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.
How to Avoid a Finance Charge. Since finance charges are the credit card issuer’s way of charging you for carrying a balance, the simple way to avoid finance charges is to not carry a balance. Paying your credit card balance in full every month will prevent your credit card issuer from adding a finance charge to your balance.
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.
Motley Fool’s You Have More Than You Think. The creators of one of the most popular financial stock market sites, www.fool.com, brothers Tom and David Gardner also wrote the New York Times Bestseller You Have More Than You Think. The Gardner brothers’ book aims to show how even inexperienced investors can invest the smallest amounts of money and still make a profit. Their far-from-foolish advice includes how to reduce your debt and find money to invest, how to find the best investments, how to manage your 401(k), and more. As with most of their writing, this personal finance book is a fun and easy to read.
Finance Charges You Can’t Avoid. You’ll typically only get a grace period when your previous balance was paid in full and you started the billing cycle with a zero balance. If you had a balance at the beginning of the billing cycle, you may not be able to avoid a finance charge. You will have to bring your balance to $0 before the grace period applies again.
Online Personal Finance Software. You can always try online personal finance software if you’re not completely satisfied with your Linux personal finance software experience. Web-based financial software is being actively developed by many competitors, and most of them offer free personal finance software. Most online personal finance software will run in Firefox for Linux.
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