State budgets are being slashed left and right. One of the things states tend to cut are funds intended for state universities. The school then has no recourse but to increase tuition rates. Across the nation we are seeing tuition rates on the rise, thus it is never too early to start saving for your kids college education. This article will discuss the benefits of the 529 College Savings Plan and how it can make saving for college a bit easier.
| Credit Score | Interest Rate | Monthly Payment |
| 760 – 850 | 4.831% | $2,633 |
| 700 – 759 | 5.049% | $2,699 |
| 680 – 699 | 5.223% | $2,753 |
| 660 – 679 | 5.433% | $2,818 |
| 640 – 659 | 5.856% | $2,952 |
| 620 – 639 | 6.392% | $3,125 |
Having a good credit score is imperative if you’re planning to make a large purchase like a car or a house. If you’re young, you should care about your credit score. If you have no credit, getting a credit card is a good first start. Secondly, buying a used car on credit is another good step to take. Getting a car loan isn’t necessarily a bad thing. Paying off a car loan will help boost your credit score. The ultimate goal is to build up your credit so that you can qualify for a mortgage.
With the economy still in a state of unrest most of us cannot afford to make mistakes with our credit cards, yet many of us still do. According to the National Foundation for Credit Counseling’s 2011 Consumer Financial Literacy Survey, not only are 73% of adults in the U.S. concerned about their finances, but 65% haven’t reviewed their credit reports in the last 12 months and 40% revolve monthly credit card debt despite the fact that 68% pay for the majority of their purchases with cash or debit cards.
Some common credit card mistakes are borne from misleading myths, others from a lack of attentiveness, but the good news is that whatever is causing your misuse can most likely be corrected rather easily. So, with that being said, the following list will take a look at some of the most common issues people have with their credit cards – whether they know it or not – and how to correct them.
When you get a big tax refund, you shouldn’t get too excited. It’s not a bonus, it’s not free money. It’s your own money that you overpaid the government throughout the year.
If you’ve gotten a pretty large refund, you should adjust your federal tax withholding. The reason is simple, it’s your money and you should have it, not the IRS. When the IRS returns that money to you after filing your taxes, they don’t pay it back with interest. You could have kept the money in a savings account and earned at least 20 bucks in interest.
Most of us are looking for ways to cut our expenses and save money. At the same time, most of us have a daily commute. Whether we work in an office or a classroom, and regardless of whether it takes us 15 or 45 minutes to get there, chances are that a distance needs to be traveled every morning to get from our home to our place of employment.
Since it is a trip we make twice every day, the money we spend towards our commute adds up quickly, meaning that by reducing those costs there is a tremendous potential for savings. But we don’t want our commute to be overly long or inconvenient. How can we balance these two concerns? Below is a cost estimate of different forms of commuting, coupled with some considerations that you will probably need to take into account. For the purposes of this article, we are assuming a commute of 5-10 miles and a person who lives and works in a metropolitan area.
If you are taking a vacation you may be wondering how you will get around to each destination. You may consider renting a car or hiring a cab to travel, but which is more affordable?
People often choose to rent a car when they want to tour a destination or enjoy a night out at their own pace. For a single price, the car is theirs for a specified period, no matter how far they drive, so price is not a deciding factor. If you do not like to be rushed from place to place, or you decide you want to make a detour and stop at other destinations along the way, renting a car is the right way to go.
Nowadays you rarely hear about people wanting to pay off their home loans early. It seems that many families are struggling just to make their monthly mortgage payments.
Everyone wants a new car. Perhaps it’s because of the new car smell. Maybe it’s to show off. It could be because it’s easier. But it’s not the right choice. Buying a used car is better than buying a new car and I’m going to tell you why.
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