I am delighted to announce that I am now a proud member of Amex – the exclusive society … J/k, but only half j/k…
Remember that gold/silver/green card featuring a Roman gladiator in the front that your boss draws out to pay for coffee? Ever heard of the rumored “black card”, a sign of status, that only the elite can afford? What do they all have in common? Continue reading I got Amex!!!
Today I was going to write the next post in the “credit report” series, but I saw something funny today.
I was taking the elevator down on my way to lunch when I ran into my boss, also on his way to lunch, carrying a piece of paper in his chest pocket. Continue reading Handling bills
You may notice my continual use of the terms ‘credit history’ and ‘credit report’. I cannot emphasize these enough; a good credit history is one of the most important pieces of your personal finance, and a credit report provides a snapshot of your credit history. So what exactly makes up a credit history, and what does a credit report display? Continue reading Overview of credit history and credit report
By now, I assume that you already have a credit card. If so, this post is intended for you. Continue reading How to use your credit card to build an excellent credit history
Happy Election Day!!! Before reading anything I post, please make sure that you have voted for whom you think should lead America in the next 4 years.
OK, down to business now.
My first 2 posts explained why you need a credit card and briefly described the proper way of using a credit card. Assuming that you’re convinced that you should apply for your first credit card, there are many ways you can apply. Here’s what I did. Continue reading How to apply for a credit card
If you have read my first blog post, you may find it tempting to apply for a credit card if you do not already have one. And you should. But I’d like to give you an overview of what exactly you’re stepping into.
So what is a credit card?
A credit card is a plastic card that … Wrong! This is not the right approach. Continue reading Credit card. What is it?
What is the first thing you should know about credit cards? YOU MUST HAVE ONE! Continue reading Personal Finance 101: Introduction to Credit Cards
Hello!
My name is Richard, and I am based in Seattle. I set up this blog to share with you my financial journey, my experience building a credit history, investing my income, dealing with banks, and basically anything having to do with personal financial management. I graduated from college last year (2011) as an international student, and along the development of this blog I will share experiences specific to international students studying in the US. While international students may find this blog most helpful, my targeted audience is everyone who is exploring the world of personal finance, and eager to learn about how to better manage their money.
I hope you find yourself in this financial journey, and as such may learn valuable lessons or wish to share your own stories. When you feel the urge please speak up, even just to say ‘Hey! I had the same experience’ or ‘I don’t think you did the right thing there. Here’s what I did/would do’ . A journey is not fulfilling without companions, and the more the merrier.
Hiep's Finance 