No matter how fiscally responsible you are, or how much you have in savings, there will be times when life throws you a curve ball you’re not ready to catch. For instance, what would you do if your spouse suddenly became unable to work, or you were laid off? Many of us have set up […]
“How are we going to pay for that?” my wife asked me. I wasn’t sure how to answer the question. We were staring at an unexpected expense that was more than our budget had room to handle — and our emergency fund had recently been exhausted. We were almost done paying off $109,000 in credit […]
If you’re one of the more than 70 million Americans who work as hourly employees, chances are good that you may soon be offered a payroll debit card instead of a traditional paper check on payday. While these debit cards are much less expensive for employers, they can come at a cost for the employees […]
In the last decade, online savings accounts have become commonplace. Not only do they traditionally yield better interest rates on your savings (for instance, the difference between 0.5 and 3%) — they cost both banks and consumers less money to operate. Although some people have switched from traditional savings accounts to higher-yield online savings accounts […]
More and more people are doing their banking, shopping, and other financial business online because of one reason: it’s convenient. Unfortunately, with the convenience comes a decidedly higher risk of exposing your sensitive personal information to hackers, con artists, and scammers. Phishing, the practice of drawing out personal information through emails posing as official communication, […]
The world of banking has come a long way since the original days of brick-and-mortar establishments. It’s now possible to do your banking from the comfort of your home, potentially without ever stepping foot into a bank. Although it seems as if banking technology couldn’t evolve any farther than ATMs, online banking, and mobile banking […]
