Finance

• What Now?

  Since the Fed lowered the interest rate what do I have to do to benefit? Do I need to contact each credit card company and just ask for a lower rate? I also lease a car. Would the same question apply?

• Is Liability Enough?

  I have liability insurance on my car. I know my coverage will take care of the other party. But does my liability pay for anything else after I have a wreck?

• Payback

  Americans currently have over $1 trillion in consumer debt. About half of that is owed to credit card companies. And about 5% of all accounts are 30 days or more past due with their payments. Find out how to get your credit card debt under control.

• Your “Money Quotient”

  Every so often it’s a good idea to do a little self-examination. So we thought that you might enjoy a simple money quiz. You won’t need a calculator. Not even a pencil or paper. Just a few minutes to find out your “money quotient”. You might be surprised at what you learn about yourself.

• Budgeting Your Family’s Groceries

  I’m looking for someone to tell me how to go about making a budget for our family’s groceries. I have no idea as to how to even start. Any suggestions?

• Canceling a Credit Card

  What exactly happens when you close an account? Is it a strike on your credit history to cancel a credit card? Is the only benefit of canceling a card the certainty of not using it?

• Savings or Debt Reduction First?

  When planning a budget should I use extra money to pay off credit card debt? Or should it go in a savings account?

• Correcting Your Credit Report

  Jody has come across a problem that we all face. Mistakes happen. In our modern world they seem to happen almost daily. And while we understand that everything can’t be error free, some things are more critical than others. Errors in your credit report can be very serious.