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Home > > Bank of america credit cards offer extended warranty

Bank of america credit cards offer extended warranty

After youíve been using Quicken for while and have been balancing your account regularly, you will only irregularly have trouble reconciling it.

However, if you are just getting started, you may have trouble getting your Quicken account to balance. For that reason, let me offer some suggestions for balancing a Quicken account thatís causing you trouble.Check for missing transactionsAccount balance trouble stems from only three causes: Reason 1: You cleared a transaction the bank hasnít recordedReason 2: You forgot to record a transaction, or perhaps several transactionsReason 3: Either you or your bank bank of america credit cards offer extended warranty incorrectly recorded a transactionTherefore, when you find yourself with reconciliation troubles, first make sure that you are not missing some transaction. Go through the bank statement line for line, comparing each of the transactions listed there with the contents of your account register. If you find the bank statement lists a transaction that your Money account register does not, then you need to record it in Money.Confirm you havenít incorrectly cleared transactionsOnce you confirm that the Quicken account register includes all transactions, verify that you have not incorrectly cleared transactions that are still outstanding. To do this, thoroughly review the Quicken account register and make sure that each transaction marked with a ďCĒ does, in fact, appear on the bank statement.Compare amountsIf the two reviews described in the preceding paragraphs donít explain the difference between your records and the bankís, you need to check the actual transaction amounts that you have recorded against those shown in the bank register. In other words, if the bank register shows a check to your mortgage company for $500, you need to make sure that your account register also records the check as $500.Unfortunately, it is easy to incorrectly record cards offer of credit america extended bank warranty transaction amounts in the Quicken account register. All it takes is pressing the wrong key. And, in fact, two data entry errors are particularly difficult to see: transposition errors and sign errors.Watch for transpositionsTransposition errors occur when you transpose, or flip-flop, the numbers in an amount. If you write a check for $123, but record the check as $132, for example, youíve transposed the 2 and the 3. And this error is hard to spot later. You look at the bank statement, for example, and see the digits 123. Then when you look at the account register, you see the digits 132. Unless you are looking not just at the digits used but also at their order, you may miss this error.Watch for sign errorsSign errors occur when you enter a deposit as a withdrawal, or a withdrawal as a deposit. All this really means is that you have bank of america credit cards offer extended warranty entered some transaction amount in the wrong column. Again, this error is sometimes tough to spot because the transaction appears both on the bank statement and in your registerójust in the wrong column in the Quicken register. If you come up with some difference with your records and the bankís that is irreconcilable, try dividing the error by 2. Then look for a transaction equal to this result. For example, if you have a $200 error, divide $200 by 2 to get the result $100. Then look for a $100 transaction that is entered in the wrong column.Know the errors reconciliation wonít catchThere are several common errors that account reconciliation wonít catch. Reconciliation wonít catch when you forget to record a transaction and the transaction hasnít yet cleared the bank. If you forget to record a check and the check is still outstanding at the end of the statement month, for example, the check doesnít appear in your register and it doesnít get listed on your bank statement.Another kind of error that a bank reconciliation wonít catch stems from entering a fictitious transaction in the account register. For example, if you enter a check in the Money account register that you never wrote or a deposit you never made, the check or deposit will never clear the bank. Unfortunately, there is not much you can do to find these sorts of errors. Mostly, you need to apply simple common sense to prevent them. In the case of forgotten uncleared transactions, your only recourse is to be careful in your record keeping. Try to establish a system whereby you regularly record the checks you write and the deposits you make.2

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DID YOU KNOW?

Starting a home buying process means answering a lot of questions: How much of a mortgage can you afford? How are your cash reserves? How's your credit? What size house do you need?

The more questions you ask in advance, the smoother the process will be later on. So let's look, then, at one of the key questions from this list.

How's Your Credit?

As part of the home buying process, you need to take a good, hard look at your credit situation. Try to do this a few months before beginning your home search to prevent delays later on. Start by ordering copies of your credit report.

Credit reports are maintained by three credit agencies: Experian, Equifax and TransUnion. These agencies maintain any and all information pertaining to your personal credit -- payment habits (including late payments), bankruptcy and other issues.

Your credit score is based on the information in your credit reports, which come from the three aforementioned agencies. Three agencies, three reports, three credit scores ... all about you!

Get copies of your credit reports from all three agencies and review your scores. Fair Isaacís -- the organization that actually converts your credit reports into credit scores -- has a website where you can order all three credit reports at once: www.MyFICO.com. Hereís a quote from the home page of that website:

"FICO scores are your credit rating. Most lenders base approval on them. You have three FICO scores, one for each credit bureau, and you can only get all three from myFICO."

The MyFICO website also explains how to interpret your credit score, what the score means to lenders, and what you can do to improve your score.

Donít be surprised if you find an error. It happens from time to time. To correct an error, contact the reporting agency directly. And donít delay -- it may take several months to completely correct the error and remove it from your report.

When looking towards retirement many people just think about the joy of not having to work anymore. Unfortunately, even though a person retires they still have bills to pay. The need for careful planning is perhaps the most overlooked part of retirement. Having a set plan in place before retirement will help to ensure the golden years are golden.

The following list gives some great points on how to plan for retirement.

1. Save money. Before retirement setting up a savings account or 401K will get a person prepared for life without a steady paycheck. A 401K is usually sponsored through an employer where the employer matches contributions the employee makes. Money put into a 401K also goes untaxed which can mean immediate savings. IRAís are also another way to save for retirement. These accounts are also not taxed.

2. Determine your expenses after retirement. A person should have a fairly good idea what monthly expenses they expect to have after retirement. Having a rough idea will help a person determine how much they need to save to be able to make it. Then considerations also need to be made for special purchases like cars and trips.

3. Working after retirement. Many people chose to take on a part-time position after retiring. Most often it is to supplement their income, but for others it is a way to socialize and gives them something to do with all the spare time they now have. If a person is not planning on working anymore at all then they should have some idea what they do want to do with their time. Many retirees find that retirement can be boring after years spent in the work force.

These three points will give a person something to think about when planning for retirement. Getting a good financial plan is the first step. It is also important to consider what life will really be like once the daily work schedule is gone.










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