Week One of Dave Ramsey’s Financial Peace University focuses on one of the most important things you can do to improve your financial health – saving. Saving is important because it forces you to spend less than you earn and change your financial habits in a positive way. Saving also gives you resources to fall back on, changing what would normally be a financial emergency to a financial inconvenience.

Super Saving: Common Sense for Your Dollars and Cents

How and why you should save

The how is a simple concept, even if it isn’t always easy to implement. Making saving a priority and pay yourself first. One w

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Henk Vermeulen of FNB who is their fraud specialist for credit card fraud said cards can be skimmed in three ways. The first is when the card is taken out of the consumer’s sight for transactions the card is skimmed then. The second is when con men place a device on the ATM machine to copy the card during while it is being used or the third being distracting them and getting their PIN. “When these statistics are taken into consideration, consumers have to be empowered with the knowledge to recognize fraudulent activities,” FNB said.

FNB said after March 2007, the estimated fraud was Rs8.5 million when compared with the March 2008 figure of Rs15.63 million. This

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The Hilton Honors Reward Program is a great program, but there are 4 major components that are crucial to comprehend before you can fully understand the program.

• Hilton encompasses 8 different hotel brands
• Points are worth far less than the industry standard 1 cent per 1 point
• There are 4 levels of status
• There are 3 different Hilton Honors credit cards, all of which are different

We explore each topic in detail below.

The Hilton Hotel empire – 8 different brands

HHonors points are good at many hotel brands owned by the Hilton Hotel empire. T

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Almost all of us have debt. We all want to get rid of that debt. The task of doing so can seem overwhelming, can’t it? However, debt elimination really involves taking a lot of simple steps. Here are 25 basic steps to getting rid of your debt once and for all.

1. Track spending. You have to know where your money is going if you want to be in control of it.

2. Make a list of all of the debt owed. Include who you owe, what amount you owe, what interest rate you’re paying and what your monthly minimum payment is. Keep a physical copy of this list where you can see it.

3. Cre

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One of the most exciting things about being a college student is practicing independence. Financial experts do advice that the best time to start building good credit is while you are still a student. Even with the changes to the credit card law, it is still easier for students to apply for their first credit card. If you are a student, what should you to build up good credit history? Below are tips:

1. Choose the right credit card for you. if you are under 21 years old, you can apply for a student credit card with help from a co-signer.

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