Saturday, 28th January 2012.

Posted on Monday, 23rd January 2012 by Eden Fryett


The New York Times is reporting that a new study by Louisiana State University is about to be released which shows no link between a person’s credit score and their behavior on the job.

Many more employers have been jumping on the credit score bandwagon, pulling credit scores of potential job candidates as part of the interview and screening process for employment. Those looking to work in government jobs or in finance typically need a strong credit score to get employment offers. But now the new study is showing that a job applicant’s credit history may not have a valid link to their potential behavior at work. It is noted that employers do not actually have access to the credit scores of applicants but do get to see credit history data which is used to calculate the applicant’s score.

Over all the study conducted at LSU’s business school showed that low credit scores were not able to be linked to how a person would act in a job. For exa

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Tags: Job, Job Performance
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Posted on Saturday, 21st January 2012 by Lucy Hales

Will the Unbanked Ever Become Bankable? With the rise of pre-paid debit cards, payday loans and pawn shops, we learn more about a large segment of the population that lurks in the shadows of the financial system in our country called the “unbanked.” These are people from a variety of backgrounds and for any number of reasons simply don’t show up on the radar of the banking system or they have been denied access to checking and savings accounts.

They somehow manage to conduct their financial transactions using alternative “financial services” such as check-cashing services and non-bank money orders in the banking underground. Who exactl

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Tags: Become Bankable, Ever Become, Ever Become Bankable, Unbanked
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Posted on Thursday, 19th January 2012 by Toby Duncan

While many different credit cards offer balance transfer deals, the Aussie credit card has a reputation for longer low rate options.

Unlike other credit card providers, who may decide to change the rates or length of a balance transfer offer throughout the year, Aussie has opted for more consistency.

For years this MasterCard option has provided low introductory rates on balances and purchases for the first 12 months, before reverting to a low ongoing rate that is applied to both balances and new charges.

Currently the Aussie MasterCard has a competitive 2.99% for balance transfers and 9.99% for purchases, with both reverting to a standard variable rate of 13.29%.

These features and terms make the Aussie credit card an ideal option for anyone trying to juggle credit card debt with spending but there are other cards that could be just as good, if not better.

The Bank of Melbourne Vertigo card, for example, offers a 12-month balance transfer rate of 0.99% p.a.

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Tags: Balance Transfer, Balance Transfer Deal, Deal, Transfer Deal
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Posted on Tuesday, 17th January 2012 by admin

In this age of post recession hangover and economic turmoil, the number of debt stricken consumers turning to credit counseling agency is increasing. Credit counseling agency not only help the consumers mange their debts, but also assist them regain control of their financial burdens. If you are considering credit card debt counseling, but feeling hesitant because you are not sure how it works, this article can certainly help out. Actually a credit counselor help you organize your finances, so you can repay your debts more efficiently. Read ahead, to know how credit counseling agencies work and how you can bring your finance s back in track with the help of a credit counseling agency.

What is credit counseling?

In short, credit counseling could be explained as an educational process that intends to educate the debt-laden consumers, about debt elimination procedures and the ways to prevent the debt cycle from repeating in future. You can visit a credit counseling agency in person or can consult him over phone or online. Read more…

Tags: Credit Counseling
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Posted on Sunday, 15th January 2012 by Toby Duncan

In response to a young lady who tweeted a less-than-flattering review by trusted financial blogger Philip Taylor of PT Money:

@20andengaged Too bad you choose to believe an idiot over me- you just keep following others and see where it gets you

@scrpbks4u read the great reviews of legit reporters or ones that are smart enough to understand what I am doing. There are many Suze haters

@YourMoneyDrawer @ptmoney if you want to think that you can. But ignorance as to the big picture here says more about you than me.

@Audrey00211 dont worry Aud. I can take it. I am use to people who know nothing think they know everything. You just have to pity them

The evil within

What are finance experts saying that so ruffled Orman’s fiscal feathers? T

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