ACA Open Enrollment Ends Today. Review Your Options Before Being Locked in for 2018. Read More

Reply
Info Seeker

Re: ATM Smart Savings Sweepstakes

4,078 Views
Message 21 of 662

Forget about using commercial banks.  If you haven't already, open accounts at a reputable  credit union.  CUs offer great rates and lower fees.  My CU does not charge ATM usage fees when I use their machines or any ATM machines on their broad network of partner CUs and banks.  Loan rates and personal service are much better at my CUs also.

Report Inappropriate Content
Bronze Conversationalist

Re: ATM Smart Savings Sweepstakes

3,952 Views
Message 22 of 662

If you will be traveling overseas, first check out your credit cards for the amount of "foreign transaction fees"; I have one card that doesn't have ANY of these fees, so that's the only one I use overseas.

 

Report Inappropriate Content
Conversationalist

Re: ATM Smart Savings Sweepstakes

4,266 Views
Message 23 of 662

If the ATM machine asks you to enter your pin number again don't do it, and it means thieves installed a reader to steal your information so they can steal all the money in your account.  You should use an ATM machine located inside the store, and try to avoid the ones outside.   It is harder for thieves to place scanner in it, and he or she can be seen doing it. 

Report Inappropriate Content
Info Seeker

Re: ATM Smart Savings Sweepstakes

4,227 Views
Message 24 of 662

Set up an IRA or Roth IRA. Deposit the maximum allowed as soon as possible in every year. If you haven't started one yet, look into "catch-up" contributions.

Report Inappropriate Content
Bronze Conversationalist

Re: ATM Smart Savings Sweepstakes

4,514 Views
Message 25 of 662

Take a lot of time planning for your retirement.  Plan both for your financial needs and what types of things you want to do in retirement.

Report Inappropriate Content
Info Seeker

Re: ATM Smart Savings Sweepstakes

4,703 Views
Message 26 of 662

Unless it's a true emergency, don't spend money (especially money you don't have!) on things you don't need. This means using a credit card to get rewards, but paying it off every month so as not to pay interest; buying new (or preferable used!) cars, appliances, etc. only when you truly need to replace the old and not every time a new model comes out; sticking with basic TV/cable and cellphone plans instead of paying for features you never use; buying groceries and cooking instead of eating out; buying generics instead of name brands; etc. and so on. It's amazing how much you can save by simply subverting the dominant consumerist paradigm!

Report Inappropriate Content
Bronze Conversationalist

Re: ATM Smart Savings Sweepstakes

4,658 Views
Message 27 of 662

Hang on to your cars.  Buying all of the time wastes money.  My cars are 12 and 8 years old.  Have not had payments for a long time.

Report Inappropriate Content
Info Seeker

Re: ATM Smart Savings Sweepstakes

4,603 Views
Message 28 of 662
You don't have to give up your car to use public transit, drive to the bus/train stop, save gas and bring work/reading with you. When you get to your destination, you won't be paying or worrying about parking! Less likely to get into a fender bender or have to deal with bad traffic. You get exercise walking near the stops.
Report Inappropriate Content
Conversationalist

Re: ATM Smart Savings Sweepstakes

4,617 Views
Message 29 of 662

F A

Report Inappropriate Content
Info Seeker +

Re: ATM Smart Savings Sweepstakes

4,496 Views
Message 30 of 662

Buy items at estate sales.  You can often find nice things for less than what you would pay for new.

God and Country, Richard.
Report Inappropriate Content