The Ultimate Guide to Credit Cards
Wednesday, November 20, 2019

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Understanding Credit Cards: A Beginner’s Guide

Understanding Credit Cards: A Beginner’s Guide

Similar to your first job, car or apartment, your first credit card is an important milestone on your journey from youth into adulthood. To do adulting right, you'll want at least one card in your own name. While you can manage your personal finances without any cards, you'll find life in the grownup world is much easier with them. Cards can help you shop online, rent a car, book an airline ticket, reserve a hotel room, set up cellphone service, and more. Cards for beginners... read more »

Charlie: An AI-Based Chat Platform that Helps Consumers Save Money, Create Goals, and Make Better Financial Decisions

Charlie: An AI-Based Chat Platform that Helps Consumers Save Money, Create Goals, and Make Better Financial Decisions

In a Nutshell: Charlie is a chatbot-based penguin that learns the personal money habits of users and serves up advice and notifications to improve their financial well-being. The platform works via text message and through a web interface and doesn’t require an app or software download. Users submit data anonymously, and Charlie keeps track of balances, creates financial goals, and answers financial questions in a pressure-free environment. Chatbots rose to prominence several years... read more »

MoMath: The National Museum of Mathematics in NYC Helps Adults and Children Better Understand the Universal Language Behind Finance

MoMath: The National Museum of Mathematics in NYC Helps Adults and Children Better Understand the Universal Language Behind Finance

In a Nutshell: New York City’s National Museum of Mathematics (MoMath) has welcomed more than 1 million visitors since its grand opening in late 2012. The Museum provides a fun and engaging atmosphere for adults and children alike to develop a love of math. The institution hosts regular events and programs that cater to a wide variety of demographics — from toddlers to CEOs. And it fosters new ways of thinking about how math affects our everyday lives — and what it makes... read more »

What Is a Credit Card Utilization Rate?

What Is a Credit Card Utilization Rate?

The world of credit is filled with countless terms and acronyms that you probably will not hear in normal conversation. One such term you’re likely to come across when reading about credit scores is “credit card utilization rate” or, more formally, “revolving utilization ratio.” For the purposes of this article, let’s agree to refer to it as your utilization ratio. Although utilization ratio may sound confusing on the surface, it’s actually not at all difficult to... read more »

The BusyKid App Helps Parents Teach the Value of Work and How to Manage Money

The BusyKid App Helps Parents Teach the Value of Work and How to Manage Money

In a Nutshell: Today's kids tend to experience money as plastic, not as physical cash, which makes it harder to teach them that money must be earned and managed for the future. The BusyKid app is fixing that. BusyKid lets parents assign chores to their children and compensate them every week as if they were receiving a paycheck, automatically allocating portions of the funds for saving, sharing, and spending. BusyKid is a convenient way for parents to teach their children to manage... read more »

6 Smart Money Moves for Couples

6 Smart Money Moves for Couples

Money and romance don’t always mesh. In fact, fights over finances are often the main cause of tension in a partnership and can lead to resentment and breakups. Considering most people find managing their own personal finances stressful, it’s no surprise that throwing another person into the mix can make things more emotional and complicated. In fact, a survey on relationships and personal finances from LendEdu found that around 50% of individuals reported finances to be the... read more »

RBC and ACCES Prepare Immigrants for Employment and Financial Success in Canada

RBC and ACCES Prepare Immigrants for Employment and Financial Success in Canada

In a Nutshell: Canada is currently a top destination for employment for a globally mobile workforce. But newcomers may discover finding a job to be a bigger challenge than they may have assumed based on the employment gaps. Longtime partners Royal Bank of Canada and ACCES Employment have announced a new webinar series to help new immigrants to the country prepare for the job hunt — and for life in Canada. The interactive events will educate newcomers before and after their arrival,... read more »

Best-Selling Author Randy Gage Helps Entrepreneurs Unleash Their Critical Thinking by Looking Toward Future Trends in Business and Finance

Best-Selling Author Randy Gage Helps Entrepreneurs Unleash Their Critical Thinking by Looking Toward Future Trends in Business and Finance

In a Nutshell: Everyone has heard a good rags-to-riches story, but Randy Gage actually lived one. Jailed at 15 for armed robbery, Gage managed to turn his life around over the next four decades while studying the proven principles of prosperity. Today, he shares his knowledge through his best-selling books, public speaking engagements, YouTube channel, and podcast. His latest book, "Mad Genius," is a manifesto for entrepreneurs on how to unleash their creative genius and critical... read more »

The Council for Economic Education Provides Resources to US K-12 Teachers that Aim to Raise Student Financial Literacy

The Council for Economic Education Provides Resources to US K-12 Teachers that Aim to Raise Student Financial Literacy

In a Nutshell: Only 43% of 12th-grade students tested at or above proficient on the 2017 National Assessment of Educational Progress (NAEP) economics assessment. That startling lack of financial literacy among young adults is one of the reasons the Council for Economic Education (CEE) exists. CEE was founded shortly after World War II and has spent nearly seven decades providing US K-12 teachers with professional development opportunities and classroom resources designed to help... read more »

From Games and Comics to Financial Literacy Guides, Visa’s Practical Money Skills Program Educates Canadians of All Ages

From Games and Comics to Financial Literacy Guides, Visa’s Practical Money Skills Program Educates Canadians of All Ages

In a Nutshell: Taking advantage of modern technology, popular credit card network, Visa, is working to make learning about money more accessible and interactive. With its Practical Money Skills program, Visa offers a range of financial education resources designed to motivate and inspire, from adult-geared guides and tools for key topics, including budgeting and mortgages, to its child-friendly comics and video games, like FIFA World Cup™ Financial Soccer and Peter Pig’s Money... read more »