18 Amazing Facts You Didn't Know About Your Credit Card

If you’re like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found appreciation for their convenience.

Heck, nowadays I use credit cards to pay for almost everything. Naturally, I also make sure to pay off my balance in

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Quick Tips for Restablishing Your Credit

Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living accommodations.

There are many consequence of having bad credit, and it takes time to reestablish your credit worthiness with creditors. You’re going to have to prove that despite

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When Good Personal Finance Practices Go Too Far

If a little is good, then it follows that more must be better. Well, okay, maybe not all the time.

For example, this extreme couponing craze has really got my goat. (And up until recently I didn’t even know I had a goat.)

Don’t get me wrong. I use coupons whenever the opportunity presents itself. After all, it often makes good financial sense to clip coupons to save money on

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The High Cost of Being Poor (and How to Vanquish It)

by Gayle B. Tate

We have all seen difficult times, so that’s nothing new.

My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar operation in 1972. Within a year, the “big recession” of ’73 began.

Some of you might remember when you had to wait in line for hours to get gas for your car? Well, while

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100 Words On: Why Luck Is So Overrated

We tend to give “luck” far too much credit for people’s good fortune. Likewise, we often blame our own personal misfortunes on bad luck. While it’s true that luck is often due to pure chance, more often than not it’s the result of something we actually can control: our mindset. That’s why it’s no coincidence that the “luckiest” people tend to be optimists who are, by

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14 “Dubious” Personal Finance Moves It's OK to Do. (Really!)

Sometimes things in life aren’t always as you might reasonably expect them to be. Many things actually defy all sense of logic.

For example, several years ago, a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would most likely assume the kid wasn’t destined for much success in the music business. Of course, that assumption turned out to be totally incorrect, as he is now a

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100 Words On: Why Financial Freedom Requires Very Little Money

Don’t fall into the trap of thinking that one has to be “rich” to attain financial freedom. There are lots of people earning millions per year who aren’t financially free, just as it’s also true that there are folks earning less than $40,000 annually who are financially free. The latter case is more common than you might think because financial freedom doesn’t depend on money so much as it relies

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100 Words On: When Financial Perfection Is the Enemy of Good

When it comes to matters of personal finance, trying to find the optimal solution can be counterproductive simply because many decisions don’t require extensive research. One of the best examples of this is when comparison shopping for a certain product or service. Typically, a modest survey of three to five samples is all that’s necessary before enough information is available to make an enlightened decision.

The bottom line: Whether you’re choosing

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100 Words On: Why Personal Responsibility Is the Key to Success

Nothing is easier in life than to blame the other guy when we encounter problems. That’s because it takes real courage and integrity to look inward and take responsibility for all of the troubles that are a direct result of our own making. When we take ownership for every decision we make in life, we become powerful in the eyes of others. It also earns us trust and breeds opportunities.

The

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True Story: What Happens When You Can't Pay the Restaurant Bill

I didn’t eat out too often as a kid, but when I did, you can bet I almost always enjoyed it.

I remember Dad always used to joke that he didn’t have enough money to pay the restaurant bill. “Well, it looks like they’re going to make us go into the kitchen and wash dishes,” he’d say with a wry smile. Hey, that always made sense to me.

Fast forward to last

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