Yankees gain breathing room in Wild Card race as Athletics fall to Baltimore

Dylan Bundy had eight strikeouts in six solid innings, and the Baltimore Orioles ended the Oakland Athletics’ six-game winning streak with a 5-3 victory Thursday night.

Stephen Piscotty homered for the A’s, who fell 3½ games behind first-place Houston in the AL West and 1½ back of the Yankees for…

Sports – New York Daily News

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How to Pay Off Credit Card Debt When You Have No Idea Where to Start


Over 41% of American households carry some kind of credit card debt, according to a recent study from ValuePenguin.

And the average balance for those households is $ 9,333.

With balances that high, and credit card interest rates north of 15%, it’s not uncommon for families to pay hundreds of dollars every month in interest alone.

And sometimes, there’s just not enough room in the budget for debt payments. Creditors know that, and they’ll use scare tactics to manipulate people into paying debts they can’t afford.

There’s a common misconception, for example, that someone can take your house or you can go to jail for not making your payments. Credit card debt is unsecured civil debt, meaning no one can put you in jail or take your house for not paying it.

However, in certain states, a creditor can obtain a judgment against you, resulting in a court summons. Never ignore notices or orders from the court, and make sure your address is always up to date so you recieve them.

But if you’re in a place where you want to pay off your credit card debt and you just need a little help, you have options. It’s easy to get scammed in the world of credit and debt, so here’s what you need to know about all the legitimate ways to get help paying off credit card debt.  

How to Pay off Credit Card Debt During Hard Times

A woman sitting at her table contemplating expenses
Aileen Perilla/The Penny Hoarder

Making payments isn’t the only way to pay off a credit card. There are other ways, and they can save you time, money and hassle throughout the process.

Credit Card Debt Loan

One way to pay off credit card debt is to take out one new loan to pay off all your old debt. It’s called a debt consolidation loan. It won’t reduce your debt burden, but it can lower your interest rate and monthly payment.

Debt consolidation is the go-to method for people who’ve fallen on temporary hard times or who’ve done the work to improve their finances and want to take care of their debt problem quickly.

Debt Management Program

Through a debt management program, a company will handle your consolidation and hopefully get you better interest rates and lower fees. You’ll be assigned a credit counselor, who’ll set up a repayment and education plan for you. It’s specifically for unsecured debt, like credit cards and medical bills.

A debt management program pays your creditor for you, ensuring you stay current on your debt payments. Your credit score may even improve during the program. But if you miss a payment, you can be dropped and lose all the benefits you gained.

The program typically lasts three to five years. So if you want to pay off your debt faster, you’ll want to read on.

Balance Transfer Credit Card

If you have good to excellent credit (690 or above) and can feasibly pay off your debt within a year, a balance transfer credit card is a great idea. Balance transfer cards exist to save people money on their debt by transferring the balance of a higher interest rate card to one with zero percent interest.

Most of these cards offer zero percent interest for 12 to 18 months with no annual fee. They generally have a 2-5% balance transfer fee, but you can easily find balance transfer cards with no fee. A higher credit score will help you qualify for a card with better terms.

Personal Loan

You can also consolidate with a personal loan. Online banks will allow you to apply for debt consolidation loans without doing a hard inquiry of your credit, so if you want to shop around, head there first. Then try your local credit union; they’re known for having the most affordable rates on loans.

It’s also important to note that lenders may tack on origination fees and prepayment penalties, or require collateral. Read the fine print before you commit to anything.

Home Equity Loan

If you own a home with equity, you can take out a home equity loan or line of credit, or do a cash-out refinance. For most people, these options will offer the lowest interest rates. But they’re also the riskiest, because your home is the collateral.

It’s important to know that your debt consolidation loan may not cover the entirety of your debt. In those cases, you’ll want to prioritize paying off the remaining debts based on the terms of your new loan.

If your terms and debts are flexible, there are a few methods you can use to make paying off your debt more attainable. If you want to pay off the highest-interest debts first, that’s known as the debt avalanche method. (It’s best if you’ve gone the balance transfer card route.)

If you want to prioritize your smallest debt amount and work up to the largest, that’s called the debt snowball method.

You can’t go wrong with either.

Settling Your Credit Card Debt

If you’re in more than just a season of financial instability, and you can’t see yourself affording the amount of credit card debt you owe, debt settlement is an option. Debt settlement reduces the amount of debt you owe, but it will significantly lower your credit score and negatively impact your credit report.

The process isn’t as simple as debt consolidation, either. You have to convince every creditor that if they don’t settle with you, they probably won’t get anything at all. So of course, during that time you won’t be making any payments — while interest and late fees accrue.

If you aren’t successful in negotiating, you’ll still be responsible for the full amount, plus any extra you incurred. If you are successful, you’ll have to pay the settlement amount in full. Then in April, you’ll owe taxes on the amount forgiven.

Other Ways to Get Help With Credit Card Debt

Cutting up credit cards
Aileen Perilla/The Penny Hoarder

If you’re having trouble negotiating your debt, or can’t make the payments you planned, don’t be afraid to ask for help. These options aren’t the most ideal, but dealing with the problem head-on is better than letting it accumulate any longer.

Debt Settlement Company

People with many creditors — and those who can’t save to pay lump sums of their settlements — can pay a debt settlement company to do it. Like a debt management program, a debt settlement firm will negotiate debts on your behalf, and the company will pay them while you make monthly payments to the company.

The difference is that the settlement company is making monthly payments on your behalf. While you’re paying the debt settlement company, you’ll still be delinquent on all your other debts — and bombarded with calls from creditors trying to collect.

And that doesn’t guarantee the company will be successful. But if it is, you’ll pay the settlement company up to 25% in fees on top of the settlement.

Bankruptcy

Bankruptcy is another last resort. The two major types for individuals are Chapter 7 and Chapter 13.

Chapter 7 allows the filer to completely discharge all their debts in four to six months, by liquidating their assets. A trustee gathers and sells all of your nonexempt assets to pay off your debt. Those assets can include property that’s not your primary residence, a vehicle with equity, investments or valuable collections.

Those who earn a high income or have significant assets choose Chapter 13, which allows them to keep certain assets while still repaying certain debts. It’s a long, arduous process that doesn’t guarantee to resolve your debt. It can be reversed if your income increases, and it wrecks your credit.

Neither option is better than the other; both have negative long-term ramifications.

If you’re serious about getting out of credit card debt, your best plan of attack is to first, stop using them and second, find ways to make extra money and pay it off as fast as possible.

This credit card debt calculator is a great tool to estimate how much extra you need to pay off your debt and how much you can save by paying it off quicker.

Jen Smith is a staff writer at The Penny Hoarder. She gives money-saving and debt-payoff tips on Instagram at @savingwithspunk.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Nicki Minaj accuses ex Safaree Samuels of stealing her credit card as he claims she cut him with a knife

It’s been four years since Nicki Minaj and Safaree Samuels split, but the exes’ beef still stands.

The two exchanged a spat of insults over Twitter Tuesday, sparking a relentless he-said, she-said that included stabbings, hair transplants and stolen credit cards.

Minaj, 35, kicked off the drama…

/entertainment – New York Daily News

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ICYMI: Slip-On Sneakers, Dermstore’s Anniversary Sale & More Things to Unfreeze Your Credit Card for

Sure, we’re all glued to our phones/tablets/laptops/watches that barely tell time, but even the best of us miss out on some important #content from time to time. That’s why, in case you missed it, we’ve rounded up our most popular stories of the week to help you stay in the loop. No need to thank …

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New Zealand July Retail Credit Card Spending Rises 0.7%

The value of retail credit card spending in New Zealand gained a seasonally adjusted 0.7 percent on month in July, Statistics New Zealand said on Friday.
RTT – Economic News

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Demi Moore’s credit card allegedly swiped by man who spent $169G

Demi Moore was targeted in a credit-card scam in which a man spent $ 169,000 using her information, federal prosecutors charged.

A man named David Matthew Read allegedly found a way to request a new card for Moore by claiming in March that her’s had gone missing, TMZ reported, citing a complaint…

/entertainment – New York Daily News

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Chase is eliminating these big credit card benefits as of August 26

Credit card companies are taking a hatchet to their benefits for customers — and there’s no end in sight, with the latest announcement from one of the nation’s biggest issuers.

RELATED: Discover is eliminating these 5 credit card benefits in 2018

Chase gets ready to eliminate Price Protection and Return Protection

Effective August 26, Chase will no longer offer Price Protection or Return Protection to its customers. Some customers were informed of the change over the weekend.

Price Protection is a beloved benefit that’s available across several card networks. In general, it promises to refund the difference in price between an item you buy and an advertised sale price that may pop up on that same item anytime between 60 and 90 days down the road.

Chase’s competitor Citi announced just days ago that they’d be paring down their proprietary price protection program called Citi Price Rewind.

But Chase is going one step further than Citi did and axing its version of price protection completely.

Also being shut down at Chase is Return Protection, which makes it up to customers if they buy something they’re unhappy with and the merchant refuses to take it back and refund their money. Chase currently offers up to $ 250 for each eligible item with a $ 1,000 annual maximum as part of its current return protection policy — but all you’ll get is a big, fat goose egg come August 26!

Yet as Chase taketh away, the card issuer also giveth. Cardholders of select products such as the Chase Freedom Visa Platinum will have Trip Cancellation/Interruption Insurance added to their card on August 26.

Beginning on that date, the added coverage will provide reimbursement of up to $ 1,500 per person and $ 6,000 per trip for pre-paid, non-refundable passenger fares. To meet the criteria to get the money, your trip must be canceled or cut short by sickness, severe weather or other covered situations.

Money expert Clark Howard has long recommended trip insurance for cruises and for when you’re going to be touring or traveling on a trip that requires prepayment of thousands of dollars.

So on the plus side, Chase’s addition of cancellation/interruption insurance for some customers could negate the need for them to buy third-party trip insurance. Just be sure you read through Chase’s policy carefully to see what it covers and what it excludes before deciding to forego traditional trip insurance you might buy elsewhere.

More credit card stories on Clark.com:

clark.com

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Credit card rewards may stop existing soon

The days of credit card users getting just about anything and everything in rewards are over, as issuers gird for choppy earnings. “There’s no question that banks are concerned about the credit card rewards arms race eating into their profits,” said Matt Schulz, an analyst with CreditCards.com. “Credit card issuers are grappling with an uneasy…
Business | New York Post

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Most Credit Card Companies Will Get Rid Of Your Fees If You Simply Ask

It’s easy to get rid of credit card fees. All you have to do is simply ask, according to a new CreditCards.com report. The terms of one’s credit card, which most people do not read, may be in black and white, but the newly released survey found that those terms aren’t set in stone. Looking to reverse a late fee, increase your credit limit, reduce your interest rate or even skip paying an annual fee, the survey found that when one asks, the credit card company is highly likely to say yes.

The report found that 84% of major credit card holders who asked for a late fee waiver were successful the most recent time they requested and 56% who asked for a lower interest rate got one. Seventy percent of participants in the survey were able to get an annual fee lowered or eliminated.

“The competition for credit card customers among banks has been increasing, and that puts customers in a stronger negotiating position,” says Alex Johnson, director of solution marketing at FICO. “The lesson is, it never hurts to ask. The worst thing that can happen is they say ‘no.’”

So Why Aren’t More People Asking:

Simply put, lack of knowledge, the survey found. For one, many just don’t know that it’s an option. The survey of 1,589 adults in the U.S. found that 60% of cardholders have requested at least one of the listed perks. Only 43% of credit card holders have asked for a higher credit limit.

The most popular request was for an increase in credit limit; the request for an annual fee waiver, the rarest request, was requested by just 18% of the participants.

Millennials Are More Likely To Be Affected:

Compared to other generations in the survey, millennials and Gen Xers had the highest percentages saying they weren’t aware that they could ask for each type of request.

About 1 in 3 millennials who didn’t ask for an interest rate reduction said they didn’t know that they could make such requests, while 1 in 5 said the same thing about a credit limit increase.

The survey found that millennials and Gen Xers are especially likely to be in the dark. Compared to other generations, they had the highest percentages saying they didn’t know they could ask for each type of request. While baby boomers and members of the silent generation in the survey said they didn’t ask because they were happy with the terms of their cards.

Poll findings:

The poll surveyed 1,589 adults in the United States who currently are credit card holders. They were asked if they ever attempted to reach out to their card issuer to either waive or reduce a card’s annual fee, reverse a late payment fee, lower a credit card’s interest rate or raise a card’s credit limit. The number of cardholders who make such requests is small, even though the survey shows that when you ask, you have a good chance of getting what you want.

The survey found that:

85% who asked received a higher credit limit.
84% who asked got a late fee waived.
70% who asked had an annual fee waived or lowered.
56% who asked got a lower interest rate (APR).

The post Most Credit Card Companies Will Get Rid Of Your Fees If You Simply Ask appeared first on Black Enterprise.

Money | Black Enterprise

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What is a ‘good’ credit card?

Asking the question, “What is a good credit card?” is kind of like asking “What is a good car?” as the answer will always depend on who you are and what you are using it for. A good car for a large family might be a minivan, while a compact might be the right car for solo commuter.

So let’s look at a few of the different types of credit card users and get a sense for what a “good” credit card would be for each.

People who are new to credit cards

Students, young adults, recent immigrants and anyone else who is new to credit cards will have different needs than others who have been using them for many years. First, you’ll want a simple card with low rates and fees, as your goal will be to learn how to use a credit card responsibly while incurring as few costs as possible.

You might start with the place where you already hold a checking or savings account. Nearly every bank and credit union offers credit cards, and most will have a simple card with no annual fee and no rewards. And when you need to make a payment, it’s simply a matter of transferring funds between accounts. You don’t have to create a new login or learn how to manage your account on a new website.

RELATED: What you need to know about credit card debt

Credit cards for getting out of debt

If you have credit card debt, a good credit card will be one that helps you to pay it off as soon as possible. Many cards offer 0% APR promotional financing for balance transfers. When you transfer your existing balances to one of these new cards, you can avoid interest charges during the promotional financing period. In fact, you can even pay off your debt more quickly, as 100% of your payments will go towards the principal, not interest charges.

A good credit card for this purpose will have an interest-free promotional financing offer that lasts at least 12 months, while the best will extend to 15 or even 18 months. You also need to look at the balance transfer fee, which is usually 3% of the amount transferred. However, some cards have fees of as much as 5%, and there are a few rare cards with no balance transfer fees at all.

Cards for rebuilding credit

If you’ve experienced job loss, divorce or major medical bills, you might have come away from it with bad credit. And if you’ve gone through bankruptcy, foreclosure or just a long string of unpaid loans, then you definitely need to rebuild your credit. A good credit card can be a tool to rebuild your credit, but only if you manage it responsibly by always paying your bills on-time and carrying little, if any, debt.

First and foremost, a good credit card to rebuild your credit will allow you to open an account, even with your bad credit. There are two types of credit cards available if you have bad credit: subprime cards and secured cards. A subprime card may be from a bank with an obscure name, or perhaps one that’s meant to sound kind of like a major bank that you’ve heard of. It will have very high interest rates and numerous fees, while offering you few benefits and a very small line of credit.

I would avoid these cards and focus on a secured card instead.

Secured cards work just like any other credit card, but they require you to pay a refundable security deposit before opening your account. The size of your deposit becomes your credit limit, and the security deposit is only used if you default. Like any other credit card, you’ll receive a monthly statement and must make the minimum payment. After a year of on-time payments, most secured card holders find that they can qualify for a standard, unsecured card and will have their deposit refunded. The best secured cards will be offered by a reputable bank that can eventually offer you an unsecured card. And, best of all, many of these top secured cards have no annual fee.

Earning rewards

When you always avoid interest charges by paying your statement balances in full, then you should be earning as many rewards and benefits as possible. The best card for you will depend on how you use your cards and its rewards. Frequent travelers will want a card that offers them airline miles, hotel points or other rewards that they can use for free trips. At the same time, a good travel card will also feature perks like free checked bags, hotel room upgrades and travel insurance policies.

Others might find the most value in a cash-back credit card that offers rewards that can be used to pay for anything. Some cash back cards will offer a high level of cash back on all purchases, like 1.5% or even 2%. Others can offer bonuses of as much as 5% on some purchases, but only 1% elsewhere. And when it comes to reward credit cards, the one with the lowest annual fee might not be the best. If you can receive hundreds of dollars of rewards and benefits, it may be worth paying an annual fee.

RELATED: New Barclays Arrival Premier card: Worth a look if you love to travel

One last thing

For millions of Americans, there’s no good credit card for their needs. If you’re unable to pay your bills on time, or you use your credit card to incur debt, then you should be using another form of payment like cash or a debit card (though you should be wary of when and where you use a debit card). Also, if you find yourself spending more money on a credit card then you would have spent with cash, then it’s also the wrong method of payment for you.

All credit card users should strive to pay their balance in full, and there’s nothing wrong with admitting that you can’t do this, and using another form of payment instead. By considering how you will use your credit cards, you can ultimately decide the right card for your needs.

clark.com

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Here’s Why You Should Never Lend Out Your Credit Card

Lending a friend or family member your credit card is a really bad idea, according to a new national CreditCards.com study.

Of the 49% of credit card holders—past and present—35% of them said they’ve had negative experiences. The most common problem people run into when they allow others to use their credit card: overspending.

Last month, a Massachusetts Mutual Life Insurance Co. study revealed that an overwhelming majority (80%) of African Americans are more likely to financially help out a family member than 66% of whites. Could African Americans, in the name of helping out a family member, be putting themselves in financial jeopardy?

“You really are playing with fire when you let someone else use your credit card, so proceed with caution,” CreditCards.com Senior Industry Analyst Matt Schulz said. “Whether they spend more than you anticipated, don’t pay you back, or you never see the card again, ultimately, you are the one who is responsible.”

The study also found that younger people (ages 18–37) faced an unfavorable result compared to 31% of Gen X (ages 38–53) and 26% of Baby Boomers (ages 54–72). Others complained about not getting refunded. Ten percent even said their card was either never returned or lost.

The study concluded that most people who have owned a credit card would let immediate family members borrow it and half of them said they are comfortable with a family member spending at least $ 100. Thirty-nine percent say they would never lend their card to an immediate family member.

What the study found was that the less you make, the more likely you are to be burned. More than half (52%) of low-income earners who have lent their credit cards to someone have had negative experiences. The number drops down to a quarter for those making more than $ 30,000.

The post Here’s Why You Should Never Lend Out Your Credit Card appeared first on Black Enterprise.

Money | Black Enterprise

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Citibank to Refund $335 Million to Credit Card Holders It Overcharged

Citi Group Inc., one of the world’s largest credit card issuer,s announced Friday that it will refund $ 335 million back to some its U.S. customers later this year.

The banking group said it had not used the proper method for reducing interest charges for 1.75 million credit cards holders who have had to pay the penalty rates since 2011. The refund will average about $ 190 per account.

“This refund won’t have much of an impact on Citi, but for millions of Americans who live paycheck to paycheck, $ 190 matters,” Matt Schulz, CreditCards.com’s senior industry analyst said. “It may not change their lives, but they will certainly welcome it, especially since they shouldn’t have had to part with it in the first place.”

Credit Card Accountability Responsibility and Disclosure Act, commonly called the CARD Act, is a federal law that changed banks and credit card issuers’ practices and advocated for consumers’ rights. And since 2011, banks have been required to reduce penalty interest rates for cardholders who resume making timely payments.

Citi said it made an error calculating the reductions.

“This provision of the CARD Act is a very important one,” Schulz said. “Before the CARD Act, someone who was hit with a penalty rate could be stuck with that super-high rate indefinitely.”

The error is up to 10% of the interest reductions that cardholders were supposed to get, the bank said. The other 90% of rate savings were properly credited to accounts.

“That shouldn’t happen anymore,” Schulz added. “That’s great news for people who hit a rough patch financially and then get their feet back under them shortly thereafter.”

In 2015, Citibank was ordered to pay $ 700 million back to customers and was fined $ 70 million for malpractices related to its marketing credit card add-on products.

The post Citibank to Refund $ 335 Million to Credit Card Holders It Overcharged appeared first on Black Enterprise.

Money | Black Enterprise

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What’s Better Than the Card Game ‘Uno’? According to Mattel, a New One Called ‘Dos’

What do you do when your toy manufacturing business is struggling?

Make a new game that’s nearly identical to an existing one, of course.

Mattel


mat



is launching a new card game called Dos next month, which, you guessed it, is a take on their 50-year-old classic, Uno.

Read: Mattel CEO: Strong Values and Smart Risks Are Key to Company Turnaround

According to the Associated Press, the rules of Dos are similar to those of Uno, “except players make two piles of cards and can throw down two cards at a time instead of one.” The game apparently fittingly took them two years to develop, to “make sure playing the game was different enough from Uno.”

But why try to update the beloved classic?

Read: Here Are the 10 Best-Selling Video Games on Amazon in 2017

While the rest of Mattel’s business has struggled in recent years, exacerbated by Toys “R” Us filing for bankruptcy, Uno reportedly continues to sell well. Uno sales were up 12% last year from 2016, reports the Associated Press. Mattel is apparently latching onto this bright light, selling Uno in more places, launching a version that’s playable on Facebook Messenger, and even reportedly working on an Uno app.

Dos will be released at Target


tgt



stores in March.

Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Get your moms’ group bingo card right here

by

Maggie Downs

posted in Life

Ah, moms’ groups on Facebook. We know them, we love them, we couldn’t survive without them. We also grit our teeth at them, screenshot some of the comments and show our other friends, because WHAAAT??

I belong to a few different Facebook-based moms’ groups, and they definitely provided a lifeline when I needed one, introduced me to some terrific mamas, and led me to some great resources. I have also tossed my phone off the bed in rage, rolled my eyes, and yelled at the internet.

With all those things in mind, I used an online bingo card generator to poke fun at the groups we love to hate, (but also love to love). Enjoy.

Bingo card with funny mom group phrases

Which posts do you hate in your moms’ group? Which ones do you love?

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Perfect Gifts for the Perfect baby

The one and only exception to Clark Howard’s ‘no gift card’ rule

A selfie of Clark Howard that was uploaded to our Facebook page has led to confusion among his loyal viewers, listeners and readers — with some calling the money expert a hypocrite.

In the picture, Clark was holding a gift card that he got for 10% off during a one-day sale at Target.

Why Clark bought Target gift cards

RELATED: The best days to shop between now and Christmas

If you’ve been following Clark for a while, you know that he hates gift cards because you take money that can be used anywhere and turn it into “fake money” that can only be used at one place.

There’s also the risk of restaurants and retailers going out of business. Clark issued this warning in November:

“There has never been a year that it has been more dangerous to receive or to give gift cards for restaurants and retailers. Both industries are having a terrible time right now.”

What was different about this past weekend at Target? The gift cards were being sold at a 10% discount. He was able to buy $ 300 worth of gift cards for $ 270.

Here’s how Clark explained the exception to his “no gift card” rule on the radio show:

“A gift card can be a good deal if you get bonus money. Joel of our crew got 50% bonus on a restaurant gift card recently, and my wife got 22% bonus on a restaurant gift card recently.”

One more thing: If you receive any gift cards for Christmas, don’t let them gather dust. The restaurant and retail industry is highly unstable. Use those gift cards quickly!

Listen to Clark’s explanation on The Clark Howard Show Podcast

RELATED: #1 secret to avoid overspending this holiday season


clark.com

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Half of Americans think this credit card practice should be illegal

When you’re out shopping through the holiday season and get to the register, keep in mind that sales associates are under enormous pressure to get you to sign up for a store credit card.

They may offer incentives like “20% off your first purchase” or “0% special financing for 12 months.”

RELATED: New tool offers credit card perks without debit card dangers

Warning: Do NOT sign up for these credit cards 

These offers can be very tempting to people who are on a tight budget — especially around the holidays — but they come at a steep cost once the grace period is over.

It’s all because of deferred interest, which money expert Clark Howard refers to as “hideous retroactive interest.”

Here’s an example: 

Bonnie goes to the register and her total comes to $ 1,000. The cashier asks if she’d like to open a store card to receive no interest financing for six months.

She gets approved for instant credit and is grateful for the extra time to pay for the items.

At the end of the six months, Bonnie has paid off all but $ 50 of the balance and plans to send in the last $ 50 the following month.

But to her surprise, she receives a $ 250 interest charge on her very next bill!

Clark: Beware of ‘hideous retroactive interest’ 

How could this happen? With a normal 0% credit card offer, interest only applies to the balance remaining after the special financing period is up.

However, retailers that offer special financing with deferred interest don’t work the same way.

If you miss a monthly payment or don’t repay your full balance within the 0% period, interest is applied retroactively to the original purchase amount.

That’s how Bonnie from our example was charged $ 250 in interest for a $ 50 balance. It’s like the 0% rate never existed!

According to WalletHub’s 2017 Deferred Interest Study, 61% of people think retroactive interest is unfair and 50% believe it should be illegal.

Here’s a look at the retailers that use deferred interest: 

Store cards charge up to 30% interest 

Deferred interest isn’t the only problem with store-only credit cards. They’re known for having regular interest rates much higher than general-purpose cards — some as high as 30%.

The average retail card APR (annual percentage rate) is 24.99%, according to a study from CreditCards.com. 

“Instant credit should be called instant debt,” Clark said. “When people take instant credit here, there and everywhere, they end up in debt not to their eyeballs — but above.”

Clark says you’re better off using the regular credit card that’s already in your wallet or just pay with cash!

Recap of Clark’s take:

  • One-store-only credit cards are inferior to general-purpose cards
  • Always pay your balance in full every month
  • Read the fine print to avoid deferred or retroactive interest

RELATED: Clark’s #1 secret to avoid overspending this holiday season


clark.com

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Democrats’ suicidal addiction to the race card

Recently, a few high-profile events have illustrated the Democratic Party’s overdependence on the race card and need to wallow in identity politics. Since President Trump came to office, the left has ramped up its attacks on Republicans. Democrats are trying to rally liberal activists and a cooperative media to cast most everyone in the GOP…
Opinion | New York Post

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Kaiser Permanente Earns Highest Rating on California’s Annual Health Care Report Card

OAKLAND, Calif. — For the 10th consecutive year, Kaiser Permanente Northern and Southern California are the only health plans in California to earn a four-star rating — the highest possible — for overall clinical effectiveness in the annual Healthcare Quality Report Card from California’s Office of the Patient Advocate.

The 2017-2018 report card provides California consumers with side-by-side comparisons of the largest HMOs and PPOs in the state. It ranks them on national standard-of-care measures that involve treatment and prevention of a range of conditions that have significant implications for personal health. Ten of the state’s largest HMOs and five PPOs are compared in the report card, and Kaiser Permanente is the only one with the top rating possible for overall clinical performance measures.

Kaiser Permanente in both Northern and Southern California received three stars in the “Patients Rate their Experience” category, which measures members’ satisfaction with their care and service.

“This rating demonstrates that our integrated model of care and coverage results in healthier and happier members,” said Janet Liang, president, Kaiser Permanente Northern California. “Our care teams make safe, high quality care a top priority.”

This year, Kaiser Permanente in Northern California earned top scores for overall quality of medical care, earning the state’s only four-star plan for behavioral and mental health. The plan also received four stars for heart care, maternity care, checking for cancer, chlamydia screening, diabetes care and “getting the right care” for children.

“The combination of exceptional physicians, integration, and advanced technology is helping us save lives every day,” said Richard S. Isaacs, MD, executive director and CEO of The Permanente Medical Group. “I’m very proud of all of our physicians and staff who together have created superior quality outcomes for our patients, which is very deserving of this four-star rating.”

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve 11.8 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

The post Kaiser Permanente Earns Highest Rating on California’s Annual Health Care Report Card appeared first on Kaiser Permanente Share.

rss-feed – Kaiser Permanente Share

NEW PARENT ESSENTIAL UPDATE:

Uber’s new no-annual-fee credit card comes with some sweet perks

Uber is ready to throw down with a sweet offer for anyone who wants its first-ever credit card!

RELATED: Clark Howard goes undercover as a Lyft and Uber driver

Here’s what the Uber credit card offers

Beginning Nov. 2, the ride-sharing company will start accepting applications for its new Uber Visa Card.

In a blog post, the company notes that cardholders will be able to earn rewards of a penny on every dollar spent for most purchases, with higher levels of reward points assigned to other purchasing activities:

  • 4% back on dining and bars (including UberEATS)
  • 3% back on hotel and airfare (incluidng vacation home rentals)
  • 2% back on online purchases (including those made with Uber itself)
  • 1% back on everything else

The Uber Visa Card, which will be issued in conjunction with Barclays, has no annual fee — which is a big bonus.

But watch out for that interest rate of 15.99%, 21.74% or 24.74% (depending on your credit) if you carry a balance! (You should never carry a balance from one month to the next!) 

 As an introductory offer, you can also earn $ 100 after spending $ 500 during the first 90 days.

Uber Visa Card

Here’s a rundown of some of the other perks:

No foreign transaction fees

Most credit card issuers charge around 3% if you use their card outside the United States.

Not so with Uber Visa Card, which has zero transaction fees!

Mobile phone insurance

You’ll get up to $ 600 for phone theft or damage when you pay your wireless bill with Uber Visa Card.

And you’re only responsible for a $ 25 out-of-pocket deductible!

Special invites

Uber says cardholders will also get invites to events, secret shows and dining experiences in select U.S. cities.

But this might be the biggest perk of all…

The Uber Visa Card comes with an annual $ 50 subscription credit that can be used for services including Spotify, Netflix and Amazon Prime membership.

This credit recurs every year once you spend $ 5,000 annually.

Clark Howard’s take

Money expert Clark Howard is always quick to note that cards like this will only work in your life if you’re a net payer, i.e. you pay your bill in full each and every month.

If you tend to carry a balance from month-to-month, any benefit of the Uber Visa Card could get eaten up pretty quickly with interest charges.

In that case, you’re probably better off with a credit card from your local credit union. They tend to have lower interest rates than the cards from the big financial institutions.

RELATED: How to use credit cards to benefit your financial life

Watch Clark go undercover as a Lyft and Uber driver!


clark.com

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Coming soon: a selfie with your credit card application

NEW YORK (AP) — The selfie is everywhere — Facebook, Instagram, Twitter — and soon your bank could be asking for one in order to approve your purchase or credit card application.
Technology Headlines

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Say What Now? Woman Arrested After Getting Caught Sending Her Imprisoned Lover a Meth-Soaked Greeting Card

Amanda Lynn Mollison is heading to prison after getting caught mailing a greeting card soaked in methamphetamine to her man — who was behind bars.

The intended recipient, Justin Brown, was serving time thanks to a nine month sentence for theft and a seven year sentence for evading arrest.

via NYDN:

NBC 5 reported that prison officials recorded phone conversations between Mollison and Brown during which they discussed the making and sending of the card.

In a Sept. 30, 2016, conversation, Brown allegedly asked Mollison “to work on his card tonight.” At the time, he said he “wants to get high.”

On Oct. 4, 2016, Brown reportedly asked Mollison if “she did what he asked her to do.” The following day Mollison confirmed she mailed the card.

According to the outlet, Mollison pleaded guilty to providing contraband in prison. Brown pleaded guilty of possessing said contraband.

Both Mollison and Brown, 39, will serve 51-months in prison.

This sounds like a plotline straight out of ‘Orange Is the New Black.’

The post Say What Now? Woman Arrested After Getting Caught Sending Her Imprisoned Lover a Meth-Soaked Greeting Card appeared first on B. Scott | lovebscott.com.

B. Scott | lovebscott.com

BEST DEAL UPDATE:

This credit card alternative could be bad for your wallet

The financial services company Affirm is partnering with a growing number of retailers to offer installment loans with no hidden fees and surprises.

It may sound like a good alternative to credit cards, but money expert Clark Howard has a warning for you.

What you need to know about Affirm loans

Read more: One simple step to avoid a drain on your bank account

Here’s an example of how Affirm works: Let’s say you find a vacation package on Expedia but don’t have the money to pay for it. The online lender instantly approves you for the loan and offers several payment plans.

Once you return from your trip, your first monthly payment will be due — with an interest rate as high as 30%!

The company says it charges no late fees, service fees or prepayment fees, but it reserves the right to refer delinquent accounts to a collection agency if you don’t pay your bill.

Since Affirm reports information to Experian, late or missed payments could also hurt your credit score.

The problem is that these instant loans encourage impulse spending — and it doesn’t have to be a pricey vacation! Affirm will spread payments over a period of 12 months for loans of $ 100 or more.

To put that in perspective, you could easily pay more than $ 15 in interest on just a $ 100 loan!

“You’re going to see this very heavily through the fall shopping season leading into Christmas with all kinds of items that you never could have imagined that you could finance, you’ll be able to do so,” Clark said on the radio show. “The far better alternative, if you don’t have the money, do layaway.”

One thing that works for my budget is delaying spending. Take a day or two to decide whether the purchase is a “want” or a “need” and only buy it if you can really afford it.

Read more: New tool offers credit card perks without debit card dangers


clark.com

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5 Signs Your Business Is Ready for a Credit Card

Your business is your baby, and everyone loves charting their baby’s progress and milestones. Experiencing your first sale, your first employee and your first website can feel just like seeing your child roll over, walk or say their first words.

So when is the right time to get your business its own credit card? If these five indicators sound familiar, now may be time to apply for one.

(Image: iStock/kali9)

1. You want a business loan down the road.

Of all the ways to finance your business, an SBA loan is pretty much your best option. If you want very low interest rates, long repayment terms and an affordable down payment, this is this cream of the crop. Unfortunately, they’re not easy to get, especially if you’re just starting your business.

If you have good personal credit you’re much more likely to be able to get a business credit card by using a personal guarantee (and there are still options if your personal credit is less-than-stellar). By using your business credit card and repaying on-time every month, you can start establishing a credit profile for your business so you can get that coveted SBA loan down the road. (You can check your personal and business credit scores for free on Nav.)

2. You travel a lot.

If you travel for work, getting a company credit card should be on top of your ever-growing to-do list. Whether you’re flying or driving on company business, you can use your company credit card to make purchases. This will also help you keep track of receipts and other important information crucial to your bookkeeping.

But a major bonus of using your business credit card is the airline miles you could be receiving. For example, Delta frequent flyers can take advantage of co-branded cards with American Express and earn miles for every dollar spent, plus bonus miles for signing up, as well as priority boarding on flights.

3. You buy a lot of supplies or inventory.

Many businesses use trade credit to purchase their supplies, which is also a great way to build business credit. Understandably, not everything can be bought on trade credit, which is where a business credit card can come in handy.

When choosing a card that you plan on using for business supplies, look for one with a low APR to avoid paying a lot of interest on purchases. Some cards also reward business owners with double points when used at gas stations, office supply stores or home improvement stores, so be sure to look for these perks when researching cards.

4. You have employees who make purchases for the company.

As a business owner, you’ll come to the realization that you can’t do everything yourself. And hopefully at some point during your tenure as head honcho, you’ll enjoy the company of a few superstar employees who are willing and able to help you achieve your goals.

There are pros and cons of trusting your employees with a company card, so make sure you know what you’re getting into. Only you can accurately assess who’s ready for such a responsibility, but authorizing an employee or two to carry out purchases in your business’s name can let you skip the cycle of tracking expense reports and reimbursing purchases.

5. You want to maximize your spending.

Maybe you don’t care so much about bonus miles, APRs or double points at office supply stores — but no business owner can overlook cash back. Several business credit cards, such as the Chase Ink Business Cash Card, offer at least 1% cash back on all purchases, with higher rewards in certain categories. (Cash-back business cards are best suited for businesses that are paying their balance in full every month as APRs can negate any rewards earned if you carry a balance.)

Be sure to follow the common sense rules of credit card ownership: don’t take on more debt than you can handle, pay every month on time and enjoy the benefits of the credit card you’ve selected.

More from Nav

This article originally appeared on Nav.com.

Small Business – Black Enterprise

FASHION DEALS UPDATE:

Dota 2 Is Getting Its Own Hearthstone-Like Card Game

Digital card collectible games have really made a huge surge in the gaming industry lately, especially with the popularity of Magic The Gathering and Blizzard’s Hearthstone. Speaking of which, Valve decided to get in on the action with a Dota 2-style card game called…
CinemaBlend Latest Content

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Dou Zecheng first Chinese player to earn PGA Tour card

OVERLAND PARK, Kan. — Dou Zecheng had a career-changing 36-hole run Sunday in the rain-delayed Digital Ally Open to become the first Chinese player to earn a PGA Tour card and win a Web.com Tour event.

The 20-year-old Dou was 15 under in the final two rounds in the rain-delayed tournament at Nicklaus Golf Club at LionsGate, shooting a 10-under 61 in the morning and adding a 66 in the afternoon for a three-stroke victory.

Boston Herald – Boston Herald

GOLF DEAL UPDATE:

Here’s How to Spot a Credit Card Skimmer at a Gas Station or ATM

There’s a popular new scam that is causing major problems for people.

Lifestyle – Esquire

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Expire: 2017-04-23 00:00:00
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Rite Aid – Select Cosmetics Products By Revlon, Olay, Covergirl & L’Oreal Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/16-4/22

Select Cosmetics Products By Revlon, Olay, Covergirl & L’Oreal Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/16-4/22
Code: No Code Needed
Begin: 2017-04-16 00:00:00
Expire: 2017-04-23 00:00:00
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Rite Aid – Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15

Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15
Code: No Code Needed
Begin: 2017-04-09 00:00:00
Expire: 2017-04-16 00:00:00
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Rite Aid – Select Cosmetics Products ByMaybelline, L’Oreal, Neutrogena, Rimmel & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15

Select Cosmetics Products ByMaybelline, L’Oreal, Neutrogena, Rimmel & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15
Code: No Code Needed
Begin: 2017-04-09 00:00:00
Expire: 2017-04-16 00:00:00
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Rite Aid – Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15

Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15
Code: No Code Needed
Begin: 2017-04-09 00:00:00
Expire: 2017-04-16 00:00:00
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Rite Aid – Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15

Select Skin Care Products Neutrogena, CeraVe, Garnier, Jergen’s & Curel Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 4/9-4/15
Code: No Code Needed
Begin: 2017-04-09 00:00:00
Expire: 2017-04-16 00:00:00
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Rite Aid – Select Skin Care Products by L’Oreal, Daylogic, CeraVe, Neutrogena, Aveeno & Garnier Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 3/19-3/25

Select Skin Care Products by L’Oreal, Daylogic, CeraVe, Neutrogena, Aveeno & Garnier Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 3/19-3/25
Code: No Code Needed
Begin: 2017-03-19 00:00:00
Expire: 2017-03-25 23:00:00
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Rite Aid – Select Skin Care Products by Neutrogena & Aveeno Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 3/12-3/18

Select Skin Care Products by Neutrogena & Aveeno Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 3/12-3/18
Code: No Code Needed
Begin: 2017-03-12 00:00:00
Expire: 2017-03-18 23:00:00
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Rite Aid – Select Vitamins & Supplements by Nature’s Bounty Buy One Get One Free on regular retail with card at Rite Aid! Valid 2/26-3/4

Select Vitamins & Supplements by Nature’s Bounty Buy One Get One Free on regular retail with card at Rite Aid! Valid 2/26-3/4
Code: No Code Needed
Begin: 2017-02-26 00:00:00
Expire: 2017-03-04 23:00:00
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Rite Aid – Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: no code needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Anti-Itch Products Johnson & Johnson, Band-Aid, Neosporin, Aveeno & Benadryl Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Anti-Itch Products Johnson & Johnson, Band-Aid, Neosporin, Aveeno & Benadryl Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: No Code Needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: no code needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: no code needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Anti-Itch Products Johnson & Johnson, Band-Aid, Neosporin, Aveeno & Benadryl Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Anti-Itch Products Johnson & Johnson, Band-Aid, Neosporin, Aveeno & Benadryl Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: No Code Needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25

Select Cosmetics Products Neutrogena, Aveeno, Revlon, Covergirl & Almay Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/19-2/25
Code: no code needed
Begin: 2017-02-19 00:00:00
Expire: 2017-02-25 23:00:00
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Rite Aid – Select Cosmetics By Maybelline, Covergirl, Revlon, Almay, Neutrogena & Wet N Wild Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/5-2/11

Select Cosmetics By Maybelline, Covergirl, Revlon, Almay, Neutrogena & Wet N Wild Buy One Get One 50% Off regular retail with card at Rite Aid! Valid 2/5-2/11
Code: No Code Needed
Begin: 2017-02-05 00:00:00
Expire: 2017-02-11 23:00:00
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Rite Aid – Select Vitamins & Supplements By Nature’s Bounty, Nature’s Truth, Sundown Naturals & Schiff Buy One Get One Free on regular retail with card at Rite Aid! Valid 1/22-1/28

Select Vitamins & Supplements By Nature’s Bounty, Nature’s Truth, Sundown Naturals & Schiff Buy One Get One Free on regular retail with card at Rite Aid! Valid 1/22-1/28
Code: No Code Needed
Begin: 2017-01-22 00:00:00
Expire: 2017-01-28 23:00:00
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Rite Aid – Select Vitamins & Supplements By Nature’s Bounty, Nature’s Truth, Sundown Naturals & Schiff Buy One Get One Free on regular retail with card at Rite Aid! Valid 1/22-1/28

Select Vitamins & Supplements By Nature’s Bounty, Nature’s Truth, Sundown Naturals & Schiff Buy One Get One Free on regular retail with card at Rite Aid! Valid 1/22-1/28
Code: No Code Needed
Begin: 2017-01-22 00:00:00
Expire: 2017-01-28 23:00:00
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