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. Fri, 20 Nov 2009 22:03:14 +0000 http://wordpress.org/?v=2.2 http://www.banks.com/blogs/finances/2009/11/14/before-applying-for-a-loan/#comment-838 Electronic Account Statements - Personal Finance Advice Thu, 19 Nov 2009 00:50:35 +0000 http://www.banks.com/blogs/finances/2009/11/14/before-applying-for-a-loan/#comment-838 [...] you made the switch to electronic statements for your bank and credit accounts yet? If you haven’t yet made the switch from paper statements mailed to you then [...] […] you made the switch to electronic statements for your bank and credit accounts yet? If you haven’t yet made the switch from paper statements mailed to you then […]

]]> http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/#comment-837 Are You Generous to a Fault? - Personal Finance Advice Wed, 18 Nov 2009 01:24:54 +0000 http://www.banks.com/blogs/finances/2009/11/04/how-to-say-no/#comment-837 [...] to have a night out on the town, but lacks the money to do so, this should not prompt you to propose a night out financed by your credit [...] […] to have a night out on the town, but lacks the money to do so, this should not prompt you to propose a night out financed by your credit […]

]]> http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/#comment-836 Affiliate Discounts - Personal Finance Advice Tue, 17 Nov 2009 03:45:04 +0000 http://www.banks.com/blogs/finances/2009/11/03/negotiate-a-better-price/#comment-836 [...] you already have insurance, contact your insurer and ask about any discounts offered for affiliate group membership. You may discover that you qualify for a nice discount [...] […] you already have insurance, contact your insurer and ask about any discounts offered for affiliate group membership. You may discover that you qualify for a nice discount […]

]]> http://www.banks.com/blogs/finances/2009/11/13/know-what-youre-worth/#comment-835 Before Applying for a Loan - Personal Finance Advice Sun, 15 Nov 2009 02:41:29 +0000 http://www.banks.com/blogs/finances/2009/11/13/know-what-youre-worth/#comment-835 [...] savings account. Even if you have a great credit score, most lenders for large loans want to see some money sitting in your account. If you don’t have any cash sitting in your checking or savings [...] […] savings account. Even if you have a great credit score, most lenders for large loans want to see some money sitting in your account. If you don’t have any cash sitting in your checking or savings […]

]]> http://www.banks.com/blogs/finances/2009/10/29/know-your-spouses-finances/#comment-834 Know What You're Worth - Personal Finance Advice Fri, 13 Nov 2009 20:32:14 +0000 http://www.banks.com/blogs/finances/2009/10/29/know-your-spouses-finances/#comment-834 [...] example, suppose a stay-at-home mom decides to start up a dog walking business. She wants to have her own business so she can continue [...] […] example, suppose a stay-at-home mom decides to start up a dog walking business. She wants to have her own business so she can continue […]

]]> http://www.banks.com/blogs/finances/2009/10/30/cant-afford-insurance/#comment-833 Know When to Ask for Help - Personal Finance Advice Wed, 11 Nov 2009 20:15:39 +0000 http://www.banks.com/blogs/finances/2009/10/30/cant-afford-insurance/#comment-833 [...] Care: Most states have programs that are designed to help people who cannot afford to pay for health insurance or health care, especially for young children. There are other government-run programs that may be [...] […] Care: Most states have programs that are designed to help people who cannot afford to pay for health insurance or health care, especially for young children. There are other government-run programs that may be […]

]]> http://www.banks.com/blogs/finances/2009/10/30/cant-afford-insurance/#comment-832 College Credit - Personal Finance Advice Mon, 09 Nov 2009 02:45:19 +0000 http://www.banks.com/blogs/finances/2009/10/30/cant-afford-insurance/#comment-832 [...] backs. Then again, many college students simply have to rely on a credit card once in a while when money is tight, as it often is while enrolled in school. If these students cannot get access to a credit card, and [...] […] backs. Then again, many college students simply have to rely on a credit card once in a while when money is tight, as it often is while enrolled in school. If these students cannot get access to a credit card, and […]

]]> 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 […]

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