnan- VISA
Not only does this commercial feature a dapper Pierce Brosnan in his James Bond days, but also a surprise appearance by Mad Men star Christina Hendricks before she made it big.
4. Ellen Degeneres- American Express
Rarely are commercials charming and hilarious at the same time, but Ellen Degeneres makes it look easy in this awesome ad.
3.
Tags: Card, Credit Card
Many things become shared when you tie the knot – a home, holidays, and the remote control. What many people may not think strongly enough about – shared finances – can often become the white elephant in the room if a couple isn’t careful. Sharing a credit card, and finances in general, can be a wonderful thing when you are married, but it can also lead to disagreements and tension in your home.
Usually good communication and responsible behavior can lead to a successful financial partnership. Not all shared credit card experiences will be the same from one couple to the next. As long as you and your spouse are on the same page with your expectations and goals for your joint credit card account, things should go well for you. Consider these tips on sharing a credit card with your spouse.
Stay in constant communication. Don’t just use your credit card frivolously.
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Travel has always been a priority for me. I love seeing new places, experiencing new cultures, and just getting away from the routines of my daily life. Even more important, my family and close friends are a pretty far-flung crowd. I have loved ones spread from Boston to Buenos Aires. We buy a lot of plane tickets in my family. We buy so many tickets that I should have become savvy about how we buy them much earlier than I did.
For years, I’ve mainly just flown with JetBlue. I use Farecast to see if there’s a better deal available elsewhere. If there’s not a significantly cheaper ticket on that site, I buy my ticket through JetBlue. They generally have low fares and a good frequent-flyer program. This is a pretty simplistic approach. Since I’d never researched it carefully, I didn’t know if I was really getting the best deals on my travel.
Now, my best friend is moving to San Francisco.
Tags: Travel, Travel Dollars
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