Remar's Report

Start an Emergency Fund or Pay Down Credit Card Debt

Which Should You Do First?

February 2014

This question is familiar to most consumers. It typically occurs each month when the credit card statements arrive. According to TransUnion, the average credit card holder owes just over $5000. And credit cards have relatively high interest rates, with current rates ranging from about 13% to 15.4% APR, according to Bankrate.com. So it would save money to pay this debt down as fast as possible, right? Wouldn't that be more important than saving a small "rainy day" or emergency fund? Not necessarily. Here’s why.

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Don’t Like Being Tracked Online? Here’s What You Can Do About It.

January 2014

I’m sure you’ve heard about businesses and advertising networks tracking our online activities. Why do they do it? Primarily, the trackers want to sell you goods and services or they want to sell your name to a third party that will target you with ads and offers. Like me, you may feel that such relentless tracking and information collection invades your privacy. Until recently, there was little you could do to stop or at least reduce such tracking. Now, a "Do Not Track" option may provide you with some ability to control this practice. This report provides more information tracking and about what you can do to avoid it.

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Tips for Wise Charitable Giving


December 2013

Americans are generous people. Each year individuals contribute billions to worthy organizations and causes. That’s about 80% of all charitable giving in the U.S. Unfortunately such generosity attracts fraudsters and profiteers. As a donor, you want to be sure that your charitable gift dollars are used wisely and responsibly by truly charitable groups.

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Buying a New Car? Sell Your Vehicle Yourself for More Money


October 2013

Would you prefer to pocket your vehicle resale profits by selling your car to an individual rather than trading it in at a dealership? If your vehicle is older, but nice, reliable and paid for, selling it yourself may make particularly good sense. Many people are looking for very affordable, reliable transportation. So you can take a vehicle that a dealer might give you just a few hundred or thousand for and make more money.

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Banking By Smartphone or Tablet? Make Sure You Do It Safely.


Do you use mobile banking? If so, you are part of the growing number of consumers who do. According to a March 2013 report from the Federal Reserve, 87% of the U.S. adult population has a mobile phone and 52% of those are smartphones. Of those consumers with smartphones, 48% had used mobile banking in the previous 12 months, which was up from 42% from the December 2011 survey.

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Don’t Let These Scams Steal Your Personal Financial Information


Thieves who want to steal your personal financial information and your money never sleep. Every day, hundreds of thousands of scam emails and phone calls target unsuspecting consumers. The following three scams are widespread right now. Here’s how to identify them and how to protect yourself and family members.

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