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The Global Guide to Tipping

In the United States, tipping is part of our society. Often times when receiving a service, we feel obligated to tip an extra few dollars for a job well done. In a country built on competition and capitalism, it's no surprise that tipping has been embedded in our social contract since the 1800’s. However, the same cannot be said for other countries around the globe. There’s a stereotype in the restaurant industry that servers never want a table of foreigners because they’re unfamiliar with tipping norms. While that’s not entirely true, tipping customs are different depending on what country you’re in. The following is a guide for tipping to use as basic reference, keeping in mind that specific countries and cities may have slightly different expectations.

Are You Dealing with Maxed-out Credit Cards?

Credit cards are convenient for making purchases quick and simple, and holding one or more cards is a sign of individual credit worthiness and responsibility. With little more than a swipe, a person can access the full range of goods and services to meet his or her needs and desires. Credit cards are an excellent tool, especially if the balance is regularly paid off. Sometimes, for a number of reasons, users need to carry a balance from month to month. Over time, this can decrease available credit and lead to a card that is maxed out.

What is the Worst Thing That Could Happen to Your Credit in a Divorce?

If more married people knew how badly their finances could be devastated by divorce before they gave up on their marriages, they might think twice about going through with the big split. In a better case scenario, disentangling from one another financially alone could require many years. Risks to credit exist until this financial separation process is finally over. Prospective divorcees need to prepare themselves for the unexpected and unwanted shocks that most always happen in divorce court and afterward so that they are not caught with their proverbial pants down.

Four Things To Do When You Lose Your Wallet

It’s probably happened to you before; panic sets in as you start rifling through bags and drawers. While your hands go a mile a minute, so does your mind as you try to retrace your steps and remember exactly where you could have left it. That’s right, your wallet is gone.

Is a Perfect Credit Score Worth It?

Consumers across the nation have the terms “FICO” and “credit score” embedded into their brains. These terms refer to a scoring system that judges a person’s reliability with creditors. Creditors use this main scoring system as their gospel for making crucial credit decisions. While they may use other factors in their decision-making process, creditors weigh an applicant’s score the highest in their procedures. Consumers are under the impression that they must all set their heights to achieving a perfect credit score. Is a perfect credit score worth it? 
 

Barclaycard Arrival Plus™ World Elite MasterCard® Increases Bonus to 50,000 Points

UPDATE( Sept. 21, 2017): The increased bonus offer to 50,000 points is no longer available. However, this card still offers a 40,000 mile bonus offer and is one of the best rewards cards out there.

Barclaycard Arrival MasterCard Review: To Pay - Or Not To Pay - The Annual Fee

The myth regarding annual fees attached to credit cards is that they're ALL BAD. This is simply that - a myth - and frankly some annual fees are easily wiped out by the cash back and rewards benefits afforded by a particular card.

The NASCAR Visa Credit Card Review

Are you a NASCAR superfan? If not, you can stop reading this review right now. There are most likely better rewards credit cards out there to meet your personal financial needs.

FICO vs FAKO: Are You Getting the Right Credit Score?

Anyone who has ever applied for a loan, regardless of the type, has probably been told that the lending institution will have to “run their credit.” The latter is a phrase that refers to obtaining the applicant's credit score in order to determine whether or not the individual is a good credit risk. This is often referred to as the person's FICO–Fair Isaac Company–score. This score is what virtually all lenders use to determine how likely it is that a specific borrower will default on a loan or other financial obligation, as well as whether or not the person will make timely payments on loans or other lines of credit.

Ask Creditnet: Can I Rebuild Credit with Prepaid Debit Cards?

Dear Creditnet: I need to start rebuilding my credit so I can purchase a home, but I can't seem to get approved for a credit card. I've applied for 3 different cards this year and I've been denied every time. I feel like giving up. Should I just get a prepaid debit card since they don't do credit checks? There's no way I can get denied, right?

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