As families return home from vacation and children go back to school, many popular travel spots get less crowded in autumn. Peak season rates at hotels and resorts come to an end, and off-season packages and deals abound. At the same time, winter weather hasn’t hit yet and you can enjoy crisp fall days and colorful autumn leaves in much of the Northern hemisphere.
In a recent survey by JumpStart Coalition for Financial Literacy, only 26 percent of those between the ages of 13-21 said that they had been taught how to manage money. Yet, when they turn 18, kids are signing contracts for student loans, opening credit card accounts, and in many instances, living away from home with little financial guidance available.
Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement.
But are there any other differences between the two?
Are you thinking you’d like to Age in Place? Downsize into a cozy retirement community? What if you need to transition to assisted living or long-term care? There are many options for retirement housing, and it can be hard to decide what’s the best place for you and your spouse as you face the future.
A Mexican immigrant, Victor worked for a coffee shop in the U.S. for 7 years and then tried to start his own shop. Turned down by conventional lenders due to a lack of credit history, he obtained a $5,000 loan from the microfinance organization Kiva.org. Five years later, he now has three thriving shops.
Whether you collect fine wine or folk art, baseball cards or bone china, comic books or classic cars, valuation can be a tricky business. Market fluctuations, economic conditions, popular trends, and the course of history can all influence whether a collection accrues value as an investment, or retains more sentimental than monetary value over the years.
In a few short years, it seems as though the banking industry has revolutionized. It is now easier (and more convenient than ever) to tend to your banking needs, all from the comforts of your pajamas. Gone are the notions of banking hours, and the never-ending lines when you want to deposit your paycheck.