Credit cards are beneficial financial tools if used with caution, but they can also be the reason you end up in a financial crisis if you do not use them properly. Credit cards come with their set of pros and cons. A message like “minimum payment due” can entice you, but it is just for the time being. Credit cards carry rotating charges and can increase your financial worries every time you delay the payment. It is best to incorporate some practical tips to avoid credit card debt and maintain or improve your financial stability. The number one rule is to avoid or keep outstanding balances to a bare minimum. Accumulating credit card debt can worsen over time and may harm your credit score immensely. Make use of the holiday period A very effective tip to avoid credit card debt is to manage your credit card by taking maximum advantage of the holiday season. Considering the billing cycle and other factors, there will be a 50-day interest-free period on your card. So, avoid the financial setback by making planned purchases around the holiday period to avoid interest. Evaluate the billing cycle clearly This tip works in tandem with the first one and gives you a huge advantage when followed.

Many a time, you might not know all the features that go with checking accounts as banks don’t share all the details or don’t tell you about hidden fees, charges, or conditions attached. Apart from that, customers often get complacent about their checking accounts, simply because they’ve had them for years. Many people opened their first checking account as a student and used it through college and their working years, without giving much thought to updating themselves on any new features and facilities. Having said that, financial advisors or banks can give handy tips for optimizing your checking account. Mistakes you can easily avoid You could be making mistakes that cost you a significant amount every month, but these simple errors can easily be avoided. Here’s a list of the most common errors with regard to checking accounts, along with how to avoid them to optimize your account: Not staying on top of the balance available in your account This is especially risky if you’ve opted for direct/auto-pay facilities as overdraft charges can be exorbitant and can affect your credit history if you have large unpaid dues. An effective tip for optimizing your checking account is to keep a tab on your balance and ensure that you make payments accordingly.

There are many common myths about investing in the stock market. Here, we’ve debunked these myths while giving some important tips for stock investors to help them make wise decisions. Investing is like gambling Investing money in the stock market requires a lot of planning, research, and monitoring. Only those who have the patience to do this will succeed. Those who consider it to be gambling are sure to lose their money as they are impatient and only looking for making some quick bucks. Proper stock market investing is definitely not gambling. You cannot beat the market Most people believe that you cannot beat the stock market and loss is inevitable. This is not true. If you are trading for the short term, then beating the market is quite tough. However, if you are investing for a long period, for instance, five, ten, or 20 years, then your chances of success are very high. One of the most important tips for stock investors is following a disciplined approach in order to beat the market. Stock market investments are only for experts This is a common myth that holds people from investing. Most people believe that only those who are experts in maths and economics can work out how to invest in the stock market.

The tradition of watching cartoons or the animated show on TV is a habit children have adopted since the beginning. The types of entertainment also have changed according to the changing generations, audience preferences, and technologies as well. Online streaming channels are new-age entertainment sources. Disney+ is such an online streaming channel that is the entertainment source of new age children. Here are some must-see movies and TV from Disney+. Best Movies of Disney+ Disney+ is the online streaming platform of Walt Disney Company who changed the dimension of children’s movies that has worldwide acceptance until now. Some great movies of Disney available in Disney+ given below: 101 Dalmatians This movie was originally the product of Walt Disney company that had worldly acceptance as an animated film. The movie came to the silver screen in 1961. This was a story of some Dalmatian puppies and a villain named Cruella who wanted to make fur coats by killing these innocent puppies. This is considered to be the top of the list of must-see movies and TV from Disney+. Alice in Wonderland Alice in Wonderland is considered one of the most popular movies of Disney for many decades. The movie taken from the novel of Lewis Carroll was beautifully projected by Disney on the silver screen in 1951.

In the early 2000s, leasing was not a big slice of the auto business pie, but today, it constitutes almost one-third of all transactions for new vehicles. Understanding the pros and cons of leasing vs. financing a vehicle and making a choice between the two boils down to a purely individual decision. Some people have brand loyalties, while for others, it’s all about riding around in a new, deluxe, trendy vehicle that they can swap easily when the next best thing comes along. Either way, you need to clearly understand the pros and cons of financing vs. leasing a vehicle before you make the final decision. Why is leasing preferred by some people? Cars are a big-ticket purchase Auto costs have risen steadily over the years and a well-known brand can cost more than the average American can afford to spend on an outright purchase. Financing requires a 10% down payment, along with a relatively high monthly repayment rate. Someone looking for a low rate that fits into their monthly expenses may prefer to lease their vehicle rather than finance it. Dealerships offer both Vehicle dealerships have wised up to the fact that customers love options. They may experience a shock when the (usually variable and indexed) financing terms are explained to them and they realize what their monthly financial commitment would be.