saving money techniques

Credit Card Dispute WHAT HAPPENS?

2009-03-12T19:41:00.000-07:00

Question
There was a charge on my account. I disputed it. Even though I had the card still in my possession they told me that it is being reported lost or stolen and that they would issue a new card. Ok, what happens next? Do they go to the merchant and investigate this? If they find that I didn't use the card does the person that used it get into trouble? What I think it was is that a so called friend used my credit card while I was there to buy her medication at the pharmacy. Now I can't prove this but the next time she picks up her prescriptions will they bill her for the charge? Just curious about what happens next.

Answer 1

1) if you dispute a charge on your credit card, the credit card company will check to see if it was you.

They'll do this by asking the merchant (with whom the item was bought) for more information. If they are happy it wasn't you, then the merchant will need to pay. If they think it was you, you'll need to pay.

2) If they find you didn't use the card and they have it on CCTV or other evidence that it was your friend, then yes she will get into a lot of trouble. It would be fraud. She's buying something and she expects someone else to pick up the tab! It will be reported to the police.

3) If it was your friend, you could be liable as you were not careful enough with your credit card. You would also be liable for knowing who it was who made the transaction and not notifying the card company. For all the credit card company knows, you could be in it together.

4) You'll get a new credit card issued so if your 'friend' trys to pay next time, using the old credit card, it will be invalid.

I think it's time to stop hanging out with this friend.

answer 2

for your info if u do credit card dispute the bank will investigate your report and aby for that time they will give temporary credit .. if the investigate is found that is not cheat u will got fully refund back if yes u do it they will cas certain amount but i think less than $20 . btw please check with your credit card bank issue for this matter tq

saving money techniques

2008-07-13T07:19:00.000-07:00

ever you thinking about saving money techniques? actually have a lot of saving money techniques in our life but people do not know the techniques and dont want thinking about it. saving money techniques is very important in our life because it will give much advantage for short and long term. below i has listing some saving money techniques after i do some research in the internet
and reading a book.

First Saving money techniques
For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.

*Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings.

Second saving money techniques
Establish a timeframe. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.

Third saving money techniques
Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your timeframe until you come up with an approachable amount.

Fourth saving money techniques
Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as: Rent, Car insurance, Car payments, Phone Bill, Cable Bill, Utilities, Gas, Food, Entertainment, etc.

* Keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
* Sit down once a week with your small notebook and receipts. Record your expenses in a larger notebook or a spreadsheet program.

Fifth saving money techniques
# Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $300 on ice cream, $100 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.

* Can you move to a less expensive apartment or house? Can you refinance your mortgage?
* Can you consolidate your debts so that you're not paying as much interest?
* Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
* Can you drop a land line and only use your cell phone?
* Can you live without cable or satellite TV?
* Can you cut down on your utility bills?
* Can you restrict eating out? Buy food in bulk? Cook more at home? You might be able to save a lot of money on food.

Sixth saving money techniques
Reassess your savings goals. Subtract your expenses (the ones you can't live without) from your take-home income (i.e. after taxes have been taken out). What is the difference? And does it match up with your savings goals? Let's say you've decided you can definitely get by on $1500 per month, and your paychecks amount to $2300 per month. That leaves you with $800 to save. If there’s absolutely no way you can fit all your savings goals into your budget, take a look at what you’re saving for and cut the less important things or adjust the timeframe. Maybe you need to put off buying a new car for another year, or maybe you don’t really need a big-screen TV that badly.

Seventh saving money techniques
Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")

Eighth saving money techniques
# Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.

*
If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
* Credit cards are not inherently evil; it's all about your self control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them. But the reason most credit card companies make money, however, is because people end up spending money that they don't have. Unless you are one of the people who can religiously pay off the balance in full every month, you're better off foregoing the promotions that credit card companies use to lure you in (cash back, introductory APR, airline miles, and so on).

ninth saving money techniques
Open an interest-bearing savings account. It’s a lot easier to keep track of your savings if you have them separate from your spending money. You can also usually get better interest on savings accounts than on checking accounts (if you get interest on your checking account at all). Consider higher-interest options such as CDs or money-market accounts for longer savings goals.

Tenth saving money techniques
Know where your money is. And how much of it, too. If you accidentally overdraw your bank account, you will incur hefty bank fees; worse yet, the place you paid with that check may slap a bounced check fee on top of that, and send the check in again, resulting in a second overdraft fee from the bank! So just a few cents missing to cover that check could result in over $100 in fees. To avoid that, you should always know how much money you've got in your account(s), so you never cut a check for more than what you have.

Eleventh saving money techniques
# Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever’s left over at the end of the month. Deposit savings into an account (or your piggybank) as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every check in a savings account. If you get a check or sum of cash, say 710.68, move the decimal point one place to the left and deposit that amount: 71.07. This works well and requires little thought; over several years, you've a tidy sum in savings. Over decades, you'll be a millionaire.

* You can set up an automatic transfer from your checking account to your savings account.
* Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
* You can also have investments for retirement taken directly out of your pay, and the taxes may be deferred with this option.

Hopefully u will get some knowledege after read this information for this research article about saving money techniques

please see the video below suggestion to save money

Regards,
saving money techniques

explaination about ( saving money techniques )

2008-07-10T09:07:00.000-07:00

saving money techniques is neither a science nor an art; rather it is somewhere in between and requires your commitment and hard work. saving money techniques is within your control and can bring you huge benefits. saving money techniques is akin to earning more money, something most of would love top do. saving money techniques is easy for some of us. saving money techniques is one of the most important things you can do for your future, along with getting a good education.

Saving

Savings Strategies: If your surplus income each month isn't enough to meet your savings goals, you're going to have to figure out some creative ways of saving more money. SavingGenerally, "saving" can be best defined as a way of seeking topreserve the assets that you have built up over time. saving money techniques is neither a science nor an art; rather it is somewhere in between and requires your commitment and hard work. Saving money takes time to develop, needs to be learnt, and brings benefits that will endure for the rest of your life. saving money techniques is within your control and can bring you huge benefits. saving money techniques is akin to earning more money, something most of would love top do. Saving You will need to decide where and how to save your money. saving money techniques is easy for some of us.

Tips

So, if you're ready to start saving money, the tips and suggestions in this guide will help get you started on the path to financial responsibility. While each person should come up with their own list of savings strategies, here are a few for you to consider:Lending Tree: 5 Tips to Save Money Every DayMSN Money: 7 Radical Ways to Save MoneyPueblo. Have any great tips on How to Save Money. This is the place for practical tips and tricks for how to save money. free tour about us free newslettermonthly tipsspecial offer. Consumer information can be at your fingertips with bad credit loan sites that feature handy guides. Get the facts about our money saving tips newsletter, budgeting articles, frugal living ebooks, and more. about us free ezine ebooks monthly tips instant access travel season rates.

Budget

Unless, we are on an extremely tight budget or are very money conscious for other reasons, many of us have never really sat down and considered what our money is being spent on. Step 1: Make a BudgetThe first thing that any good financial expert will advise you to do when setting out on the path to savings is to make a budget. An accurate budget will allow you to identify all of your necessary expenses, which in turn will give you the ability to calculate exactly how much you can afford to set aside for savings. Here are some simple steps for setting up your budget:Time Frame: Before you start your budget, you will need to decide on the time frame that you will use. Is yours going to be a monthly budget, a quarterly budget or a yearly budget. Income: The first thing that you'll need to do when coming up with your budget is to figure out exactly how much income you have coming in. Expenses such as utilities, gas, food and entertainment may change from month to month, so the best way to figure them into your budget is to come up with a monthly average for each one.

saving money techniques is about having enough money to go out and enjoy quality time with your children before they grow up and move out on their own. saving money techniques is a good way to prepare for the unexpected. saving money techniques is a little like a rgime or diet, it has to be followed strictly for any effect to be noticed. saving money techniques is only the first step -- then you have to hang on to it. saving money techniques is never easy, especially when the economy demands that you spend all of (or more than) what you make. saving money techniques is not that hard, just a matter oflearning all the different options and being creative.