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<title><![CDATA[tanwin's Feedbite]]></title>
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<description><![CDATA[tanwin's latest posts.]]></description>
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<lastBuildDate>Sat, 11 Feb 2012 23:30:44 -0500</lastBuildDate>
<item>
<title>Teaching Children To Save Money</title>
<link>http://reducecreditcarddebtstips.blogspot.com/2012/01/teaching-children-to-save-money.html</link>
<pubDate>Sun, 22 Jan 2012 15:19:00 -0500</pubDate>
<guid>http://reducecreditcarddebtstips.blogspot.com/2012/01/teaching-children-to-save-money.html</guid>
<description><![CDATA[Ch?ldr?n c?n l?arn about money ?? earl? ?? ag? tw?. Th?? w?tch ?? ?ou p?y f?r things, ??ther w?th cash or an ATM card. ?h?? l??rn constantly and money management can b? incorporated ?nt? everyday events. R?memb?r th?t sh?rt lessons ?r? b??t ?? preschoolers hav? ? ?h?rt attention span.More on how to teach children to saveYour childr?n ?re watching ??u. Setting ? go?d ???mpl? will likely pr?v?de the strongest lessons ?? ?ou ?r? aware ?f th? messages th?t you ?re sending about money. ?er? ar? s?m? fun ways to teach your young child about coins and money.Sort Coins b? ColorBegin b? differentiating pennies fr?m silver coins. Pennies ?r? easily understood a? ch?ldr?n l??rn h?w t? c?unt. Practic? counting ?ut 10 pennies at ? time.Sort Coins by SizeAs your child gets older and understands m?r?, w?rk ?n the d?ff?r?nc? ?f th? silver coins b? grouping the coins by ??z?. ?v?n th?ugh ch?ldren l?arn th? sizes, learning th?t a dime i? worth mor? th?n ? nickel ?s ? h?rd concept for v?ry young children.PretendPractice by pretending to b? ? bank and exchanging money ?n th? d?ff?rent denominations. An?th?r pretend g?m? t? pr?ct?ce ?? t? operate ? st?re wh?re your child c?n bu? hi? ?wn toys.Recognize OpportunitiesKeep your eyes ?p?n f?r moments th?t c?n reinforce your teaching. Buying groceries, cl?th??, ?r eating at a restaurant and leaving a tip ?r? ?ll gr??t opportunities t? ?xpl?in t? your child wh?t ??u ?r? doing and wh?. Th? be?t learning opportunities ?r? ju?t regular day-to-day activities.Use ? Piggy BankIntroduce the concept ?f ?om? sort ?f container that ?s onl? used f?r saving coins. Y?u m?y want t? c?n??der ? cl??r container ?o it's ???? f?r your child t? ?e? h?w much ?? ?n hi? piggy bank. Periodically, op?n ?t and c?unt th? coins. L?t th? child ??? h?w it growsUse ? Coin Counting MachineIf th? child ?s older, c?n??d?r buying an inexpensive coin counting machine. Unloading th? coins from th? piggy bank i? a fun w?? t? pract?c? sorting and counting. You c?n ?l?? teach th? relationship ?f th? d?ffer?nt coins.Introduce Pap?r MoneyOnce your child ha? mastered coins, ?t ?? t?m? t? introduce p?p?r money. In ? child's ???, coins ?r? pr?b?bl? m?re valuable th?n pap?r money. ?ver tim? they'll beg?n t? und?r?tand th? relationship.Use Money Related ToysA toy cash register i? ? gre?t gift for ? thre? year ?ld t? pr?ct?c? learning about money. You c?n als? emphasize th? v?lue ?f toys wh?n at th? stor?. ??ch t?m? your child sees ??m?thing h? thinks h? wants, p??nt ?ut h?w much ?t ?? and h?w m?n? coins w?uld ?qu?l that amount.Kids don't r??lly l?k? to save money. ?h?? w?nt th? things that money buys m?r? th?n the g??d f??l?ng of future financial security. ?? g?t th? ?d?? ?f saving money t? ?t?ck w?th your kids, ?t ?h?uld b? p?rt ?f ? larger lesson about the valu? ?f money and b??ng ? smart consumer. ?h?s? m?y be h??vy subjects f?r ? young child, but th?r? ?re ???? ways to put th? lessons ?n t?rm? they can underst?nd.<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5383940538484189412-3513674671237389710?l=reducecreditcarddebtstips.blogspot.com' alt=''...]]></description>
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<title>Moving Expense Deduction</title>
<link>http://reducecreditcarddebtstips.blogspot.com/2012/01/moving-expense-deduction.html</link>
<pubDate>Sat, 21 Jan 2012 15:50:00 -0500</pubDate>
<guid>http://reducecreditcarddebtstips.blogspot.com/2012/01/moving-expense-deduction.html</guid>
<description><![CDATA[You ?r? moving t? ? n?w t?wn t? t?k? a j?b. It i? going t? c??t m?n?? to m?k? th? m?v?. ?h? question th?t ?hould c?m? t? ??ur m?nd ?s wh?th?r ??u c?n deduct an? ?f thi? stuff.More on moving expense deductionMoving Expenses - What Can You Deduct?If ??u ?r? moving t? ? n?w location seeking employment ?r becau?? ??u hav? ? job, y?u c?uld b? in luck. Yep, ??u c?n deduct ?om? ?r ?ll of your expenses.First ?nd foremost, y?u h?ve to m??t ?ome basic tests issued b? th? IRS. ?r? you moving mor? th?n 101 miles? If y?u ?r? taking ? p??it??n w?th ? c?mp?n?, d? y?u ??p?ct t? l?v? in th? n?w ar?? for ? ???r ?nd work ?t l???t 39 weeks dur?ng that year? If ??u are self-employed, d? ?ou intend t? l?v? ?n the n?w ?r?? f?r tw? years ?nd work ?t le??t 78 weeks during th?t time? S?nce ??u c?nn?t r?ad the future, y?u c?n m?k? ?n educated gues? th?t y?u w?ll d? s?. If ??u c?n r??d th? future, pl???? contact m? immediately. I h?v? ??m? stocks I would l?k? t? discuss with you.Assuming ??u h?v? met the IRS tests, ??u can now claim moving expenses ?? tax deductions. So, wh?t ???ctl? doe? that mean? W?ll, ??u c?n deduct the costs associated w?th packing up ?nd physically moving y?ur stuff fr?m her? to th?r? including truck rentals, moving companies, boxes and ?o ?n. You c?n ?lso includ? shipping costs for cars ?nd pets. You c?n ?v?n deduct ? ro?m rental ?n th? da? y?u l??ve ?n ??ur ?ld town ?nd th? day ?ou arrive ?n th? n?w one.When ?t comes t? ?ctu?ll? shipping ??ur??lf from p?int ? t? p?int B, the IRS gets ? bit cheap. You c?nnot deduct ?ny meals. None. Nada. You can, h?w?v?r, deduct costs associated with physically traveling ?nd sleeping. ?h?r? ?? n? logical r????n ?s t? wh? ??u c?n deduct tr?v?l ?nd accommodations, but not meals. Welcome to the w?rld ?f tax.Finally, ? f?w crafty taxpayers h?v? managed to g?t th?m??lv?? ?n hot wat?r ?v?r ?n? issue. ?h? IRS nev?r l?t? a taxpayer double dip. If an employer reimburses ??u for ?n? of y?ur moving expenses, ??u d? n?t g?t to claim th? ??m? expenses ?? a deduction! Trust me, y?u d? not w?nt t? b? sitting ?n front ?f ?n IRS agent trying t? ??pl??n th?s ?n?. ?h? ?nl? exception t? this rul? ?? ?f the employer gives ??u ? payment ?n advance t? cover the m?v?. S??d advance ?s taxable income t? ??u, ?? y?u can deduct ??ur expenses ?g??n?t it.Are ??u sufficiently confused yet? If n?t, ke?p ?n mind th? ?b?ve discussion ?nl? relates t? federal taxes. ??n? states w?ll ?l?o ?ll?w y?u to deduct c?rtain moving expenses. ?h? b?d news ?? e?ch ?tate seems t? calculate it differently!<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5383940538484189412-5836395126324903499?l=reducecreditcarddebtstips.blogspot.com' alt=''...]]></description>
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<title>About Mortgage Payment Protection Insurance</title>
<link>http://reducecreditcarddebtstips.blogspot.com/2012/01/about-mortgage-payment-protection.html</link>
<pubDate>Fri, 20 Jan 2012 15:30:00 -0500</pubDate>
<guid>http://reducecreditcarddebtstips.blogspot.com/2012/01/about-mortgage-payment-protection.html</guid>
<description><![CDATA[Cheap mortgage payment protection insurance c?n com? ?n ??v?r?l forms. ?her? are diff?rent ways to protect your h?m?, and ??u n??d t? decide wh?t makes ??n?? f?r ?our needs and finances. ??r? ?r? s?m? ?f ??ur options, ?nd ??m? tips ?n finding affordable coverage.There ?? dwelling protection ?? homeowners insurance, ?nd ?l?? mortgagee insurance ?r credit lif? insurance th?t w?ll pay off the mortgage ?n the cas? ?f d??th ?f the homeowner. ?n? ?f the newer forms ?f mortgage payment protection ?? ? t?p? ?f unemployment insurance pl?n th?t w?ll pay ?ut ? cash benefit ?f ??m??n? becomes unemployed. With the ?tat? ?f the economy m?r? p??pl? ar? getting worried ?bout mortgage payment protection insurance. Peopl? are having ? h?rd ?n?ugh time paying the?r basic mortgage payment. ?t the ??me t?m? the ne?d f?r cheap mortgage payment protection hasn't b??n th?? high ??nc? the depression.Cheap Mortgage Payment Protection dur?ng Predatory Lending OverhaulDuring the predatory lending overhaul, ?t wa? determined th?t the single premium credit l?f? insurance policies profited the insurance companies exponentially b?c?u?? of the rare claim filings. ?hes? single premium payments w?r? m?d? ?t the closing t?bl?. The average payment w?s ?r?und $450.?h?y ar? n?w b??ng phased ?ut. The mortgage unemployment insurance programs ?r? becoming popular ?n l?ght of the current economic situation.??n? states l?ke Utah ?nd Georgia offer forms ?f mortgage protection. In f?ct, the Utah plan offers fr?e mortgage payment protection f?r the fir?t ??ar wh?l? the premiums f?r y??r tw? ?nd beyond ?re $200 p?r ?e?r ?nd collected w?th the mortgage payment. Ch?ck with ??ur ?tate f?r availability.Mortgage payment protection ?? sold through banks, credit unions, ?nd insurance companies. N?w m?re companies ar? going public ?nd directly t? the consumer w?th ?t? advertising. Th?? bodes w?ll f?r m?n?? conscious consumers.Locating ?nd comparing providers online ?? ?n? gr??t option. Y?u can tr? both c?mpan? websites, and independent sites th?t offer quotes fr?m ??v?r?l providers. Comparisons c?n b? m?d? ?n m?n? ?f th?s? sites. In?t??d ?f going site t? site to obtain quotes, ??m? websites will giv? ??u comparison rates.<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5383940538484189412-5553083318773091259?l=reducecreditcarddebtstips.blogspot.com' alt=''...]]></description>
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<title>Money Management For Kids</title>
<link>http://reducecreditcarddebtstips.blogspot.com/2012/01/money-management-for-kids.html</link>
<pubDate>Fri, 20 Jan 2012 12:20:00 -0500</pubDate>
<guid>http://reducecreditcarddebtstips.blogspot.com/2012/01/money-management-for-kids.html</guid>
<description><![CDATA[D?d ??u kn?w th?t the average college student graduates w?th $4100 ?n credit card debt? Th?? d?e? NOT ?nclud? tuition and books. N?w i? ?n excellent t?m? t? teach money management tips t? your h?gh school student t? ensure responsible spending when th?y l??v? th? nest ?nd enter college.More on money management for kidsMy fir?t tip ?? t? op?n ? checking/savings account f?r ??ur kid. ?h?? w?ll ?llow th?m t? ?tart t? l?arn th? basics ?f money management. ?an? institutions offer ? service th?t notifies y?u via email ?r text message ?f th? account falls bel?w ? c?rt??n balance. S?t th? threshold h?gh en?ugh th?t ??u don't g?t caught w?th overdraft fees. Y?u w?nt t? teach ??ur kid h?w t? manage money - but y?u don't w?nt ?t to c??t YOU money! If ??ur kid falls b?l?w th? threshold - charge h?m ?n overdraft fee.Next, I w?uld ??t h?m up w?th ? debit card. It's oft?n d?ff?cult to manage money wh?n ??u are abl? t? withdraw funds anytime ??u w?nt. Plus, th? balance ?h?wn ?t th? ATM ?s n?t alw??? up-to-date. It ?s imp?rt?nt f?r ?our student t? under?t?nd th?t checks writt?n d? n?t post immediately. ?l??, ATMs can charge withdrawal fees. Plus, mo?t ga? stations w?ll ?ll?w overdrafts if ?ou p?y ?t the pump, but w?ll n?t accept ? debit card ?n?id? ?f th?r? ?re insufficient funds. All of the?? scenarios can caus? th? inexperienced money manager t? overdraft th??r account. ?g??n, chose ?n institution th?t notifies ??u wh?n the balance ?? l?w - ?o ??u can teach the lif? lesson w?th?ut paying f?r it!Another strategy th?t c?n b? implemented wh?l? ??ur student ?? st?ll in h?gh ?ch??l ?s to cr??t? ? budget. ?ow much d? th?? earn ?t th??r part-time job? ??w much d? they anticipate receiving f?r holiday and/or graduation gifts? Wh?t ar? their expenses? ?nc? ??u cr??te th? budget, m?k? ? p??nt to revisit th?? budget ??ch month ?nd revise ?s needed. ?h?? revision pr?ce?? will ?ll?w ??u t? h?lp ??ur kid b?gin t? plan f?r b?g expenses (college books) and decide how much to put ?w?? each w??k ?n savings.Utilizing th??e tips w?ll assist ??ur student ?n becoming a bett?r money manager and hopefully k??p them from adding t? th? growing college student debt. It ?? ?mp?rt?nt to r?m?mb?r th?? ?? a pr?c???. Budgeting i? ? learned skill. ?h?re will b? bumps ?long th? w?? - but the ??p?r??nce w?ll pay ?ff ?n the ?nd.<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5383940538484189412-6754670340266387772?l=reducecreditcarddebtstips.blogspot.com' alt=''...]]></description>
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<title>Credit card interest rate jumped to 30%! Why?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958770&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fcredit-card-interest-rate-jumped-to-30-why%2F</link>
<pubDate>Wed, 22 Jun 2011 03:41:14 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958770&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fcredit-card-interest-rate-jumped-to-30-why%2F</guid>
<description><![CDATA[My husbands Washington Mutual credit card jumped to 30% interest.  We have never been late on a payment and we pay way more than the minimum in order to pay it off.  Right now the equilibrise is 3.00 (which I am paying off tomorrow).  My husband phoned the company and asked to [...]<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958770"...]]></description>
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<title>Can I stop the interest on a credit card by canceling the card?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958771&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fcan-i-stop-the-interest-on-a-credit-card-by-canceling-the-card%2F</link>
<pubDate>Tue, 21 Jun 2011 06:06:27 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958771&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fcan-i-stop-the-interest-on-a-credit-card-by-canceling-the-card%2F</guid>
<description><![CDATA[The interest rate has risen 10% and it&#8217;s over the limit. Can I stop the interest and over the limit fees, by just canceling the card?<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958771"...]]></description>
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<title>CHASE CREDIT CARD:interest rate?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958772&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fchase-credit-cardinterest-rate%2F</link>
<pubDate>Sun, 19 Jun 2011 06:06:03 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958772&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fchase-credit-cardinterest-rate%2F</guid>
<description><![CDATA[I’ll apologize in advance for the length of this…..I applied for a equilibrise transfer with my bank. My chase credit card has a large interest rate so I thought it would be good for me. I only knew it was approved because about 3 weeks after I applied for it I received a call from [...]<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958772"...]]></description>
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<title>We get monthly payments for property that we sold.Can we get a lump sum payment to pay off credit card debt?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958773&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-debt-help%2Fwe-get-monthly-payments-for-property-that-we-sold-can-we-get-a-lump-sum-payment-to-pay-off-credit-card-debt%2F</link>
<pubDate>Sun, 19 Jun 2011 06:04:40 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958773&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-debt-help%2Fwe-get-monthly-payments-for-property-that-we-sold-can-we-get-a-lump-sum-payment-to-pay-off-credit-card-debt%2F</guid>
<description><![CDATA[We get monthly payments from an office building that we sold a few years back&#8230;We are in debt to our ears in credit card debt.Can we get a lump sum payment from someone against these payments to pay off our debt?<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958773"...]]></description>
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<title>How does credit card interest work?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958774&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fhow-does-credit-card-interest-work-6%2F</link>
<pubDate>Sat, 18 Jun 2011 08:30:25 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958774&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-interest%2Fhow-does-credit-card-interest-work-6%2F</guid>
<description><![CDATA[Forgive me for being clueless, but no one in my individualized life can get me to comprehend how exactly a credit card works. I&#8217;ve searched fruitlessly on the world wide web for answer, but they still me lost. So hopefully someone here can help me. First off, I have no prior experience with credit, so [...]<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958774"...]]></description>
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<title>Is it an FDCPA violation to contact relatives and threaten legal action for credit card debt?</title>
<link>http://xfruits.com/tonwin/?id=72059&amp;clic=766958775&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-debt-help%2Fis-it-an-fdcpa-violation-to-contact-relatives-and-threaten-legal-action-for-credit-card-debt%2F</link>
<pubDate>Sat, 18 Jun 2011 08:28:03 -0400</pubDate>
<guid>http://xfruits.com/tonwin/?id=72059&amp;clic=766958775&amp;url=http%3A%2F%2Freducecreditcardsdebts.com%2Fcredit-card-debt-help%2Fis-it-an-fdcpa-violation-to-contact-relatives-and-threaten-legal-action-for-credit-card-debt%2F</guid>
<description><![CDATA[Without her permission, a collection bureau harassed my wife&#8217;s parents, threatening legal action against my wife and discussing her debt issues with them. After then being told not to speak to them, they continued to call her parents about it.
We have no recorded conversations or messages, just the testimony of her two parents.
We are now [...]<img alt="" src="http://xfruits.com/tonwin/?id=72059&amp;s_item=766958775"...]]></description>
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