Finance & Money Tips:
1) Contribute to a retirement plan
If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.
Submitted by: Darren MacLeod from Adelaide, Australia
Rated: 1 Times | Average Score: 9/10 | Rating Points: 5




2) Save on ATM Fees
Automatic Teller Machine (ATM) fees can mount up quickly if you use your ATM card at teller machines where a service fee is charged. Estimate the amount of cash you spend each week and consider withdrawing that amount from your accounts. Use your ATM cards only for an emergency.
Submitted by: Darren MacLeod from Adelaide, Australia
Rated: 1 Times | Average Score: 6/10 | Rating Points: 5




3) Protect your savings
Before opening a savings or investment account with a bank or other financial institution, find out whether the account is insured by the federal government (FDIC or NCUA). An increasing number of products offered by these institutions, including mutual stock funds and annuities, are not insured.
Submitted by: SteveSS from Chicago, United States
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4) Know your interest rates
Find out what interest rates various stores charge on their accounts. If your credit card has a lower interest rate than the store, use it rather than having an account at that store.
Submitted by: Mark Smith from Pretoria, South Africa
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