Vanguard Personal Advisor Services Review
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Natalie Cooper
4y ago
Banking Sense may receive compensation for clicks, increased views, or client referrals to products discussed. However this does not influence their evaluations as opinions are their own. In 2015, Vanguard launched a new service to help clients get the answers they need to maximize their investments. Vanguard Personal Advisor Services combines the experience of human advisors with the precision of investment algorithms to reduce costs while providing investment advice tailored to each client’s unique circumstances. Service Overview Each client interested in Personal Advisor Services has an in ..read more
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Top 7 Small Business Credit Cards
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
Small business cards are being sought out by individuals. They are looking for practical options. They need to make the purchases necessary for keeping their businesses and companies operating at peak performance. For some, one of these cards can be a great alternative to getting a business loan or crowdfunding. They provide another option for simply borrowing extra cash from friends and family. Credit cards can be a useful resource when utilized responsibly. Expenditures must be managed properly. What makes it a Business Credit Card? Credit cards for business are usually defined by the range ..read more
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10 Expenses You Should Never Put on a Credit Card
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
Credit cards are an all too easy method of paying for the things we need and want. They are more convenient than carrying around cash. You can swipe them just about anywhere these days to cover any expense. However, you need to be careful about how to use your cards. That is because too much spending can quickly lead to significant credit card debt. Paying that off can be a challenge. This is particularly the case when your annual percentage rate can get as high as 24% or more. The interest accruing on your credit card balance will only add to your debt. Thus, before you know it, you miss a pa ..read more
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How to Eliminate Your Credit Card Debt for Good
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
Credit card debt can be one of the most damaging ways to impact your credit score. The more debt you have, the worse off it can be. If you are among the millions of Americans who are trying to raise their credit scores, getting rid of credit card debt is the very first step. Yet, that is often easier said than done for almost half of all Americans. All of whom are carrying some kind of credit card balance. Credit card debt is near the top of the list of reasons why most people are dealing with poor credit scores. That is because the average debt per household is just under $16,000. The time to ..read more
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Understanding Crowdfunding Taxes
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
There are so many fundraising websites cropping up all across the internet. This method for raising money from large groups of like-minded donors has never been more popular. The way it works is very simple. Anyone seeking to finance a wide variety of projects and products initiates a campaign on a website. These include Kickstarter.com or Indiegogo.com. There, they advertise for backers who can donate a certain amount of money to help fund that campaign. There is a range of similar sites where people can try to raise money for personal or charitable reasons. A reward or product is not always ..read more
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8 Expenses You Thought Were Deductible but Aren’t
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
Taxpayers are always looking for ways to save on their tax liability. Each year, as we all prepare our tax returns, we account for the expenses that were incurred. We do this for a variety of reasons to identify deductions that each of us might qualify to claim under the law. For some, those expenses can lead to big deductions. They, in turn, can add up to big savings. For others, the expenses are insufficient enough to claim in an itemized fashion. Thus, the standard deductions allowed are claimed instead. Unfortunately, the latter isn’t always as significant savings off the tax bill. You may ..read more
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The 9 Best Credit Cards for Dining Out
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
Everyone enjoys a night out once in a while. Maybe you are one of those people who dine out more frequently. Then, you could be in the market for a credit card that will reward you for making all of those expenditures. The credit card companies are always looking for ways to attract new customers to their credit cards. Thus, rewards programs have started to cater to individuals’ lifestyles with more specificity as of late. You can now earn more points, miles, or cash back when you pay with a credit card at your favorite restaurants. This has given gourmands and foodies, in particular, an oppor ..read more
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How to Determine the Value of Your Credit Card Rewards Points
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
There are many credit cards offering lucrative rewards programs to consumers — thus, it can be a tough challenge to decide which ones provide the highest value for the money you spend each month. Rewards are distributed as points or airline miles. They may then be redeemed toward booking travel reservations or buying merchandise. They may even be used in the form of cash or credit toward your statement. Cash back is another type of reward that many issuers offer to their clientele. However, there’s a difference between this incentive and the previous two. That’s because you can determine a har ..read more
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Should You Use Your Credit Card for Everything?
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
There are some consumers who always pay by credit card. They do it due to the myriad of perks that come with swiping at checkout. There are others who just like the convenience of not having to carry cash around with them. Credit cards have long been a reliable method of paying for purchases. However, it is never been easier to use plastic. There is so much business being conducted online. Thus, using a credit card has become an integral part of daily life. Yet, does that mean you should use your credit card for everything? For those who do not believe it is a good idea, they make some strong ..read more
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The 7 Best Gas Credit Cards
Banking Sense | Personal Finance Blog | Advice, Tips & News
by Scott Langdon
4y ago
There are so many credit cards out there, and choosing the credit card that is best for your spending habits can be a real challenge. There is one of the areas that consumers explore most closely in making their determination. It is the type of rewards that they may earn on their purchases with a credit card. Rewards programs have become the hottest perk in the industry. That is because consumers can earn points, miles, and cash back on their purchases with that credit card. No, this is not a new idea in attracting potential cardholders to an issuer’s card. Instead, it is grown into a lucrativ ..read more
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