I'm thinking about getting this card: http://usa.visa.com/personal/cards/prepaid/visa_gift_card.html?it=l2|/personal/cards/prepaid/gift_card_faq.html|Visa%20Gift%20Card If you have one, do they charge you every time you make an online purchase with it? Is there any other fees? I couldn't find that on their website...

I am studying abroad in Arezzo, Italy from January-June 2009. I am looking for a new credit card that doesn't charge international transaction fees or at least has a low, low rate. Also, if there is one that has a zero-percent balance transfer offer that would be great. Thanks for the assistance!

OK< so here's the deal. I have been working with my family for about 7 years now I'm 30 and have a 1 year old. Back in 1989 my parents bough an apartment building and I have been running things for the most part since 2004, my dad is 93 and I help care for him with my mom who is still acting CEO, she's in her 60s. For my day to day work I earn $ 1,500 a month, I live rent free, and pay nothing but my car insurance, my few credit card bills (currently only about $ 2,000) and my life insurance. So While I only earn $ 18,000 a year, I also don't pay the usual bills. I have a unique living situation to say the least. Recently I revolutionized our business which is earning us a lot more income. Basically I took 4 apartments aside and started a corporate housing venture. We are now putting those earnings from that venture into a seperate account. My mom and I made a savings account in a small local bank, it's so small and crappy they don't have debit cards and only have 2 branches, so it's a great place to keep money without dipping into it. Currently it only has about $ 17,000. All of that is from the new venture, and made between August of last year and today, but I started the business last April with just one apartment, and have opened 3 more units for the venture, not to mention we have dipped into that money for some emergency repairs. Hopefully this translates in even greater earnings this year. Perhaps we can make up to $ 40,000 in just savings from those new units this does not include savings we usually put aside from our regular rentals, That $ 16,000 is shared with my mom and we are thinking of putting it into a money market, BUT, my own savings are a different story. I figure I can put $ 1,300 per month away in savings from the $ 1,500 I earn into a personal retirement fund. I just opened a 529 for my son in Chase bank with $ 1,000 and will be putting about $ 260 in that every month. I will be going to Vanguard to open a Roth IRA putting the max in every year. Those two savings come to $ 8,120 plus I have a vacation fund which I'll be putting $ 3,500 into every year (just a passbook savings account) which leaves me with $ 3,980 per year to play around with. My question is, is this $ 3,980 enough to play around with so that I can make a nice amount of cash for my future? Or is it a tad anemic? Keep in mind the ROth IRA and the 529. THanks for any help. I only have $ 5,000 in my personal savings right now TOTAL (includes 1,000 in 529), and I will be getting about $ 4,000 as a refund soon so will use that to open my Roth IRA, hopefully before April 18. And the next 5k little by little over the next year after April 18.

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I'm thinking about opening a student credit card. (please no answers on how I shouldn't get one) and I am reading over the terms and conditions. It states that the grace period for the Citi Student card is 20 days. Does that mean that I get my bill after 20days? Or, is it the standard 30 days like any other credit card? If the grace period is different, what is it? Thanks!

i am refinancing my current auto loan. i have a lot of equity in my car, so i was told that if i wanted to, i had the option of using that equity in my car to pay off a current student loan and consolidate it into one with one interest rate. my student loan amount is around $ 7,000 with 12.5% interest. the interest rate is lower on the auto refinance loan, and i would have it payed off in a shorter period, plus it's a fixed rate so i am guaranteed it won't raise over time. my question is, would it be a smart decision on my part to use the equity in my car to do this? it sounds a lot better to me having the lower interest and having this paid off in 4 years rather than the 10 more i have to pay on it, but i'm really unsure which move to make. someone out there that is smart in this kind of thing please give me some input on the advantages, or disadvantages to using my equity for this. thanks in advance!

On TV, there are many companies that say they can reduce our tax, such as reducing $ 12000 to $ 3000, and so forth. Are they real, and who can qualify for it? Must I have financial hardship? What if I have other asset such as car or house (in mortgage), then can I qualify? (I do owe credit cards for about $ 28000 from previous balance transfer offer they gave me). And also, do we need to declare bankruptcy or will it affect our credit scores? Thanks very much!

I have two loans, plus past due car insurance that is due in less than two weeks, I have been job searching and put applications in everywhere, even if I get a job I won't get paid enough to pay all past due bills, plus I have past due credit cards. I don't have any family and really bad credit what can I do. Debt consolidation won't help because i don't have quite enough debt. Please only leave helpful answers i'm at the end of my rope My cell phone is also due and i can't shut it off because than I can't get calls for interviews oh and also I owe the bank $ 500 within 30 days.

from ATM? I have student mastercard and it says: Cash advances 3.0% handling fee, minimum £3.00. I have only took £20 [on online purchase] out of it..so how much on average would they charge me just for ONE DAY.....MAYBE EVEN A AN HR JUST! i just need to put that money into another account and take it out after.. Representative 18.9%APR (variable) based on a Credit Limit of £350