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More shoppers using layaway plans

By: Peter Suhai Personal Finance Views: 2893 | Comments: 0 | Votes: 0

Peter Suhai

Some major retailers are expanding their layaway plans for the holiday season to lure shoppers on a budget. Layaway programs allow customers to stretch payments on merchandise over a set period of time, typically with a minimum purchase amount, a small initial payment and a nonrefundable, one-time fee. But make sure you're spending enough to make any extra costs or fees worthwhile. 16. More

Will tax breaks help businesses grow payroll?

By: Peter Suhai Tax Planning Views: 3474 | Comments: 0 | Votes: 0

Peter Suhai

Employers who hire people struggling to find work this year will reap tax benefits under a new federal law, but business groups say the law doesn’t go far enough. The Hiring Incentives to Restore Employment Act was enacted March 18. It gives a payroll tax holiday to employers who hire people unemployed for 60 days or more beginning Feb. 4, 2010 through the end of this year. More

Credit reports and FICO scores

By: Peter Suhai Banking Views: 3521 | Comments: 0 | Votes: 0

Peter Suhai

Knowing your FICO score can help you save money on a car or home loan. The first step is to know what is in your credit report. You can obtain this information free by going to http://www.AnnualCreditReport.com. You are entitled to a free credit report from each of the three national credit bureaus (Equifax, Experian and TransUnion) once every 12 months. More

Wealth Building Tips, Budgeting, Saving Money

By: Peter Suhai Personal Finance Views: 2172 | Comments: 1 | Votes: 0

Peter Suhai

Wealth Building Tips: Develop a budget and stick to it. Save money so you're prepared for unforeseen circumstances. You should have at least three to six months of living expenses stashed in your rainy day savings account. Pay off credit card balances monthly. More

Telephone Tax Refund

By: Peter Suhai Tax Planning Views: 1051 | Comments: 0 | Votes: 0

Peter Suhai

It is available to anyone who paid such taxes on landline, wireless, or Voice over Internet Protocol (VoIP) service.Why is the government refunding these taxes?Several recent federal court decisions have held that the tax does not apply to long-distance service as it is billed today. 28, 2003 and before Aug. 1, 2006. 28, 2003 and before Aug. It is also the easiest way to get a refund. More

Ways to Lower My Bills

By: Peter Suhai Personal Finance Views: 12024 | Comments: 1 | Votes: 1

Peter Suhai

In order to reduce expenses and save money, it is vital to know where your money is spent. That is why the best way to lower bills is to create a budget and stick to it. Creating a Budget: The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. More

Credit reports and FICO scores

By: Peter Suhai Banking Views: 3758 | Comments: 0 | Votes: 0

Peter Suhai

Knowing your FICO score can help you save money on a car or home loan. The first step is to know what is in your credit report. You can obtain this information free by going to http://www.AnnualCreditReport.com. You are entitled to a free credit report from each of the three national credit bureaus (Equifax, Experian and TransUnion) once every 12 months. More

Credit Card Loss Protection Offers: They're the Real Steal

By: Peter Suhai Banking Views: 2386 | Comments: 0 | Votes: 0

Peter Suhai

"I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had changed and that now, people are liable for all unauthorized charges on their account. Is that true?" Don't buy the pitch - and don't buy the "loss protection" insurance. and abroad. More

Before You File for Personal Bankruptcy:

By: Peter Suhai Credit Repair Views: 3219 | Comments: 0 | Votes: 0

Peter Suhai

Information About Credit Counseling and Debtor Education Produced in cooperation with the Department of Justice’s U.S. They also must complete a debtor education course to have their debts discharged.The Department of Justice’s U.S. Trustee Program approves organizations to provide the mandatory credit counseling and debtor education. By law, the U.S. Check the U.S. Check the U.S. More

Saving Energy = Saving Money

By: Peter Suhai Personal Finance Views: 2340 | Comments: 0 | Votes: 0

Peter Suhai

An easy way to save money is to conserve energy. Not only is it good for your wallet, it’s also good for the environment.Look for the ENERGY STAR logo.ENERGY STAR is a government-backed symbol for energy efficiency. It is a joint program of the U.S. Environmental Protection Agency and the U.S. ENERGY STAR qualified appliances use 10–50% less energy and water than standard models. More