Calculating the Average Daily Balance
The Best Finance Magazines Covering Investment Topics. Investor’s Business Daily: Investor’s Business Daily is a finance magazine for the serious investor. It’s a well-respected publication that offers market and stock analysis for those who want to pick and choose their own stocks and bonds. I’ve never personally subscribed, but I’ve always heard great things about this publication. Wall Street Journal: All it takes to keep your finger on the pulse of what’s going on in Corporate America is a quick read of the front cover of the Wall Street Journal each morning.
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These days, money and personal finance advice is easy to find. There are literally hundreds of books out there about managing your money. But finding good and practical personal finance advice? Now that’s a little more difficult. If you’re catching up on your reading, here are 10 great places to start when it comes to getting a handle on your money and personal finance. There is something here for everyone, from individual investors to couples and driven young professionals to those with less confidence in money management.
You’ll be charged a finance charge whenever: the transaction isn’t made under a 0% interest promotion you had a balance at the beginning of the billing cycle the transaction doesn’t receive a grace period, usually cash advances. Any billing errors that you’ve disputed in writing won’t be assessed a finance charge while your credit card issuer investigates your dispute.
If, for some reason, your minimum payment is less than your finance charge, paying the minimum will result in a bigger, not smaller, balance. Can You Lower Your Finance Charge Amount? Since your finance charge is based on your interest rate and credit card balance, you’ll pay higher finance charges when these amounts are high. You can reduce the amount of interest you pay by paying off your balance faster, requesting a lower interest rate, or by moving your balance to a credit card with a lower interest rate. You can also avoid finance charges altogether by paying your entire balance before the grace period ends. If you pay your balance in full each month, you’ll avoid finance charges completely.