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Study Shows Credit Card Debt Affects Kids Too

1962Being in credit card debt is stressful. And the last thing parents want to think about is how their financial stress might be affecting their children.

For financially strapped families, having one more thing to worry and feel guilty about is a terrible feeling. But a new study from T. Rowe Price might actually be empowering to parents. They surveyed a thousand parents of kids ages 8 to 14 and found that while the parents’ financial habits did affect their kids – kids tended to pick up their parents bad money habits – parents can counteract any negative modeling by simply talking to their kids about money.

Parents who openly discussed money matters with their children were more likely to raise kids with healthy attitudes toward money. For example, kids whose parents had been through bankruptcy, and who were aware of it, were more than twice as likely to say they were smart, or even extremely smart, about money compared with their peers whose parents’ bankruptcy had been kept secret from them. Eig ...


Citi And Chase Named Best Balance Transfer Credit Cards

1957For those looking for a great balance transfer credit card, the top two to consider might be a Citi Diamond Preferred card and or a Chase Slate card. Those were the top two cards named as the best in the industry recently, with a tie putting them both as best in class. The third-place winner was the BankAmericard, a card that isn’t as widely known, but which still offers good value.

The Chase Slate card is a rarity these days, because it lets consumers transfer a balance with no balance transfer fee, as long as they do it within 60 days, or about two months, of opening their account. It then gives folks 15 months to make payments on their cards without incurring any interest fees whatsoever.

Citi Diamond does charge a balance transfer fee, but at 3% or $5, whichever is higher, it isn’t too steep. And their no-interest period is longer, lasting 21 months. The Bank Americard offers an 18-month 0% APR promotion, with a lower ongoing interest rate than many other cards offer, after the zero-interest period ...


New Study Shows Americans’ Debt Level Climbing While Savings Dwindle

1593Credit card debt in America continues to climb, according to a new study. Meanwhile, savings accounts are emptying out or sitting idle, in a trend that has finance experts concerned.

Fifty-two percent of Americans say they still have more money in their savings accounts than they have in credit card debt. That percentage is unchanged from 2016. But the number of Americans with more credit card debt than savings is climbing, rising two percentage points from last year to this year. Only one in six Americans say they don’t have either credit card debt or emergency savings – a worrying statistic, considering those people could very easily fall into debt with just one unplanned expense.

Savings and debt: the generational divide

Older folks – Baby Boomers and their parents, the so-called Silent Generation – were more likely to have substantial savings and less credit card debt. Millennials and Generation Xers were most likely to have more debt than emergency savings overall, but perhaps surprisingly, ...


Financial Experts Give Advice For Couples Struggling With Money

1948You promised to love, honor and cherish each other for the rest of your lives – but that was before the latest credit card statement came to your email inbox. Now you aren’t sure what you could have been thinking, tying yourself down to such a financial mess of a person.

Does this sound familiar? The nonprofit credit counseling agency Take Charge America would bet that it does. The company sees many couples who have trouble talking about money, and who perhaps have never talked much about it at all. Citing a recent Citibank survey that showed 57% of divorced couples broke up over financial issues, they’re offering advice to lovebirds who hope to stay the course and not end up throwing it all away over a difference in bank account statements.

Mike Sullivan, a personal finance consultant with Take Charge America, says many people jump into relationships without first talking about financial issues. “It’s not particularly fun or romantic, but open and honest communication about finances will go a ...


Chase and Intuit Team Up to Help Customers Make Smarter Money Choices

Chase and Intuit Team Up to Help Customers Make Smarter Money ChoicesChase Bank customers have a new way to take control of their financial information and make better decisions around money. The mega bank has partnered with Intuit Inc. to allow the two companies to share data and work together going forward.

Intuit offers a number of financial management applications that help millions of consumers save, spend, track, and control their money. These include Mint, TurboTax Online, and QuickBooks Online. Chase will now be able to electronically share data with Intuit apps, so customers can import information from their Chase accounts directly to their Intuit apps.

Users of Inuit apps will not have to provide their Chase user names and passwords; instead, Chase and Intuit will utilize a data sharing connection known as an application-programming interface (API) to securely ...


New Card Gives Unlimited 5% Back On All Amazon Purchases

New Card Gives Unlimited 5% Back On All Amazon PurchasesThe Amazon Prime Rewards Visa Signature Card, just introduced from Chase, will give cardholders 5% back on everything they buy at the internet mega-retailer, as well as 2% back at when they dine at restaurants, fuel up their vehicles, or make purchases at drugstores. All other purchases will earn 1% back. And unlike many other cash back rewards credit cards, this card does not put a cap on earned rewards.

The offer is available only to Amazon Prime members. Prime members get free two-day shipping on eligible purchases; the addition of the 5% cash back incentive is sure to sweeten the deal for folks who are unsure whether the cost of Prime membership is worth it. Amazon Prime currently costs $99 a year, or $10 per month.

The card has other perks as well, including no foreign transaction fees, no annual fee, 24/7 concierge service ...


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