The 20 Worst Places to Live in North Dakota
North Dakota isn’t the kind of state that springs to mind when you think of high unemployment, rising poverty, and out-of-control crime. And nor should it. North Dakota is a state of unbridled beauty, of…
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What is a Qualified Retirement Plan?
Even if your golden years are still far ahead of you, saving for retirement is one of those things that you can never start too soon. As well as considering the asset allocation of your…
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How Often Should You Use Your Credit Card to Keep it Active?
Keeping a credit card in your wallet for emergencies is one thing, but if you never actually get around to using that card, you could be doing more damage than good. To keep your credit…
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What is a Retirement Savings Contribution Credit?
Sometimes, being in a lower income group pays off. Case in point, the Retirement Savings Contributions Credit, a federal income tax credit that’s specifically designed to encourage people on a low or modest-income to start…
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How Long Should You Wait to Apply for Another Credit Card?
When you’re looking for a credit card, it can be tempting to apply for several at once. You may find cards with rewards programs that fit your lifestyle and credit needs in different ways. Try…
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Should You Preload Credit Card Payments?
Many of us use our credit cards to make purchases on items that we either want or need before we consult with our monthly budgets. It’s easy to buy something on credit without considering the…
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What Happens if You Overpaid Your Credit Card?
Maybe you hit the wrong key as you were making your payment. Maybe you’ve been refunded on a returned purchase. Maybe you paid twice in error. Regardless of how it happened, you’ve overpaid your credit…
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What is Credit Card Reconcilation?
These days, we use credit cards for just about everything. Cash may still be king in some quarters, but plastic is by far the more convenient choice. For businesses, the benefits of credit cards are…
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Why Do I Have No Credit Even after I Paid off My Credit Card?
You scrimp and save to pay off your credit card bill. You breathe a sigh of relief when your outstanding balance hits zero. And then you check your credit score. And suddenly, things don’t seem…
