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In this article, we will cover common types of bank fees, why you get them, how to avoid them, & how to negotiate them.It’s important to know how to properly optimize your accounts or you’ll end up paying fees & bank charges that can easily be avoided.One of the biggest secrets to avoiding fees and properly using your account is talking to an actual customer service rep, either in person

Want to know how to save money even if you feel like you don’t make enough, or are flat-out broke? Here’s what to do:Depending on your financial situation, setting up a workable Conscious Spending Plan may seem out of reach for you. Some people have already cut their spending to the bone and still don’t have any extra money. For me to suggest that they put away 10 percent for

You may have heard about “robo-advisors” like Betterment and Wealthfront. Robo-advisors are investment firms that use computer algorithms to invest your money (“robo” refers to a computer investing for you versus an expensive adviser).You’re probably wondering if they are a good investment and if you should use one. As a NYT best-selling author on personal finance, let me break it down for you.NOTE: If you’re looking for more information on

In the article, we will fundamentally break down how banks make money. Banks earn their money by lending the money you deposit to other people. For example, if you deposit $1,000, a Big Bank pays you a small amount in interest to hold on to that money, then turns around and lends it out at a much higher percentage for a home loan. Assuming that everyone repays their loans in full, the

In this article, we’ll breakdown some of the key rules of credit cards.You’ll improve your credit while automatically being rewarded for the purchases you’re already making. Optimizing your credit is a multistep process.First, we’ll set up automatic credit card payments so you never miss a payment again. Then, we’ll see how to cut fees, get better rewards, and take everything you can from the credit card companies.Yeah, we’ve all heard it, but

In this article we’re going to cover the types of bank accounts, which ones you should have, and what each one can do for you.The two main types of bank accounts are your checking and savings accounts. These two are the main types and are essential to a healthy financial life.It’s important to know how to set them up and how to make them work for you to get the