Got Savings? Why Not?

cfa_america_savesEver been stressed over an unexpected expense? Ever been out of money? Tired of being broke?

Right Now, "America Saves" gives you an easy plan to start saving money and stop stressing.

Why Now? America Saves week is February 25-March 1. Can you think of a better week to start?

Do This: Check out the "America Saves" website. Make a pledge to yourself, set a savings goal, and start saving now. You've been meaning to do that, right?

Head to: Pledge to Save

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Have You Checked Your Credit Report Lately?

If not, you should. A new FTC report finds that 1 in 5 consumers may have an error on at least one of their 3 credit reports that could affect your credit score. Consumers typically have a credit report at each of the big credit reporting agencies (CRAs): Equifax, Experian, and TransUnion. You should check each one at least once a year. You can receive a free report from each CRA once a year through AnnualCreditReport.com. By staggering each of your free reports throughout the year, you can check your report every four months for errors or possible fraudulent activity.

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Will You See a Credit Card Surcharge at the Checkout?

As of January 27, 2013, merchants, online and off, can add a surcharge to every purchase made with a Visa or MasterCard credit card. They can't add the surcharge on debit card purchases. Note that state laws in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas prohibit or restrict credit card surcharges.

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What Will the Fiscal Cliff Agreement Mean for Your Finances?

Late on New Year’s Day the Congress agreed and passed a bill that would maintain Bush-era income tax reductions for 99% of Americans. However, the bill did not extend the temporary reduction in payroll taxes for Social Security and Medicare [FICA] enacted two years ago to stimulate the economy. So a majority of Americans will pay an increase up to these restored rates. Although all implications of the bill for ordinary taxpayers is not yet clear, the following information and analysis from a variety of sources may provide you with a clearer picture.

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Beware of Scammers Exploiting Tragedy

Scammers are taking advantage of the tragedy in Sandy Hook. Some are collecting donations in memory of the victims, others are benefiting from fake Facebook pages.

Appeals for donations may come through email, websites, and social media. Some appeals may even come over the phone.

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Season Greetings

outtro-1Happy Holidays from the FoolProof Team to all of you! Click here to see our special video.

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