Chronic disorganization, restlessness, forgotten details, and missed deadlines. These are just some of the negative effects that common symptoms of adult ADHD—or attention deficit hyperactivity disorder—often have on the lives of those who suffer from it. According to researchers at The Ohio State University and University of Florida, adults with ADHD may struggle financially as a result.
Financial well-being is when a person can meet current and ongoing financial obligations, feel secure in their financial future, and when they are able to make choices that allow them to enjoy life, according to the Consumer Financial Protection Bureau (CFPB). People who are in control of their finances have enough savings to deal with unexpected financial shocks, and are on track to meet their long-term financial goals.
If you’re expecting your financial situation to change for the better this year, you’re in good company. In a survey conducted in December, LendingTree, a leading online loan marketplace, found that 67 percent of Americans expect their finances to improve in 2018. RewardExpert recently spoke with Lending Tree’s Vice President of Research, Brian Karimzad, about the survey results.
Credit cards provide great convenience and plenty of solid loyalty point perks, especially when you first sign up for one. But, there are some pitfalls that are important to take note of when your wallet is full of cards. Consider each of these the next time you are looking through your wallet, and don’t make these big mistakes.
Let’s face it, paying bills is not a fun activity, as you part with your hard-earned money. Even with the convenience of online bill pay, it still seems like a tedious process and takes time – not to mention having to remember each bill, each online password, each due date, etc. But the days of stressful bill-paying are over.
A company called doxo has made this process simple by allowing users to pay each of their bills in one convenient place, the doxo platform. According to VP of Marketing and Consumer Services for doxo, Jim Kreyenhagen, “doxo is the first crowd-sourced, customer-centered bill pay solution built around the consumer, and it’s already changing the way people manage their bills.”
It’s that time of year where everyone is talking about the goals they plan to set for the new year. There’s a lot of talk about getting to the gym more and eating less junk food
While all this is well and good there is a three-digit number that may be getting sadly ignored. Not your weight. Your credit score. While you are going to want to keep that number on the scale low you are going to want to get that credit score to gain as much as possible.
If you’re looking to boost your financial returns and make more money, are interested in alternative investments and would like quick access to your newfound cash, consider peer-to-peer lending. One of the fastest growing companies in Europe’s peer-to-peer lending industry is Latvia-based TWINO.
Have you ever had to pay a fee to get your own money from an ATM? If so, you’re not alone. Nor are you in the minority if your bank has ever socked you with an unexpected overdraft fee. In fact, according to CNNMoney, in 2016, America’s three biggest banks alone raked in more than $6.4 billion dollars in these fees from their customers. Despite public outcry, there’s little anyone can do about it, either—except take their business to a more caring financial institution like Alliant Credit Union.
When it comes to your money, who wouldn’t want to save more, spend less and get the very best deal when it comes to banking, investing, retirement and financial services? MoneyRates is a personal finance wonderland, offering reviews, comparison tools, advice and more, with the goal of maximizing a user’s financial potential.
What have you taught your children about credit? Even if you think you have never given them a lesson, you probably have. The way you spend your money, talk about money and live your life in general are absorbed by your little ones. Has your child ever asked you for something and you had to tell them you could not currently afford it. They might even suggest using a credit card as they have likely seen them used to buy things. Your child may be under the impression that a credit card is like free money if you haven’t explained how they work.
With the holidays upon us, it’s time to not only think about food, fun and festivities, but finances, as well. And thanks to credit unions like GTE Financial, consumers have access to top-notch savings products, credit cards, financial information and more. The Tampa, Florida-based company has been putting personal prosperity over corporate profits since 1935.
You’ve probably heard about charge cards and
Let’s explore the differences and similarities between charge cards and credit cards.
The goal of investing is to make money. But what if you could invest, make money and help improve the global community at the same time? That’s where sustainable investing and The Forum for Sustainable and Responsible Investment (US SIF), a Washington, DC-based organization tasked with advancing sustainable, responsible and impact investing across all asset classes.
The organization’s mission is to rapidly shift investment practices toward sustainability, focusing on long-term investment and the generation of positive social and environmental impacts. Members include a wide range of organizations, including investment management and advisory firms, mutual fund companies, broker-dealers, non-profits and pension funds.
It’s no secret that holiday shopping can do some damage to your bottom line. Unless you create a gift-giving budget based on what you can reasonably afford—and commit to sticking to it—it’s all too easy to run up your credit card balances and end the year in unexpected debt. However, there’s a sneakier financial danger you may not have considered. It’s known as identity theft, and unless you take steps to protect yourself, you may be putting your financial future at risk with every online purchase.
With credit cards, consumers typically hear about
For example, credit cards can be completely free if you use them properly. But credit cards are never free for merchants, who must pay a fee to the credit card issuer each time a consumer swipes the card.
Nearly everyone these days is looking to save more money and earn more money, too. While staying on top of financial goals can be overwhelming, there are companies that offer critical data, information and guidance to help a consumer keep of track of their finances. That includes Money Dashboard. The Edinburgh, Scotland-based website was founded in 2010.
“The mission is to help UK consumers make their money go further by empowering them to make informed financial decisions,” said Sean MacNicol, engagement manager for Money Dashboard, who spoke to RewardExpert. Besides its desktop site, Money Dashboard is also available on mobile, iOS and Android apps.
Fiserv bills itself as a leading global provider of financial services technology, focused on enabling its clients to create and deliver financial service experiences at the “speed of life.” The company’s client base includes millions of consumers and thousands of financial institutions, businesses and organizations that rely on the moving and management of money and information every day.
Imagine that you’re standing at the checkout counter and the cashier informs you that your credit card has been declined. Not only is this an embarrassing situation to be in, but it can also be an inconvenience. If you don’t carry cash, you’re left scrambling for another method of payment.
You may know a lot about the rewards and benefits that are included with your credit card, but you may not have considered those all-important four digits on the front of your card: the expiration date. It’s almost impossible to complete an online purchase without that data point, but what is the expiration date really used for? Banks have several reasons for including it. Read on to find out more.
It happens to everyone who has a credit card at one point or another. You overspend. And you often don’t realize it until your statement rolls in. Then you see it. The minimum payment option. Surely you’ll have more money next month to pay off the balance. It’s tempting to just take the easy out and carry the balance for another month or two or three. But this is why you shouldn’t do that. Ever.
