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How to Organize Your Finances for the New Year

A new year is imminent, and well-planned individuals are now considering their new year’s resolutions for 2015. All over the country, consumers will quickly be signing up for gym memberships, purchasing self-help books and swearing off their wicked behaviors.
 

What’s New in the Credit Card Industry?

Before the 2008 financial collapse, credit card issuers were extremely lax about the approval criteria for card applicants. They offered long introductory periods with zero-percent APR, tons of cash-back bonuses and easy balance transfer options, and they approved people with low credit scores who probably shouldn't have had unsecured credit cards. After the collapse, credit card companies cut back on their extravagant offers and started getting a lot pickier about the applicants they approved. 
 

How Much Should You Save for Retirement?

Anyone that has begun to consider their options for retirement has no doubt asked themselves when they can retire and how much they will need to save up. These are two tricky questions for a variety of reasons, including the fact that the future is always unpredictable. Any number of twists can take place ranging from a dramatic shift in the economy to a serious illness, but this does not mean planning is not essential.

How Will You Manage Your Money in the Future?

It doesn't take a financial analyst to see that the checkbook is virtually useless anymore. In fact, card readers are also on their way out. Consumers are not to worry if they're still afraid of using ATM machines or being charged outrageous fees associated with transferring money. It's forecasted that by 2020, these problems will be a thing of the past and the way people use and handle money will be vastly different. Some of the forecasted changes are already under way.
 

Do You Have an Emergency Fund?

The emergency fund is a crucial part of anyone’s financial portfolio. It exists to cushion you from a heavy financial blow from something like a hospital bill. Because of this weight, many of us want to take a large sum and invest it into something that will produce more returns than a regular savings account. However, doing so could greatly endanger your emergency savings. After all, the greater the yield, the higher the risk involved.
 

How to Get the Best Bargains on Black Friday

Today's Black Friday shopper is a money-saving expert who knows exactly where to go and how to get the best deals. Competing against these savvy shoppers often requires the good fortune of finding that elusive gadget on a store shelf, as well as knowing whether that device is a great gift or a bad buy. Consider these shopping tips for the best Black Friday holiday shopping experience.

How to Save Money this Winter

As winter begins its inevitable descent onto the country, many homeowners brace themselves for the annual spike in utility costs. Some homeowners, however, don’t take the cold weather onslaught lying down beneath a pile of comforters. Rather than shiver through the cold or accept higher bills, they take action to save money. They use some tried and true winterization techniques on their homes to keep the cold out and the utility costs down.

What Are the Best Things to Buy this November?

Each month has its holidays and shopping opportunities. An important aspect of November is the number of important consumer goods offered at the lowest possible price points. This happens throughout the month, but especially around Black Friday. It's important to carefully budget holiday spending to take advantage of all the deals offered in November. This is a time when some of the best online coupons of the year will be made available. Here are some of the top things you can get this November.

Can You Opt Out of Pre-Screened Credit Card Offers?

Many people receive pre-screened or pre-approved credit card offers on a weekly or even daily basis. Some consumers are fed up with their e-mail being clogged up with credit offers and their mailbox full of wasted paper. Others receive telemarketing offers at inopportune moments. This credit solicitation can become irritating and overwhelming; however, consumers have the legal right to opt out from most of these offers. Read on to find out how these pre-screened credit card offers work and how to opt out.

Is Apple Pay the Way of the Future?

On September 9, 2014, Apple introduced ApplePay during their special live showcase. ApplePay is a digital wallet app that enables users to make payments at retail stores using their iPhone. This isn't the first version of a digital wallet - Paypal and Google both have their own versions, which has made many question whether ApplePay can become a popular form of payment. Google Wallet and the Paypal app have been relatively unsuccessful in revolutionizing payments. However, many made similar claims when credit cards were first released; yet today, paying with cash has become outdated in many venues.

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