http://www.banks.com/blogs/finances Read the latest in personal finance advice and news from our experts on the Banks.com's Personal Finance Blog. Sat, 07 Nov 2009 21:01:50 +0000 http://wordpress.org/?v=2.2 http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/#comment-831 How They Get You to Spend More - Personal Finance Advice Fri, 06 Nov 2009 03:44:44 +0000 http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/#comment-831 [...] For example, you attempt to check out to make your purchases at the register, and the clerk starts making suggestions. Do you know if you buy another shirt it will be 50% off? Did you see the new purses that just came in? The same thing happens when you’re ordering food at a restaurant. Do you want the larger side of french fries? Would you like to add a dessert to your order? Even ordering a coffee will yield the same thing. Do you want to add an extra shot of espresso into your latte? Would you like a pastry with your coffee?   The hope is that the clerk’s suggestion will seem like a good one and you will spend more money. [...] […] For example, you attempt to check out to make your purchases at the register, and the clerk starts making suggestions. Do you know if you buy another shirt it will be 50% off? Did you see the new purses that just came in? The same thing happens when you’re ordering food at a restaurant. Do you want the larger side of french fries? Would you like to add a dessert to your order? Even ordering a coffee will yield the same thing. Do you want to add an extra shot of espresso into your latte? Would you like a pastry with your coffee?   The hope is that the clerk’s suggestion will seem like a good one and you will spend more money. […]

]]> http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/#comment-830 How to Say No - Personal Finance Advice Thu, 05 Nov 2009 01:36:11 +0000 http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/#comment-830 [...] to the register to make your final purchase, you feel as though you have thoroughly enjoyed your shopping experience. This is when your salesperson springs the question on you: “Do you want to apply for a [...] […] to the register to make your final purchase, you feel as though you have thoroughly enjoyed your shopping experience. This is when your salesperson springs the question on you: “Do you want to apply for a […]

]]> http://www.banks.com/blogs/finances/2009/10/21/ill-just-look-i-wont-buy/#comment-829 Negotiate a Better Price - Personal Finance Advice Wed, 04 Nov 2009 03:44:55 +0000 http://www.banks.com/blogs/finances/2009/10/21/ill-just-look-i-wont-buy/#comment-829 [...] for a better price on an item you want to purchase is not a thing of the past. In fact, savvy shoppers who know how to successfully negotiate a better deal frequently spend a lot less money for the [...] […] for a better price on an item you want to purchase is not a thing of the past. In fact, savvy shoppers who know how to successfully negotiate a better deal frequently spend a lot less money for the […]

]]> http://www.banks.com/blogs/finances/2009/10/14/buying-for-the-wrong-reasons/#comment-828 Principal Payments - Personal Finance Advice Sat, 31 Oct 2009 23:27:51 +0000 http://www.banks.com/blogs/finances/2009/10/14/buying-for-the-wrong-reasons/#comment-828 [...] may have noticed a line on your payment coupons for your mortgage or car loan that says, “Principal Payment.” You may have wondered what exactly a [...] […] may have noticed a line on your payment coupons for your mortgage or car loan that says, “Principal Payment.” You may have wondered what exactly a […]

]]> http://www.banks.com/blogs/finances/2009/10/29/know-your-spouses-finances/#comment-827 Can't Afford Insurance? - Personal Finance Advice Fri, 30 Oct 2009 23:41:36 +0000 http://www.banks.com/blogs/finances/2009/10/29/know-your-spouses-finances/#comment-827 [...] Get help. There are assistance programs available for people who cannot afford health coverage. Some states offer impressive programs -mainly for children- that ensure people get preventative and routine care despite their inability to pay for the services. If you cannot afford health care, look into the federal, state, and local assistance programs that may be available to you and the rest of the people in your family. [...] […] Get help. There are assistance programs available for people who cannot afford health coverage. Some states offer impressive programs -mainly for children- that ensure people get preventative and routine care despite their inability to pay for the services. If you cannot afford health care, look into the federal, state, and local assistance programs that may be available to you and the rest of the people in your family. […]

]]> http://www.banks.com/blogs/finances/2009/10/26/5-money-mistakes/#comment-826 Know Your Spouse's Finances - Personal Finance Advice Fri, 30 Oct 2009 01:56:01 +0000 http://www.banks.com/blogs/finances/2009/10/26/5-money-mistakes/#comment-826 [...] reasons, such as when one person has flawless credit but the other person has a credit report riddled with delinquencies and other negative items. Applying for credit together in this instance would not make much sense [...] […] reasons, such as when one person has flawless credit but the other person has a credit report riddled with delinquencies and other negative items. Applying for credit together in this instance would not make much sense […]

]]> http://www.banks.com/blogs/finances/2009/10/26/5-money-mistakes/#comment-825 Protecting Your Heirs - Personal Finance Advice Wed, 28 Oct 2009 02:48:52 +0000 http://www.banks.com/blogs/finances/2009/10/26/5-money-mistakes/#comment-825 [...] If you have people who rely on you, then you should absolutely have life insurance. If you have assets, you should write a will that specifies who gets what upon your death. If you have children, you [...] […] If you have people who rely on you, then you should absolutely have life insurance. If you have assets, you should write a will that specifies who gets what upon your death. If you have children, you […]

]]> http://www.banks.com/blogs/finances/2009/10/19/credit-card-rewards/#comment-824 5 Money Mistakes - Personal Finance Advice Tue, 27 Oct 2009 01:57:08 +0000 http://www.banks.com/blogs/finances/2009/10/19/credit-card-rewards/#comment-824 [...] card for everything. It’s really easy to use a credit card for purchases, and if you have a rewards program attached to your spending you might think that using your card to pay for everything is a [...] […] card for everything. It’s really easy to use a credit card for purchases, and if you have a rewards program attached to your spending you might think that using your card to pay for everything is a […]

]]> http://www.banks.com/blogs/finances/2009/10/10/finding-an-at-home-job/#comment-823 Not Paying for Your Kids' College? - Personal Finance Advice Sun, 25 Oct 2009 01:31:18 +0000 http://www.banks.com/blogs/finances/2009/10/10/finding-an-at-home-job/#comment-823 [...] you figure that your kids already know you expect them to get a job and give community college a try for the first couple of years. You might think that it would be a [...] […] you figure that your kids already know you expect them to get a job and give community college a try for the first couple of years. You might think that it would be a […]

]]> http://www.banks.com/blogs/finances/2009/10/21/ill-just-look-i-wont-buy/#comment-822 “I’ll Just Look, I Won’t Buy.” people shopping Thu, 22 Oct 2009 04:53:20 +0000 http://www.banks.com/blogs/finances/2009/10/21/ill-just-look-i-wont-buy/#comment-822 [...] Read the original here:  “I’ll Just Look, I Won’t Buy.” [...] […] Read the original here:  “I’ll Just Look, I Won’t Buy.” […]

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