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Avoiding Debt By Finding The Best Deals

Introducing

Fixed rate doesn't mean fixed payments.
Your monthly payment changes every year even though you have a fixed-rate mortgage? Welcome to the wonderful up-and-down world of escrow, which can raise or lower your house payments based on changes in your taxes and insurance costs.


What will mortgage rates do next?
The government's Consumer Price Index is the gauge those in the know use to get an idea of which way mortgage rates are headed.

Should you get a refund anticipation loan?


Shopping for a credit card

Checking your credit
Do you really need a credit card?
Shopping for the right card
Types of credit cards
Understanding fixed vs. variable
Credit card shopping worksheet
Understanding the terms


Finding the best deals

How to find the best deals
Don't get gouged by high rates
How credit cards can cost you
You have a card? Keep looking
What's a gold card?


Your credit rights

Your protection & the law
Credit card fraud
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Final words: Avoiding Debt

How to manage your credit wisely
What to do if you assumed too much
Last resort: Bankruptcy
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The Best Deal
Click Here For checking survey finds that the The best deal in the nation comes from Bay Financial Savings Bank. And, once again, not one of the Top 50 biggest banks in the U.S. makes on the best-deals list.
Tax Information
Tax tips
IRS warns of a new scam on phony Social Security refunds.
Tips on dealing with the IRS and lowering your tax bill.
How to get an extension
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