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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.

The Best Guide for Protecting Your Credit

Statistics state that at least 9 million consumers fall victim to identity theft each year. Approximately 10 percent of Americans have been victims of credit card theft alone. The staggering numbers indicate that consumers need to start taking immediate precautionary steps. The following are some steps that modern consumers can take to protect their credit.

How to File a Credit Report Dispute

Credit card fraud has become one of the most perpetrated crimes in the world. The effects can be devastating, keeping a person from being able to buy a home, finance a car, and even causing them to lose their job. With efforts in the works to combat this crime, it is very important for individuals to monitor their credit reports and credit scores in order to ensure that nothing fishy is going on.
 

Is Zero Liability Ever a Bad Thing?

Credit card use puts consumers at risk for identity theft and fraudulent charges. There are all types of unscrupulous individuals who make careers of stealing others' personal information and using it to make purchases from jewelry to automobiles. When an individual's account is breached, thieves can rack up thousands of dollars in charges, leaving the card holder broke and with bad credit. This is why some credit card issuers provide what is known as "zero liability." 

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