Credit Cards Plus

If you are filing for bankruptcy under the chapter 7 or chapter 13 bankruptcy code and you are doing it all by yourself, you must avoid these TEN errors in order for your bankruptcy application process to go smoother .

1. Failure to Submit a Certificate of Service

Get sample Certificate of Service as a BONUS when you download our bankruptcy form package

2. Submitting Bad Or Illegible Hand Written Documents

This is a “Biggie” Typed documents are preferable for all filings with the Bankruptcy Court. All our bankruptcy forms are available in PDF fillable format so you can complete them electronically and then print them out (and then sign, if necessary) to submit them. If

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In the past year alone, banks have taken many actions to make up for lost profits, including eliminating free checking, raising fees, and pushing consumers to buy more financial products from them.

•     A big bank offers an average of 5 different checking accounts; some offer as many as 8;
•     At any given big bank, there are 5 to 20 different ways to waive monthly fees; such conditions vary widely in difficulty to achieve (e.g., direct depositing vs. maintai

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Dear To Her Credit, Where can one find local finance courses to improve personal finances? I need to learn how to boost my credit score, find out how much debt I have and figure out how to get out of debt.  — Liza

Dear Liza, I’m glad you asked! So many people want a quick fix to their finances, but few realize that the only path to a better financial life is to start learning about money — and to keep learning about money for the rest of our lives.

The best way to learn about managing money and debt, however, depends on your personal learning style. Ideally, we would all learn great financial skills from our parents, take personal finance and economics classes in school and be pretty money-savvy by the time we reach adulthood.

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Depending on what credit cards you currently have in your wallet, there’s a good chance at least one of them earns cash back, and another earns points on every purchase.  If you happen to own both of these kinds of credit cards, do you know which one to use most often?

Normally I would tell you the pros and cons of both cards but in this instance, there’s one clear winner.  Regardless of the rewards program of the point themed credit card, the best credit card a consumer can own is a cash back credit card.

When you think about why the clear winner is a cash back credit card, it’s quite simply.  Right now, go outside and walk to the nearest grocery store.  Pick out a pack of gum off of the checkout shelf and offer to pay the cashier with 150 points instead of $1.50.  “Excuse me cashier, but would you mind accepting 150 points on my Chase credit card … I don’t have any cash available.”  I’m pretty certain no matter how suave you think you are, you’re coming up empty.

The fatal flaw with points credit cards is that most rewards program offer the simple conversion of 100 points = $1 in cash to spend.  In the best case scenario, a credit card issuer will allow you to trade points for anything you want so ultimately, all you’re doing is taking one extra step to get your cash anyway.  Why not use your credit card to earn cash back, which can be spent on anything you want, anywhere you want, with no restrictions?

Whether you own a points credit card and convert your bounty to cash or just want to get the cash straight up, everything leads back to the green paperbacks.

• Best Cash Back Credit Cards
• Best Point Rewards Credit Cards

Workers who retire this year can expect their pensions to be £3,000 less than they would have been in 2008.

Big falls on the stock- market and record low annuity rates – which

determine the annual income savers can buy with their pension pots – have wreaked havoc with the retirement plans of millions.

A report from the Prudential said those retiring this year are banking on an average annual pension of £15,500 – £3,000 a year less than those who retired in 2008 and more than £1,000 a year less than last year.

Vince Smith-Hughes, Prudential’s retirement income expert, said: ‘The current economic climate has created the perfect storm for people in the run-up to retirement.

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