Is Free Student Checking Truly Free

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One of the merits of looking into banking is that you really start seeing the connections between the difference areas of your financial life. The need for a secure place to store your money is very important. You really need to make sure that you have a way to store your money and access it when the time is right. You don’t want to find that you really can’t make any headway into your finances. You really have a lot more power than you think!

So let’s talk about a subject that’s getting a lot of attention — free student checking accounts. Now if you’re a student that has a lot of bills, it can feel like a welcome relief to finally get somebody that isn’t trying to hit you with fee after fee. College in the United States can feel like an entire marching band of fees waiting to crush you before you’ve ever gotten a chance to enjoy college.

Many banks do offer student checking accounts. There are often low minimum deposit requirements and no monthly fees. However, what you might not realize is that there are a lot of conditions that need to be met.

First and foremost, you need to make sure that you’re looking at the fine print. You don’t want to just go off the shiny advertisements — those are designed to get you in the door. They’re hoping that as you get out of college and get a better paying job, you’re going to be interested in some other banking products. It’s not like the concept is new — it’s a core marketing principle that has proven profitable. By developing a nice relationship with you early on in your life, they’re hoping that you’ll remember that kindness and take care of the bank later when the time is right.

Many banks require that you enroll in paperless statements — this cuts down on their costs of handling your account. And you will need to also handle deposits and withdrawals online in many cases. Using the actual bank can be extra. You need to make sure that you can use all of the available money in your account. You might be charged a fee if you have to end up under the limit that they assign to accounts.

You also want to make sure that there’s going to be free ATMs to use. A free student checking account doesn’t really matter if you’re never going to be able to withdraw money from an ATM without being charged a fee. There should be member ATMs that will let you go about this. If you’ve never seen them around town, make sure that you actually ask — it’s the best way to save yourself some painful heartbreak later down the road.

You also need to decide whether or not you want to sign up for overdraft protection. Our thoughts on overdraft protection can be summed up quickly — we think it’s a bad idea. Sure, it lets you avoid the embarrassment of something not going through. However, you really need to make sure that you control your finances better. If you honestly cannot afford something, having a $39 fee charged on top of your purchase that you can’t afford isn’t a good idea at all.

Keep in mind that there are alternatives to student checking accounts, like online banks and even credit unions. Your local credit union really wants to earn your business too, and they do it through offering things that the big banks won’t offer with a small local flourish that you’ll definitely grow to appreciate.

Is it the right time to start thinking about your money in a different way? Absolutely! Even though you might only be a college student now, the decisions that you make today definitely impact your future in a big way. Good luck out there!

Switching Banks

Beware the Overlooked Pitfalls of Switching Banks

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If you’re thinking about your banking situation, don’t worry — you really are in good company. A lot of people are thinking about getting on to another bank. They’re sick of their banks’ fees. They’re tired of not feeling like a valued customer. We aren’t here to tell you how to feel or even what to do — this is just general advice designed to make you think about your finances in a completely different way.

So, where do you really begin when it comes to your bank? You really need to think about whether or not the green truly will be greener on the other side. It’s tempting to think that everything will be better when you switch banks, but it might be time to start thinking about the reality of switching banks.

First and foremost, you could be triggering extra fees when you close your account. Many banks do charge an account closing fee to actually close your account voluntarily. So you need to think about that when it comes time to get a new bank.

Your new bank could also switch their fee schedule at any time. If you are constantly switching your bank account around and around, you will not be able to really be able to have your money grow or even stay accessible to you for very long.

Some people also find that it’s hard to figure out the policies from bank to bank. So you might get with a bank that lets you have your check earlier than a bank that makes you wait a whole week before they will release the funds into your account. Is this really worth putting up with in order to have less fees? So you really need to make sure that you are going to be getting exactly what you’re trying to get from the start. It’s easy to think that you really don’t have to worry about convenience, but that’s what owning a bank account is all about.

You have to think about all of your options equally. It’s one thing to be hell bent on switching to another bank, and it’s another thing to really absorb the weight and consequences of all of your decisions.

So now is the time to think about banking in a different way. We’re not saying that you shouldn’t switch banks, but you could be in for a lot more than you think unless you research ahead of time!

Students, Get a Secured Credit Card First

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The New Year is almost here, but by the time you read this it might already be in full swing. That means that you really do need to hit the ground running. Time is the one thing that truly waits for no one.

If you’re worried about your credit, this is definitely a valid concern. There are very few things in life that aren’t affected by credit. If you want a car later or even the chance to own your own home, you will need to make sure that you are thinking about credit today. That means that you will want to make sure that you are building credit, not just paying things off and never dipping into the credit pool again. You really don’t build a good credit score this way at all, so it’s really important that you look into a tool that can really give you the better credit that you always wanted.


Secured credit cards are a great tool for people trying to start out their credit life right. They will require a small deposit, but from there you have the ability to use your credit card like normal. A lot of people assume that the money you deposit is going to be what you use in your day to day purchases. That’s not true at all. You will not even get your deposit money back until a set time determined by the issuer. For most credit card issuers this will be twelve months of on-time payments.

The best way to make sure that you are using secured credit cards to your advantage is to pay them off early. As long as you get your payment in before the due date, you’re good to go.

Make sure that you’re not maxing out the credit card in any way. This will only hurt your credit score, because it tells lenders that you’re not willing to be smart with your credit.

The more you can show lenders that you can handle credit, the more likely it is that you will get credit offers in the future.

Healing damaged credit with secured credit cards also makes sense. You just need to make sure that you get started today. Check out a few credit card offers that are secured while you’re looking around online — you won’t regret it at all!

Banking

Banking Is Still a Wise Option – Do Not Let The Skeptics Fool You!

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Whenever the markets have long term issues, people begin making a lot of skeptical claims that can be laughable — unless you’re right in the middle of chaos, of course. You don’t have to feel like you have to fall victim to the bad economy in the slightest. It’s just a matter of making sure that you know what’s going to be useful to you, what isn’t going to be useful to you, and what you need to do in order to stay on top of you game — no matter what the market brings. Yes, we know it’s hard to look at the market and feel confident — especially when there’s potential for a lot of financial losses, but hear us out — it definitely gets better!

You see, one of the biggest trends going on worldwide is the questioning of the banking system at large. We are definitely fans of questioning where your money goes and what your money is going to be used for. However, to suggest that we should all pull our money out of the banks and then just do whatever with it from there is not a wise idea. The truth is that banks provide a lot of benefits for people across the board, and it doesn’t matter what country you hail from. Banking is not something that we always agree with, but the system as a whole is something that we definitely need to think around for a while.

Simply put, banks are all about security and trust. You can trust a bank to guard your money better than you can. Look at your house and your basic levels of security, and then think about the last bank that you’ve been to. Banks make it their business to put security as a priority. And while bank robberies do happen, they are much rarer than we realize — that’s why when one happens, it makes such a splash in the press.

Building a good relationship with a bank can help you get loans that you need to change different aspects of your life. Sure, you can get a mortgage loan from other sources, but a bank will usually give you a good rate. If you have challenged credit and you need a loan, building a relationship with a bank also works in your favor too. It’s never a bad idea to really make sure that you’re going to be able to really get things done with a bank from the start. Let them know that you want to rebuild your credit. If you can offer something as collateral that has value, you’re going to be able to get a small loan. Paying off that loan means that you can qualify for another one. A year of doing this can really give you a lot more buying power than you imagined. Sure, rebuilding your credit can take time — but banks really do love to help people.

If you think about it from their perspective, it makes sense. If they are seen as willing to help just about everyone, then more people are going to bring their money to the bank at large. This is something that helps the bank — more money means more opportunities to grow that money. That’s more opportunities to loan out even more money, and more chances to expand the bank’s services further.

By backing out of the banking system, your money won’t grow and it definitely won’t be as secure. There’s no time like the present to really look around at your local banks and start asking questions.

Indeed, we’re not saying that you have to just accept anything and everything a bank puts out there. We still think that you can do your homework without falling prey to conspiracy theories. We still think that there are definitely merits to having a bank account from a bank you can trust. But it is up to you to push back the doubt and the rumors and see what you can actually use and what you need to avoid.

Everyone is going to have a different financial blueprint for their lives. But if you truly value security and safety, a bank is really still going to be your best bet for a bright future — why not get started today?

pay_bills

A New Way to Direct Money in Your Budget

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When it comes to your budget, there’s nothing duller than bills. Bills might be a part of life, but that doesn’t mean that everyone really wants to pay them. It’s just a matter of stepping back and looking at your budget in a different way.

For example, most people think about the day that some of their bills will finally be paid. This means that they’ll have a lot of free money left over that used to go to those bills. For example, if you have a car payment then you look fondly on the day that your car payments will cease, giving you your car free and clear. However, the problem with this theory is that you will still need to make sure that the money goes towards something that is actually going to help you get other things done. Generally speaking, once we’re finished with a bill, we just regard the money as “free” — and then spend it on things that we don’t need. We don’t think about satisfying any of our financial goals, because that’s not as fun as buying a new computer or a new set of clothes or even going on vacation.

But you have to think about things that might be dull in order to get from one place to another. It might not sound as sexy to put your money away in another account, but it’s smart to do so. You won’t have to think about trying to figure out where the money is going to come from.

The only warning that we would put here is that you definitely don’t want to just throw the money into a CD or even just a savings account. The return on your investment isn’t high. If your goals are long term enough, then it’s better to throw your money into an investment account where it has a chance to really grow. That’s the reason why people build retirement accounts so quickly.

Speaking of your retirement, that’s one place where it would be wise to put some of that “free” money. You don’t have to put all of it there — but it’s really a good place to start.

As an alternative to savings you should also consider repayment of credit arrangements. With interest rates on savings accounts currently low, thought should go to settling any equity release plans or other debts where payment is due.

At first glance, you might not think about it, but doing things in this manner can really help you think about money in a completely different way. You aren’t going to have to sweat or worry about how to get things paid. By diverting money that used to be for the bills onto things that are meant to enrich your financial life, you will reach your goals sooner.

There’s a psychological element that can’t be ignored here as well. You see, when you actually take the time to put the money that used to be for the bills onto financial goals, you aren’t really losing anything. After all, you’ve already been paying this money out each and every month. So it’s not like you can’t live on other sources of money, right?

If you really think about it, there are a lot of bills in your life that definitely have an “end date”. If you direct the money positively, then you will not have to worry about what to do when it’s actually a rainy day!

gold credit card

To Go Premium Or Not – The Allure of Gold Cards

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There was a time in credit land where a gold card really did mean something. To be offered a gold credit card meant that you had made it, you were a real professional making real money, and the credit card companies finally smiled upon you. Never mind the fact that once you do achieve good credit, you’re put on enough lists to keep even the most analytical number cruncher busy. Yet times have changed since people first started talking about the world of gold credit cards. As we weather the global recession, credit card companies have to think differently about not only gold credit cards, but who actually carries them.

The reason for keeping gold credit cards exclusive is obvious — bigger spenders who not only spend money, but they know that they have to pay it back. They pay on time and they generally don’t carry balances. They know how precious their credit scores really are, so they don’t want to end up getting things messed up. That’s why in the past the credit card companies wanted to make absolutely sure that gold and platinum cards were mainly for the 760+ credit score holders. Yet now we’re seeing gold credit cards being offered to people in the mid to high 600s. Is this a sign of a new trend?

Yes, but what choice did the credit card companies honestly have? The recession has made companies really work on try to actually get the runaway profits that shareholders have come to expect. If they don’t find creative ways to raise the bottom line, they’re going to have a lot of unhappy shareholders.

The perks of having a gold card are definitely nice — sign-on bonuses and premium customer service — but is it a good idea? The danger of carrying too many credit cards is that you’re obviously going to be tempted to use them. Having a credit card on your side means that you’re going to be able to get things that you don’t have money for. If things go sour with your finances, you’re still on the hook for the money owed to the gold card.

Don’t think that these gold cards actually come cheap, either — you will need to pay an annual fee eventually, using around $75 – $150. Hold onto a card like that for even a year or two, and you’re already paying for all of those nice bonuses that you got just for signing on the dotted line.

By the way, many of these cards also include provisions for universal default. That means that if you are late on any credit card and it shows up on your credit report, you can expect your interest rate to go up. If you’re late on the gold card, you’re going to face another problem — late fees and interest rate changes.

What about those nice gold cards that don’t have any defined spending limit? Not as nice as you think they are. It’s very easy to lure people into believing that they have a limitless card — but in the fine print there is usually another provision that states they have the right to change your limit at any time. This means that if you start spending good money, and then turn around and get a big ticket item — your transaction might not go through.

Sure, there might not be a hard limit per se, but there’s definitely some sort of limit in place. Calling the credit card company and getting actual confirmation is the way to go. If you don’t figure out what your limit is and you go over, the credit card company can ask for the entire amount of the charges immediately — and then punish you further if you don’t pay up quickly.

Yes, we’re willing to admit that we’re taking the hard line here when it comes to your finances and the addition of a gold card. Yet there does come to a point where you have to look at the bigger picture and then make your decisions from that perspective. So don’t worry too much — look at all of your options, and do what makes sense for you!

Lifelock

Do You Really Need Lifelock?

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The holiday season is here, and that means that a lot of people are going to be out spending money. Instead of thinking that you are completely safe, you should actually be on the alert. That’s because the holidays are the perfect time to fall prey to criminals that would love nothing more to run up debt in your name and make sure that you have to pay for it. Fraud is something that costs everyone. It costs retailers, who have to raise their prices because fraud forces them to reverse sales and thus kill their own profits. Fraud costs customers across the board as they fight to restore their good name.

Given these facts, it’s really no surprise that everyone is thinking about protection services like Lifelock. However, you might be watching your money this year. That means that you might be questioning every service that you run across to see whether or not it’s going to be a service that you can actually use. You don’t want to throw good money after bad products, and we definitely don’t blame you for wanting to really make sure that it’s going to be something that makes sense from start to finish.

The short answer here is that Lifelock can be worth it if you simply want to avoid having to do the “heavy lifting” yourself, but you’re going to be paying 10 to 15$ a month for the privilege of someone else doing something for you. As always, if you would rather have peace of mind you should definitely pursue Lifelock.

What Lifelock’s services do is put out a fraud alert on your credit report — three times. That’s because there are three credit bureaus and they all keep different information on your credit. So you’re going to need to do everything related to your credit report three time sin order to cover the three major credit bureaus. In addition to putting out the fraud alerts, they also renew them every 90 days so that they do not expire. In addition, the company helps you cancel lost credit cards, licenses, and other items that come up missing from your wallet. The Direct Marketing Association will remove your name from their pre-approved credit card offers, and provide you with a free copy of your credit report each year. These things aren’t unique to Lifelock in any way, and are simply conveniences from the service.

The trouble with Lifelock is that it’s something that you can do yourself. What’s worse than that is that they are missing a critical step in the process of theft prevention — the security freeze. This is where no one can actually alter your credit report in any way — including opening new lines of credit. It’s something that many identity theft victims should think about, but they often do not. Lifelock does not provide this service, but they really don’t come forward and say how important a security freeze is. Yes, it’s a bit of a hassle to unthaw your credit report when you want new credit but let’s face facts — in this uncertain economy, new credit is really not the best thing that you need to think about. You are a lot better off making sure that you focus on keeping identity theft thieves from taking everything you have invested in your good credit.

If you want to take matters into your own hands, you will need to be proactive. Yes, it can be hard to find time to do all of these important steps, but guess what — they are very important, and you really need to do them. You need to make absolutely sure that you are protecting your financial future. After all, it’s really no one else’s job to take care of these things except yours. You want to make sure that you get a copy of your credit report and actually read it. The Fair Credit Reporting Act allows you to get three free credit reports per year. That’s one for each of the major credit bureaus. You can also enroll in a regular credit monitoring service that will give you not only your credit report, but your credit score as well. This way you can also rebuild your credit and see your scores go up.

In addition, you also want to cut down on the level of unnecessary communication you are receiving. Switching to paperless is definitely a smart idea. Your bank shouldn’t be sending you any convenience checks, nor should they be sending you your new debit card that way. Be sure that you actually change things up by having the bank simply hold your new debit card. You can pick it up directly from the bank. Yes, this is going to be a little more of a hassle, but it does keep credit thieves from getting their hands on your debit card. It’s harder to fight fraud on the debit card level, but still doable. It’s better to just sidestep the issue completely.

Junk mail with your information on it is just as bad. You will be doing yourself a favor by cutting it out.

Let’s not forget all of the forms that are honestly asking for your SSN. Your Social Security Number is special and nobody should be just using it for the sake of using it as a unique identifier. Have them create one. If they think that you are being unreasonable, that’s fine — ask them why they need it. Ask them what law they are using to require your Social Security number in the first place. From there, you should also make sure that you’re asking who will have access to your SSN and how your information is going to be protected. If any computer system is mentioned, there should also be citations of encryptions as well. You need to know who will have access to your information, and where that information is going to be stored.

Overall, now is the time to take back your finances. Should you really do it with Lifelock? You can, but you can also save the money and do it yourself — then put the difference into your emergency fund. It needs attention, you know!

1099-C

Don’t Let 1099-C Threats Stop You From Reclaiming Your Credit!

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During the holiday season, collection agencies are always thinking about ways to get you to do what they want — which is pay them, of course. If you’re trying to get out of paying the collection agencies what you owe, you’re going to find that they have a big bag of tricks designed to keep you from doing that. You have to make sure that you keep everything in perspective properly. It can be tempting to not really worry too much, but you are going to have to make some different decisions if you want to be able to take care of your financial life appropriately.

Dealing with the collection agencies can be tricky. If they are dropping your debts in a charge-off, you’re going to still be paying in the end. What we mean by this is that it’s quite possible to end up paying a lot of money to the company and still be on the hook for the amount that you didn’t settle for.

An example is in order — let’s say that you have a 10,000$ debt. You settle for about 4000, paid out over a 12 month payment plan. You might think that after all of your money is received that all will be well, right? Well, not quite — you see, the $6,000 dollars that you didn’t pay doesn’t just go up in smoke. The collection agency will often still file a 1099-C notice with the IRS, and that will be considered income.

Now if you don’t make much money as it is, chances are good that an extra $6,000 in income on your taxes isn’t going to make you a happy camper — especially when you don’t get to enjoy the money. However, the current tax laws indicate that it is income, so you will need to declare it. This is the fastest way to get audited if you’re not careful. You always want to report all of the debts that you are charged off, because the IRS will make sure that you do and you pay the taxes required. It’s always a matter of money, you know.

Yet we’re saying that the 1099-C isn’t anything to fear, really. Let’s flip it around here — say that they do go ahead and do this to you. It’s not the end of the world because guess what — your life sucks one tax year and then it’s over. You can always make a payment plan with the IRS if you really needed to, and that can keep things running smoothly for you in the future.

There are also exceptions to the 1099-C — like if you were considered insolvent at the time the taxes were filed. Insolvency means that you really didn’t have the money to pay the full amount. If your liabilities outweigh your assets, you can often make a good case for this. However, it’s easier sometimes to just skip the extra paperwork and pay what is owed than fight the IRS — you will almost always need representation to win a case, and this can get expensive in a hurry.

Now is the right time to take care of your finances and continue to raise your credit score over time. Why not start today? It’s going to be difficult at first, but when you see your financial life improving, you’ll totally be glad that you took the steps to change your life for the better! There’s nothing more satisfying than seeing your life rise higher and higher — so don’t delay, of course!

Tax Assessment

Save Money – Make Sure That Your Property Tax Assessment is Correct!

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If you feel like you’re being pinched from all sides, you’re in good company. A lot of homeowners are realizing that they might be paying a little too much in terms of property taxes. In light of the housing slowdown, many property holders haven’t received any relief — in other words, even though they can’t sell their homes, they’re still finding that they’re paying the same property taxes year after year. Is there any relief in sight? Well, there was relief all along, but most homeowners didn’t realize it.

You can dispute the amount that you’re paying and get your property taxes lowered. This is especially the case if old property cards were used where your house was worth more than what it is now. Cooling home prices are a strong reason to make sure that you’re paying for what you owe and nothing more than that. That’s a good way to save money.

Here’s how to do it.

You want to check the accuracy of the assessment by looking at property cards. In some counties, they might try to keep you from viewing that information. However, it’s a matter of public record. Anyone can look at these records — even people that are examining your home for purchase offers. So make sure that you know what’s on the property card.

The file should include the method and data used to determine the value of the home as well as the lot size, square footage, any known upgrades, and the number of bedrooms and bathrooms.

If there are any upgrades that you left out, make sure that you update the card to reflect this information. Yes, that might change your property taxes, but you need to make sure that you don’t leave these out. If they are discovered later, you might have to end up paying higher property taxes anyway. You also need to pay attention to the material selection for your home as well. You might come to a point where your home is listed as having aluminum siding and brick exteriors, but you have vinyl and stucco. The additions that you make to the house are the ones that count — if the additions happened before you got the house, then you need to also address this — those are beyond your control.

The math can differ when it comes to the assessment. Some assessors base it on the recent sales data from comparable homes, while others estimate the cost to rebuild the house from scratch. You just need to make sure that you know exactly how it’s calculated. It’s tempting to just assume that you don’t have to dig that deep into the math, but you really do. If you don’t know what’s going on, how can you go about fixing anything?

If you’re going to go the DIY route for this, you need to make sure that you look at all of the data that you’ve gathered. Take an honest look at it — can you really prove that your property was assessed at a higher level than the legal standard or at a higher value than the level of comparable homes? If you can, then you need to write your argument clearly and in a straightforward manner on the paper.

Remember that assessors are still people, and you need to treat them with respect. You do not want to insult an assessor or make them feel bad. You need to just focus on what you’re trying to accomplish, and that’s going to definitely be getting your property taxes lowered. An appeal made with honesty and without fire and brimstone attacks is an appeal that is going to go a lot farther than one that’s based on a lot of yelling and screaming — in print, of course. Stress that you don’t question the assessor’s sincerity — focus on the facts, and you should be in the clear.

Of course, all of the best appeals in the world will do nothing if you don’t mail them on time. You usually only get 60 days from the time your annual tax assessment was mailed. Use certified mail (return receipt requested, of course). This will give you an office date of delivery. This way if you get ignored you actually can prove that it’s not your error — it’s actually theirs for not responding to you properly.

You will need to wait for a response — it will either be handled completely through the mail, or you’ll be going to a hearing. This is where you make your case before a local board of officials. Again, it might sound scary but it’s really not that bad — just make sure that you get things covered in a timely fashion — get going!

Debt Elimination Strategy

The Importance of Payment Plans in a Debt Elimination Strategy

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A lot of guides tell you that when it comes to debt elimination, you really want to start thinking about making lump sum payments. However, what if you just don’t have the money? There’s nothing wrong with saying to yourself that you want to get out of debt slowly. A lot of people have gotten out of debt simply by agreeing to payments that are slow and measured rather than fast and potentially too big for your budget to handle. It’s easy to assume that you’re always going to be able to get out of the debt spiral that you’re in, but it’s another thing totally when it comes to actually doing it. Sometimes it can take a lot for debt to creep up on us, slowly growing larger and larger until we just can’t do anything about it. However, you just need to build a good plan to take care of everything, and that’s really where the payment plan comes in.

Instead of paying everything off in one fell swoop, you’re going to be able to actually get more done just by making a modest payment plan that you can stick with.

When it comes time to really put this plan into action, you always want to make absolutely sure that you’re really thinking about all of your options — including the decision to declare bankruptcy. We have to mention it even though we’re not always huge fans of bankruptcy. The reality here is that sometimes your debts really might be too big to really mess with. That’s not the time where you really get to just roll forward into a payment plan that you know will be too much for you to handle. If your debts are taking up that much room in your budget to the point where your essential living needs are threatened, you might want to think about going ahead and declaring bankruptcy. The money that you spend on a bankruptcy attorney and the filing that comes with it will be money well spent if it lets you get out of the trouble that you’re in with the bankruptcy portion.

The nice part about getting out of debt is that it really opens the door to new horizons. No longer will you be plagued by collection calls either — if you are making progress on a payment plan, it means that you’re not going to have to really worry or think about your debts. You’re going to be able to just keep paying that same amount month after month until your debts are paid. If you negotiate right, you can actually make it so that no additional interest is accrued through this process.

You never know what you can get until you actually ask for it. Yes, some people are going to want a guarantee, but this is something that you’ll need to get in writing. Never just stick to a payment plan that’s over the phone. Be sure that you really do take the time to write the appropriate letters to the appropriate department. If there is a reason why your payments haven’t been coming in lately, say so! The collection agency or even your original creditors just want to be paid. If you are going to be working with them instead of against them, they’re going to be a lot more likely to work with you. What usually happens is that people try to duck and dodge until the collection agency has no other choice but to make a lawsuit against you. You don’t want that at all.

The right choice is a payment plan that fits into your budget. If you need help with this, there are plenty of non-profit credit assistance agencies that can get you back on the right track — why not get started today?

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