Asset Planning, Inc Blog

The latest from the team.

A Recent Survey Suggests You Can Save Money by Making One Simple Call

Most people assume that things such as, annual fees, interest rates and late fees are non-negotiable when it comes to credit cards. A new survey from creditcards.com is showing us that this is not the case. In most circumstances all you have to do is call your credit card company and ask. The survey asked 952 American cardholders and the majority received what they asked for. The problem is that hardly anyone asks.

Here are the results from cardholders who asked:

  • 87 percent received a late payment fee waiver.
  • 69 percent got a lower interest rate.
  • 89 percent received a higher credit limit.
  • 82 percent had their annual fee waived or reduced.

If you are looking for ways to reduce or eliminate fees on your credit card it doesn’t hurt to call and ask. The worst they can say is no. This can save you lots of money in the long run, if you carry balances on your cards, so it’s definitely worth a call.

Continue reading
  1633 Hits

Mobile Banking Security Tips

 

Mobile Banking Security Tips     

Whether using your phone or a tablet, mobile banking is a wonderful tool that gives you access to your financial world with a touch of a button. Almost all banks and credit cards now have apps that allow you to access your account information, make deposits, complete transfers and make payments directly from your smartphone. While we love the convenience of mobile banking it can also be a way for a thief to obtain your personal information if you are not careful. Here are a few tips to keep you secure while enjoying all of the convenience that mobile banking offers.

  1. Always download banking apps directly from the banks website or the app store.
  2. Never download banking apps on “jailbroken” phones. Phones that have been “jailbroken” or modified no longer have the operating system’s security in effect and are more likely to be hacked.
  3. Always secure your phone with a strong passcode and enable the auto-lock feature in case your phone is lost or stolen.
  4. Never use public Wi-Fi when logging into the app. That is a common way for hackers to get your personal information.
  5. Never respond to a text or email requesting your banking/login information. A real bank will never send a request for this info.
Continue reading
  1961 Hits

Checking Your Own Credit Score

 

Everybody knows how important maintaining a good credit score is. Having a good credit score will get you better interest rates on home mortgages, car loans and credit cards. Landlords and even employers are looking at this number when making decisions to rent/lease to you or hire you. With credit being such an important factor in life it’s crucial that you know what your credit score is and checking your own credit score does not impact your credit. Luckily for you there are many new and free credit monitoring services out there to help you do just that. So if your credit needs a little help, don’t despair, check out these free tools to help guide you on the path to great credit!

Creditscorecard.com

 

Creditsesame.com

 

Creditkarma.com

If you choose to sign up for one of these websites they will ask you for personal information to identify yourself to verify that it is in fact you signing up. These websites are all free monitoring services and they will not ask you for any credit card information. They will however send you marketing materials with offers based on your personal information. It seems like a small price to pay in order to be able to monitor and take control of your own credit. Good luck on your journey to overall better credit health!

Continue reading
  2049 Hits

Search Blogs Module

Wait a minute, while we are rendering the calendar
2018 IRA contributions credit cards Economic Security web address market turmoil emergency folder Ice Cream Social home checklists Open House wells Fargo cell phones insurance policies Independence Day July 6 clients show support earthquake app privacy settings phishing sites emergency kit estate planning direction retirement accounts ice cream event team members ID card fun atmosphere opt-out insurance policy cell phone SIM swap scam vacation Social Security Medicare Part B premiums offering insurance life saver fees tax season text messages records September 8 breach Fox News story Retirement Contribution Limits “ skimmer ”. Affordable Care Act ice cream DNA test kits estate June 29 Legal robocalls Amazon check lists asset Planning investment statements stock pile Orange County jury duty cell phone service provider 2017 Equifax breach identity thieves pet supplies scams phone companies contribution limit phishing scams business hours coronavirus spread credit score illiegal robocallers rescue organizations health care services D premiums paper records Joey Gonzales operations manager https ://seekingalpha tax records driver license home emergency preparedness kits settlement options July 4 California Lions Friends home security credit card fraud CERTIFIED FINANCIAL PLANNER exam pet relief efforts EEChecklist-Kits.pdf stockpilingchecklist.pdf summer Orange County Superior Court Kiplinger Letter April 18 2017. markets Treasury Department clone counterfeits house sitter water … media accounts Shred paperwork people medications vision screening policy earnings fallout Part B COVID -19 virus Erin Nelsen retirement planning trustee CFP ® retirement Kraig Mathias IRS deadline Mobile Banking Security Tips drive /usb cell phone provider Notary Public Roth IRA tax deadline toilet paper April 11 information 70 1/2. holidays approach 4 pm -8pm client portal hurricane Dorian Puerto Rico executive order identity theft 23 andme account numbers interest blog post credit freeze Flexible Spending Account student loans padlock partner /owner retirement plans Coronavirus Aid September 30 2020. July 3 rd flash drive chip-enabled EMV cards phone home mortgages fun facts birth certificates Brexit vote spam phone credit card company Labor Day portal app bottom line debt Part D premiums . 900 number payments privacy notices Two-Step Verification October 1 2020. pets non-prescripstion sunglasses tax deadlines FEMA website disaster areas borrowing money news coverage estate planning assets February 14 September 9 trust IRS https :// 401K home emergency kit family members increase cell phone carriers Medicare Part B self-help topics interest rates information Facebook donation items consumer spending IRA accounts cell phone carriers offer memorial Day weekend email notifications Victor Dergunov pet industry Charles Schwab January 10 Medicare question CA FTB April 15 years spring cleaning National Ice Cream month Medicare official certification 2017 TD Ameritrade National LINC Conference parking spots Medicare plan Open Enrollment Financial Planning Magazine company Wells Fargo customers TD Ameritrade tax returns Healthcare items Facebook profile 2017 IRA contributions stimulus package car loans pet donation drive integral member FSA clients Social Security Administration notary services Asset Planning Expired medications Auto insurance paperwork clutter Medicare Advantage card reader credit monitoring service Supplemental Security Income president Trump gap insurance banking emergency kits 20 year anniversary donation counts Federal Trade Commission website documents home break-ins VOIP landline phones money July weekend health care costs CARES Act prescription eyeglasses Wells Fargo employees tax filing deadlines