Best for Managing Subscriptions: Clarity Money. Clarity Money. Courtesy of Clarity Money. More and more companies are moving to subscription models. In the process, it’s easy to lose track of subscriptions you’ve signed up for. Clarity Money aims to help you stop throwing away on unused subscriptions by helping you uncover and cancel subscriptions you’re not using. On top of getting rid of extra subscriptions, the app analyzes your spending behavior and gives you recommendations to improve your financial health. Clarity Money allows you to make regular savings deposits and attach a goal to your savings. You can even create several savings funds with different goals. Your savings deposits are helped at an FDIC-insured bank and are insured up to $250,000. Stay on track with your monthly budget by showing how much you’ve already spent – provided you’ve linked your debit and credit cards. You’ll also get access to your free VantageScore credit score by Experian.
If you’ve ever bought or sold stocks, there’s a chance you may have done so based on feelings and emotions rather than cold, hard evidence. You may want to believe you trade based on objective information, keeping an eye focused intently on your investment goals. But you’re human. You buy a stock because you saw a pundit talk about it on television. You sell a stock because it’s lost some value and you’re freaked out. You’ve probably bought or sold stocks simply because it feels good to make a transaction.
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How Much Is the Finance Charge? Finance charges are calculated each billing cycle based on your APR and credit card balance, so your exact finance charge will typically vary from month to month. Creditors have different methods of calculating finance charges based on how they calculate your balance. Credit card issuers may calculate your finance charge using your daily balance, an average of your daily balance, the balance at the beginning or end of the month, or your balance after payments have been applied. It’s now illegal for credit card issuers to charge a new finance charge on a balance you paid off in a previous billing cycle.
Consider a Robo-Advisor, One of the latest trends in investing is the use of robo-advisors, in which a company manages your investments with very little human intervention. Money is instead managed through mathematical instructions and algorithms. Some major discount brokerages including Vanguard, E-Trade and Charles Schwab have robo-advisors services, and there are a number of newer companies including Betterment and Personal Capital. The jury is still out on whether robo-advisors offer above-average returns. But in theory, using a robo-advisor will enhance your chances of making optimal and rational investing decisions. Moreover, as more investors turn to this automated approach, we may see the conventional finance models become more accurate as human behavior plays less of a role in how markets perform.
Different credit cards calculate finance charges in different ways. To find out how your creditor calculates your charge, look on the back of a recent billing statement. You should find an explanation there. If you know how your credit card issuer calculates your finance charge, you can estimate your own finance charge and even find ways to minimize the finance charge you pay. Regardless of how your credit card issuer calculates your finance charges, you can avoid paying interest on your balance by paying in full each month. Below are six ways finance charges can be calculated – one has been made illegal within the past decade. Click on the links for a more detailed explanation including example of how each finance charge calculation method works.