Savings and Investments Articles

Lets you perform banking transactions anywhere and at anytime. By using a debit or ATM card at an ATM, you can withdraw cash from checking or savings accounts, make a deposit or transfer money from one account to another or perform other functions. You can also get cash advances using a credit card at an ATM. You should also be aware that many banks charge transaction fees - for using another bank's ATM.

If my card offers a grace period, does that mean my purchases are interest-free, even when I carry a balance from month-to-month? If I accept a pre-approved credit card offer, am I guaranteed to receive the card? If my insurance company does not pay medical bills for which I believe they are responsible, can I refuse to pay the bill and force the medical provider to collect from the insurance company?

Families talk about all sorts of things, but conversations about how to manage money often don’t make it to the top of the list. Whether you have children in your family or not, having regular and open conversations about each family member’s wants, needs, financial goals and means to attain those goals is important.

Identify and record the specific financial goals of all the members of your family, such as saving for a house or car, taking a holiday, sending your children to university, paying off debt or planning for retirement.

Keep information about all your cards—including account numbers, expiration dates, and card issuers’ telephone numbers—in a safe place at home so you can act quickly if a card is ever lost or stolen. Destroy any documents that might have account numbers or other personal information.