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Managing Your Money: Basic Financial Information And Tips
Fraud & bad deals - Identity theft stands out as the #1 scam. Help keep your account numbers and Social Security # out of the hands of those who don't need to know them.
Charge cards - If used effectively, they're great instruments, but if they're used poorly, it can result in financial ruin! When you are too impulsive, stash your card! In order to avoid paying interest and fees, pay off your entire balance each month (on time or early).
Unwanted use of charge cards - If a charge - that you did not authorize - shows up on your charge card statement, contact the charge card company instantly. Follow-up your dispute in writing within 60 days to ensure your rights.
Disputed items - If you are dissatisfied with a service or product you charged with your bank card, first make a "good faith" effort to resolve the dispute with the vendor. When you're cannot resolve it, contact your credit card provider and file an official dispute. Do this within 60 days of the charge to protect your rights to avoid negative credit.
An atm card - If you, or another person, uses your debit card, cash is deduced from your account. For pre-authorized buying (gasoline or motels) a "hold" is placed on your checking account, usually for an amount bigger than the expected charge.
Avoid the use of an atm card for mail order, telephone, or internet expenses. Even if you do not get what you bought, you may not be able to get your money back.
Reconcile your bank account. The earlier you do it, the better it is. As soon as you obtain your bank statement, review it with your check register - product by item.
Make sure both you and the bank have recorded things properly. If you find that the financial institution has made mistakes, or the statement includes unauthorized deductions, get in touch with them promptly.
Blank checks - Store blank checks in a safe place. While you might not be technically responsible if someone steals your checks and forges your own name, people are often unable to recover their funds which were deducted from their bank account. Banks have a lot of defenses including consumers' carelessness.
Bounced checks - To avoid costly bounced checks, tie your checking account to a revolving credit line (an empty loan). If you have this kind of pre-arranged plan, and write a check in excess of your available balance, a loan advance is made to pay the check.
Investing - If you cannot afford to lose it, do not speculate with it. But if you actually have extra money you would like to build a savings with, it could be good for you. Figure out how a reverse merger and going public may help you by searching: go public.
Risk Free - There's nothing "risk-free". Especially nothing relating to money.
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