Quick Credit Cards

By now, most people either use Twitter to communicate online, or at least know what Twitter is. What you might not know is that Twitter founder Jack Dorsey is now out to release technology that could drastically change the credit card industry.

Enter SquareUp.com, a program operated by Dorsey’s new venture, Square, that allows users to make and accept payments with their Apple iPads. It’s billed as a simple, secure way for money to change hands, whether you are paying or getting paid. Simply download the free iPad app and enter your mailing address when prompted. You’ll be delivered a tiny plastic device to attach to your iPad that allows you to swipe a credit card, and the transaction is processed via the company’s Web site. Over ti

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Lesbian sex, abortion, gay marriage and … credit card debt.

That mixed bag of hot-button topics is just a small sampling of what’s in Esquire’s “Survey of American Women,” released in the May 2010 issue. The just-for-fun study complied the results of about 10,000 women who took the men’s magazine survey online between Feb. 4 and March 3, 2010.

Most of the questions centered around relationships (If you knew you wouldn’t be caught, would you cheat?), sex (If you were or are a lesbian, what celebrity would you sleep with?) and plain old hawtness (Who’s the best looking man in America? Hint: See picture above.) But readers also got a small peek at the financial habits of today’s Esquire-reading women.

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What a week. This Wednesday, the U.S. stock market surged and hit major milestones it hasn’t reached in nearly 19 months. Those of us with investments were finally able to do a happy dance! Very appropriately, the cover of this week’s “Newsweek” issue says, “America’s Back!” It seems that things are finally on the upswing.

Meanwhile, this Thursday was probably the most dreaded day of the year: tax day. Most of us were scrambling to make sure our returns were filed and payments submitted before the clock struck midnight. I was actually quite happy on tax day for the past two years as I received a refund of around $2,000 each time.

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If you want to work your way to financial freedom, you have to start it right and settle all your unpaid balances in your credit card accounts. This can be difficult at first because credit card interest rates get in the way. Your debts increase because your unpaid balances earn interest every month. It makes it more difficult to finish payment, much more to save.

You cannot settle all your payments overnight but there are ways to negotiate for better terms with your bank so that they could lower your credit card interest rates and you will be able to settle your bills faster.

Of course, you also have to think of ways to cut down on your credit spending.

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