Apple (AAPL) begins its Apple Pay mobile wallet service just hours before the company announces its quarterly earnings. There are some significant restrictions on the service, and it certainly wont hit the levels of revenue that the iPhone currently generates.

However, Apple Pay is a critically smart move. Not only does it diversify Apples offerings in an important way, but Apple Pay creates the foundation for a greater interactivity between the company and the rest of the world and an opportunity to make a lot of money.

Some large names in retail and banking have already signed on. Large banks and financial services companies initially supporting Apple Pay are American Express,...

MIDVALE, Utah, Oct. 24, 2014 /PRNewswire/ — Ally Bank, the direct banking subsidiary of Ally Financial Inc. (NYSE: ALLY), has been named Best Online Bank by Kiplingers Personal Finance magazine as part of its annual Best List (December 2014) cover story. Each year, Kiplingers chooses the top products and services in categories such as stocks, credit cards, travel, cars and more, including banks and deposit accounts.

In this years roundup, Ally Bank was cited for no minimum balance or monthly fees on its checking and savings accounts. The Bank was also recognized for reimbursing all ATM fees that other banks charge [nationwide], and Kiplingers suggests to use the banks mobile...

Review Greater individual control over personal finance is booming, with the British Bankers Association (BBA) reporting 5.7 million transactions a day are now made from smartphones. This is transformational stuff, but it’s not all about current account apps. Personal finance guru Jennifer Newton follows the money and finds the best apps for creative accounting.

There are thousands of money apps available on all platforms, but few are worth installing if not used regularly. Apps worthy of phone space should have practical functions and essentially simplify performing calculations or transactions and will produce results in a few taps and swipes.

Today, there are some parts of home to provide comfort for the various immigrant communities. An abundance of international markets have appeared, and Byaombe has taken full advantage of it.

“There’s an international market here that we enjoy,” Byaombe said. “We can go there, and I can find some food I saw many years in Congo. I say, ‘Oh, oh my god, this food is here.’ Then I enjoy it.”

Not every person has transitioned as well to his or her new living situation.

According to Mekonnen, it might take up to a year for immigrants to adjust to their current lives. Some of the challenges they face are setting their expectations too high...

6 On Your Side Consumer Investigator

KNOXVILLE (WATE) – It sounds harmless. All you do is sign your name and a friend or relative can get a much needed credit card.

Being a co-signer is not that simple.

Angela from Harriman asks: As a co-signer for my sons credit card, am I responsible if he falls behind on his payments?

Credit card co-signers often have a relationship with the wannabe card holder, but when you also sign your name to your friend, daughter or sons card, any debt on the new card is also yours, 100 percent.

If someone asks you to co-sign for a credit card, here are some facts you need to consider and know before you decide....

It was a monster they could manage, this six-figure debt. Two years ago, the Salvias, both lawyers in the Harrisburg, Pa., area, bought a two-story home with a fenced backyard for their purebred boxer, Mani. Theyâ??re putting finishing touches on a nursery for their first child, a girl, due this winter.

And theyâ??re paying off law school: about $300,000 in combined student loans.

â??Itâ??s just one of those things that come off the top,â? said Ralph Salvia, 35. â??Weâ??re fortunate to make enough money.â?

Salvia and his wife, Trisha, represent a sliver of student-loan borrowers who have found a way to refinance. Unlike many struggling student borrowers nationwide,...

Do you want to save more money, retire soon or pay down debt? Do all of these things sound good? Many people want to make financial changes and take charge of their money.

If you are looking for practical tips to improve your financial situation, attend the 12th Annual Fox Cities Money Conference on Saturday, Nov. 8, at Fox Valley Technical College in Grand Chute. The conference offers more than 20 separate classes for adults to choose from, including topics such as “How to Read Your Credit Report and Fix Your Credit,” “How to have More Month than Money for a Change” and “Feed Your Family Healthy Food without Going Broke.”

Matt Kadlec from...