Capital One Quicksilver Cash Back Credit Card Review

Don’t listen to Samuel L. Jackson, The Capital One Quicksilver card is a “good” cash back rewards card, but the Barclaycard Arrival PlusTM World Elite MasterCard® is the best personal rewards card. The Quicksilver card doesn’t even have a sign-up bonus.  Ok, on to the Capital One Quicksilver cash back card! Cold, Hard Cash The Quicksilver is[…]

Is A Roth IRA The Perfect Savings Plan For You?

As far as retirement plans go, a Roth IRA can make the most sense for a lot of people. Both Traditional and Roth IRAs provide a way to shelter your savings from taxes. Typically, when you invest in, say, a mutual fund, you pay taxes on the money you put in and then you pay[…]

PenFed Platinum Cash Rewards Visa Credit Card Review

As far as gas purchases go, the PenFed Platinum Cash Rewards card is a good option. PenFed is notoriously picky so good luck with getting accepted, but if you do, you will be enjoying a gasoline cash back rate of 3% on pay-at-the-pump gasoline. For all other purchases, we recommend using another card, since the PenFed[…]

5 Ways to Earn More Rewards Without Extra Spending

Rewards cards are the best, right?  We’d like to give whoever came up with the idea a big kiss on the lips. Ok, maybe just a hug.  Our delight in rewards cards is for one big obvious reason: spending that we would do anyway now reaps rewards. We get rewarded for spending money! What an[…]

5 Common Financial Mistakes You Might Be Making

Things are not always as they appear. In the often-confusing world of finance, this means a lot of well-meaning advice is followed because it seems logical enough. A lot of these pieces of wisdom, however, deserve a second look.   1. “Don’t use credit cards – you’ll be paying off that interest long after you’re[…]

Practical Steps for Eliminating Credit Card Debt

An issue that has been a nationwide concern is credit card debt. Maybe it’s because an average American family that uses credit cards has a debt of approximately $7,400. And that’s just the average. To have a solid financial stance requires reducing that number – whatever it is – as much as possible. So if[…]

The Difference Between a Charge Card and a Credit Card

Yes, there is a difference between a charge card and a credit card. If you’re more of a visual person: Charge card = Credit card  ;  Credit card ≠ Charge card A charge card is, in fact, a type of credit card, but one that requires you to pay off your balance in full every month (or[…]