Holiday Shopping Dangers
Why Do Credit Card Companies Offer Incentives or Rewards to Use Their Cards?
With the holiday season upon us, card issuers are offering big sign-on bonuses and rewards that they say will save you money. Beware though you might end up paying more than expected if you don’t read the fine print. Here are some things to watch out for:
1. The sign-on bonus
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Why Choose Roth Ira
Converting Traditional Ira To A Roth 2010
Beginning in 2010 everyone had the option of converting traditional IRA accounts to Roths. So what’s the advantage to a Roth? With a Roth you pay taxes on the income before you deposit it, you can take it out in retirement tax-free. If your’re thinking about converting, just make sure you have enough money on hand to pay the taxes you’ll owe. If you’ll have to dip into the IRA balance to pay them, experts say don’t convert. Instead, consider opening a new Roth account; The rules for eligibility and contribution limits change every year. You can (and should) get the official rules from IRS Publication 590.
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Income Based Repayment of Student Loans
Income Based Repayment Marriage Penalty
Found this information as part of an article in Family Circle Magazine. Thought that any cheapskaters with student loans might be interested.
If you currently are paying off federal student loans, there is a fairly new program that could save you big bucks. The Income-Based Repayment (IBR) plan was enacted as part of the College Cost Reduction and Access Act of 2007 and became available on July 1, 2009. The IBR offers payment caps based on income and family size. It is a sliding scale but it is not based on how much you owe. Instead the scale is based on on how much you can pay.
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How to Win at Haggle
How to Haggle
To get the best price you often have to negotiate with the seller. Some people are born to haggle but others feel uncomfortable trying to get a lower price by haggling. If you are buying a car it is expected that you will negotiate the price but nowadays you may need to negotiate for other things such as home repair.
One of the reasons you may feel so reluctant to haggle is you have never done it before. So here is a step by step guide on how to haggle for services such as lawn mowing, plumbing and any other service.
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