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Top 10 Money Management Books | Personal Finance Books



If you think it will never happen to you don't be too sure. Think of something as simple as an accident, it doesn't even have to be your fault, and you get hospitalized for a couple of months. Do you think while you're laid there in your hospital bed it's just possible that making the payment for your credit card bill might get forgotten? While you don't need to become an expert or have an in depth knowledge you certainly need at the very least a basic understanding. The stock market is in its simplest form just an auction but it is one with a sting in the tail for the unwary. To help you start understanding the stock market you need to think of what makes it work. For example you could choose gold or any other precious metal, real estate, Certificates of Deposit or even old automobiles. Your choice is limited only by your imagination and of course the depth of your pockets! Whichever way you decide to invest there are some "rules" which carry across regardless. Just like any other loan a credit card consolidation loan comes with different interest rates and it's your job to find the most competitive. After this is your money and if you won't fight for it you can hardly expect anyone else to do it for you! The best place to start is on the internet. You can quickly find and compare a huge number of banks and loan companies to sniff out the best rate for you. Of course if you are consolidating bills from credit cards you will probably find that the lower interest rate will make a huge saving in both the monthly repayment and the overall cost of the loan. Just don't make assumption though. Check it out carefully. It's your cash that we are talking about here and no one will take care of it better than you. With some banks, you can make more withdrawals than the number that they allow but you will have to pay an additional charge for that. (v) One more point that you have to check is the notice period before you can make a withdrawal, which is typical of most savings accounts. If this period stretches out to too long (in some banks it could be as much as three months), the account may not be suitable to your needs. 

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