Jacking Up Credit-Card Rates and Fees is Cold. Solution? Freeze Them

The final provisions of new credit card legislation aimed at protecting consumers won’t go into effect until February. What this means is that right now, while consumers are relatively unprotected, credit card companies are raising rates and adding fees to reap in as much profit as possible from their customers before such strategies are …

Ten Bizarre Theories on Saving and Spending

Poker teaches important lessons about saving and investing. Foreclosures are better than mortgage modification programs. Debit card overdraft fees are good for consumers. PMS is responsible for impulse purchases. There is no shortage of strange theories out there—and some of them are actually plausible.

Smartphone Apps that Help You Avoid Bank Fees

One of the frustrations of modern life is that often, you must spend money simply to get your money. I speak of the $3 fee for using an ATM not affiliated with your bank. Now, there are apps for the iPhone and other smartphones to help you avoid ATM fees, as well as other charges, including the ever-annoying overdraft.

New Debit Card Overdraft Law Would Change the Game Entirely

Banks have grown accustomed to reaping in big bucks off of overdraft fees—$35 or so assessed each time a customer uses a debit card when there’s not enough money in the account to cover the tab. This year, banks are expected to take in more than $38 billion (!) in such fees.

Saving’s Double-Edged Sword: Good for You, Bad for the Economy

Economists say the only way you can get your finances in better shape is to save more and spend less. Economists also say that the way to get our national economy in better shape is to have people spend more—and therefore save less. So basically, right now, we should all be spending more and saving more. Right …

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