It’s never too soon to start preparing for the future, especially when it comes to money. If there isn’t college to think about there’s your home. If there isn’t your home, there’s your retirement. If you have the privilege of not needing to worry about any of them, you should still have a rainy-day fund. There will always be something that you need to prepare for. But as much as the wise voices around you can say “be prepared” they don’t tell you how.  [Read more…]

Everyone is used to the fact that the credit-card is a universal instrument of access to the account. You can use it to withdraw cash from an ATM, pay in a store, buy something on the Internet, or transfer money to a friend. But in fact, there are a huge number of other ways to use plastic cards. Some of them are very practical, while others only make you smile. [Read more…]