Credit Cards Articles
Mango Free Prepaid MasterCard – A Very Good Deal!
If you are looking for a very good prepaid debit card you should consider the Mango card. Mango is a free prepaid MasterCard with $0 activation fee. You can send money, check your balance or view transactions on your mobile or online. Loading the card is easy. You can load the card with your paycheck, transfer from a bank account or add cash at retailers nationwide.
The Mango free prepaid MasterCard features:
- $0 Activation Fee
- FREE Direct Deposit
- FREE unlimited purchase / signature transactions
- FREE account management online or with your mobile phone
- FREE to check your balance with your mobile phone
- No monthly fee when you load $500/month
- Send money with your mobile phone
- Load cash at tens of thousands of retailers nationwide
- No credit check, no bank account needed, no overdraft fees
For more information visit MangoMoney.com.
Personal Finance Tools Offered by Credit Card Companies
There are many financial tools on the Internet. However, many major credit card companies offer financial management tools even if you are not a customer. Some of the sites listed below are open to anyone:
- Chase Blueprint is a personal finance tool tied to select Chase cards that allows customers to determine how they want to apply payments across their statement balance.
- American Express Money Manager Tool is free to American Express cardholders. The newly-launched Money Manager Tool helps users stay on top of their finances by giving them a complete view of all their accounts, credit cards, and loans in detail and have a big picture view of your money management. Users can link all of their personal financial accounts in one place, and customize graphs and budgets so they can monitor their spending and budgeting the way you want to.
- Capital One MoneyWi$e is a partnership between Consumer Action, an advocacy group, and Capital One. This website offers helpful tools and articles specific to your money goals, whether that is educating your teen on credit or learning how to build wealth.
- Wells Fargo Smarter Credit is open to all anyone, and has learning tools, articles, tips, and information aimed at helping consumers establish/rebuild credit, reduce debt, get more credit, and manage and protect credit.
- Discover’s Spend Analyzer offers online tracking and spending of purchases for Discover customers. Users can categorizing spending, comparing spending patterns over time, and sorting transactions by detail so you can manage how you use your Discover Card. Analyzer only tracks spending of Discover card, and not all of financial accounts. One unique feature is the “Paydown Planner”, which helps create a plan for reducing your Discover card’s balance and get you out of debt.
CapitalOne Offering 0% APR on Transfers Until Sept. 2010
If you have excellent credit and carry a balance on your credit card, you may want to consider getting the Capital One Platinum Prestige Credit Card.
The card offers 0% APR on transfers until September 2010 and 0% APR on purchases until September 2010 with no annual fee. Transfers are processed in as little as 48 hours.
After September 2010, your variable rate will be about 8.75% plus prime and however, by then you maybe able to find another card with a similar offer.
As stated, this card is only for people with excellent credit which CapitalOne defines as people who had a credit card or loan for at least 5 years, a credit card with a limit greater than $10,000, never declared bankruptcy and never had more than 60 days late on a credit card, loan, or medical bill.
For more information visit CapitalOne.com.
Search and Compare Credit Card Offers
If you are in the market for a credit card, now you can search here on Money-Cake.com for credit cards based on credit card type, your credit rating and credit card brand.
Additionally, you can sort credit cards based on Intro APR, Intro APR Period, Regular APR, Annual Fee and Credit Type. You can also “Mark as favorite” to save credit card offer for review later.
Below are the various search options:
Lending Club Offering $25 to New Customers in September and a Change to win $2,500
Lending Club has announced that in the next few weeks one lucky winner will be their 25,000th registered investor. To celebrate this milestone, the 25,000th registered investor will receive $2,500 cash.
In addition, each new registered investor you invite during September will instantly receive $25 to invest in Lending Club notes. Lending Club notes offered by prospectus registered with the SEC.
To receive $25 to start investing and become eligible for the $2500 prize visit LendingClub.com and in the “Referred by” code enter: pbirm.
The winner will be announced on Lending Club blog after October 1st. For contest details visit the Terms & Conditions page. Good luck
As a side note, after researching Lending Club, I recently invested $10,000 and so far so good! When I opened the account, Lending Club was offering a $200 bonus, so I couldn’t resist. That’s an immediate 2% return, with an expected 10%+ (conservative) annual return for the next 3 years. Over the next several months I’ll be reporting on my progress.
For more information visit LendingClub.com.
Relevant Articles:
The Least and Most Expensive Autos to Insure
In today’s rough economy every dime counts. If you are in the market to buy a car you may want to consider a few other things besides the price tag, such as gas, maintenance and insurance.
According to Forbes.com below are the top 5 least and most expensive cars to insure.
Top 5 Least Expensive Cars to Insure
1. Hyundai Santa Fe, SUV, $832/year
2. Kia Sportage, SUV, $840/year
3. Hyundai Entourage, Minivan, $848/year
4. Kia Sedona, Minivan, $857/year
5. Kia Rio5, Passenger, $870/year
Top 5 Most Expensive Cars to Insure
1. Nissan GT-R,Sports car, $2,533/year
2. Dodge Viper, Sports car, $2,446/year
3. BMW M6, Sports car, $2,236/year
4. Ford Shelby GT500, Sports Car, $2,186/year
5. Mercedes-Benz G-Class, SUV, $2,088/year
For the full list visit Forbes.com.
Related Article: How To Save Money Buying Auto Insurance?
Retires Will Need a Fortune Saved for Healthcare Costs
According to a study published last week by the Employee Benefits Research Institute, people retiring today will need a ton load of money to cover healthcare expenses over the course of their retirement.
No one knows what will happen with President Obama’s plan to cut $131 billion in Medicare / Medicaid spending and reform the U.S. healthcare system. However, for now men retiring at 65 this year (2009) will need $68K to $173K in savings to cover health insurance premiums and out-of-pocket expenses if they want a 50% chance of having enough money and $134K to $378K if they want a 90% chance.
For women, who have a longer lifespan, who retire at 65 will need $98K to $242K in savings to cover health insurance premiums and out-of-pocket expenses if they want a 50% chance of having enough money and $164K to $450K if they want a 90% chance.
Additionally, according to the report retires may need more money because the costs doesn’t cover long-term care expenses.
Those are some really big numbers, considering in some countries citizens pay nothing! Let’s all hope that by the end of the year, the Obama administration will be successful in reforming the U.S. Healthcare system!
Source: MarketWatch.com
Related Article: It’s Time to Fix the American Healthcare Crisis
