Valentines Day Gifts That Arent Evil. Speaking cynically, Valentines Day is a holiday that encourages compulsory, conspicuous consumption in the name of love. Speaking practically, even the holidays haters are likely to show affection with a floral arrangement or tennis bracelet at some point down the line. Unfortunately, many of Valentines Days standard romantic gifts are produced under unethical practices. GOOD
Infographic: The Surprising Facts About Valentine’s Day. J. Lo’s love may not cost a thing—but she’s probably not your Valentine. In our latest infographic, we break down the dollars behind Valentine’s Day romance: How much are people spending on flowers, candy, greeting cards and sparkly baubles? What should you buy for your Valentine this year? And what’s going on with Virginia Beach? LearnVest
Three Game Plans for a DIY Valentine’s Day. I love Valentine’s Day.
Have you ?
Where did you move to? Where did you move from? How did you decide?
Larger income? Better job for similar income? Lower housing costs? Something else?
Share your story in the comments below!
I dont think there will be as many as the 358 replies to my , but Im sure reading your case studies would be very interesting.
Reusing paper towels?! Hmmmm . Learning how to do more with less, and how to get by with less, is a great skill to learn. What happens most of the time with doing more with less, though, is that it takes precious time to do more with less. Mighty Bargain Hunter
I suck at negotiating. If I walked in to a Nordstrom and found a pair of shoes I liked, but decided the $100 asking price was too much, do you think they’d sell ‘em to me for $80? Not a chance. Most US retailers don’t negotiate price. If you aren’t willing to pay the sticker value, you best start looking elsewhere. In Korea, however, that couldn’t be farther from the truth. Punch Debt in the Face
New Driver’s Guide for Getting Car Insurance. Before you can hit the road, you need a car insurance policy that provides you with coverage and protection. U.S.
Reminder for 2012! The most well known part of the Fair and Accurate Credit Transactions Act (FACT Act) is that you can get a free copy of your credit report from all three major credit bureaus once every 12 months. However, there are also several other consumer databases that you should check as well which are also available absolutely free once every 12 months, and they can also have a significant financial impact. If you got one last year, you can now get another one and reset the 12 month clock.
ChexSystems Banking History ChexSystems is a consumer information database used by an estimated 80-90% of all banks to help determine the risk of opening new accounts. Think of it as the bank’s version of a credit bureau. If a person commits check fraud or overdraws their account, it will be listed here.
More than a dozen credit unions and partners nationwide are increasing their member benefits amidst rocky shifts in the banking industry. NorthCountry FCU is the latest to launch Credit Karma’s Free Credit Score for Members Services, exclusively offered to members through their online banking site powered by Intuit Financial Services.
With NorthCountry FCU as Credit Karma’s first Intuit-powered partner, Credit Karma is certified to work with Intuit Financial Services clients to provide the Free Credit Score Service within the financial institution’s branded environment. The Free Credit Score for Members Service gives consumers a monthly credit score and a suite of personalized credit management tools to better manage their credit.
Additionally, Intuit’s Digital Insights online banking system offers a single sign-on solution for the Free Credit Score for Members Service.
NavyFed Credit Union has a going on until Sunday, December 11th where if you do a balance transfer from an external financial institutions to your existing Navy Federal card, youll get a fixed 0% promo APR for 12 months with no balance transfer fee.
Membership for NavyFed is primarily restricted to military personnel including Army, Marine Corps, Navy and Air Force including retirees and family members but also include some civilian employees in Department of Defense. From the existing wording, it doesnt appear that this applies to new card applications.
December 11th is Balance Transfer Day. Its also your opportunity to save big! When you consolidate credit card balances from other financial institutions onto your existing Navy Federal card, the savings really add up. Get a 0% fixed promo APR* on balance transfers for 12 months.
If you frequently fly on Delta and you want a great frequent flier program, consider the Gold Delta SkyMiles(R) Credit Card from American Express. Note the “credit card” in the name. Unlike American Express charge cards, you don’t have to pay your balance in full with this credit card. However, it’s always a good idea to avoid paying interest on rewards credit cards. You want to keep the card cost to a minimum.
You earn 20,000 bonus when you make your first purchase and 5,000 if you add extra card members to your account. That 25,000 bonus is worth about $250 in airfare.
Fees and Interest
The Gold Delta SkyMiles American Express credit card has a $95 annual fee that’s waived in the first year. APR on purchases is a 14.5%.
Balance transfers have a 12-month introductory rate of 9.99% as long as the transfer is made within the first 30 days you open the card. After that, the transfer rate is 14.5%.