Caines Hodges
Articles & Resources
Credit Cards: Frequently Asked Questions
Which are the best credit cards? Finding the best credit card is mostly a matter of comparison shopping, but before you accept a credit card offer, make sure you understand the card's credit terms. For instance, what is the annual percentage rate? Is there a grace...
Getting Out of Financial Trouble: Steps You Can Take
If like thousands of others, you are having trouble paying your debts, it is important to take action. Doing nothing can lead to much larger problems in the future--and even bigger debts, such as the loss of assets such as your house, and a bad credit record. This...
Your Credit Card Rights: What To Do If You Have a Problem
You have numerous rights related to your use of a credit card. These include (1) prompt credit for payment, (2) refunds of credit balances, (3) resolution of errors, (4) removal of unauthorized charges, (5) resolution of disputes, (6) prompt shipment, (7) refusal of...
Merchant Credit Card Abuses: What They Cannot Ask You To Do
Many merchants engraft their own rules to your use of a credit card, usually without the right to do so. What are you required to do and what can you rightfully refuse to do? The Financial Guide explains your rights. Do sales clerks ask you to write your phone number...
Credit Reports: What You Should Know – And Do – About Yours
Credit Evaluation Factors When you apply for a loan, how is your application processed? In some cases, such as applying for a loan from your bank, it may be as simple as going to the bank, giving brief information about why you need a loan, signing a loan contract and...
Credit Cards: How To Choose – And Use – Them Wisely
Using your credit cards wisely is largely a matter of being informed - e.g., how much your card company is charging you for credit - and by following some simple tips for using the card. Credit CARD Act of 2009 Known as the Credit CARD Act of 2009, the Credit Card...
Getting a Loan: Frequently Asked Questions
Should I prepay my mortgage? As a general rule, if you are able to prepay your mortgage (and if there is no penalty for doing so) you should prepay as much as you can every month. There are, however, two exceptions to the general rule: You do not have an emergency...
ATM Transactions: Frequently Asked Questions
How do automated teller machine (ATM) and other electronic transfer transactions work? There are various transactions that fall under the umbrella term "electronic funds transfer." Automated Teller Machines (ATMs). You can bank electronically and get cash, make...
Bank Accounts: Frequently Asked Questions
What banking fees do you need to look out for when shopping for a bank account? Fortunately, banks are required to give you a list of fees for their accounts. Even with interest, the best account is usually the one with the lowest fees. Checking accounts are...
Applying For a Loan: How To Get The Best Loan At The Lowest Cost
Debt should be incurred with caution. Yet there are ways to take advantage of your available credit to enjoy a purchase, make an investment, or take care of an emergency. Here is a guide to finding out which form of borrowing will best suit your needs as well as some...
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