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What Is Your Payday Behavior?

May 26th 2016 by
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Researchers have discovered an interesting payday behavior: even though people set budgets, those budgets don’t stick when people receive their paycheck. Maybe you’ve noticed lines are longer on Friday? It’s not a heightened interest that’s drawing the crowd. When people feel like they have money, the budgets they adhere to on a regular basis don’t apply. Rich or Poor, This Behavior Doesn’t Discriminate When it comes to payday, everyone, no matter their income, tends to spend more money on things like clothes, entertainment, fast food and coffee when they have that “extra” cash. Studies on electronic payments revealed more than 50% of the population increases its…

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How Can I Know If My Too-Good-To-Be-True Deal is Legitimate?

May 25th 2016 by
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Q: I was shopping for a new handbag online and noticed a huge difference in prices between retailers. One had a bag for $20, while the other had the same for $200! The first option seems too good to be true. Should I be wary of that amazing deal? A: It’s possible, though very unlikely, that someone is selling brand name goods at a fraction of the price. It’s far more likely, though, that the cheaper goods are counterfeit. They’re made to resemble the original, but use low-quality materials and little or no quality control in the manufacturing process. Counterfeit…

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Teaching Kids About Financial Health

May 24th 2016 by
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Playing fun games with your kids to teach them about financial wellness can be important to developing good financial habits. You can use some games to help get your kids interested in investing, saving and spending responsibly. Pay Day Pay Day is a classic game surrounding money management. The game teaches children how to budget wisely and makes finances fun. Older versions of the game include insurance and savings options to offer further financial advice. ACT Your Wage! Dave Ramsey’s ACT Your Wage! Board Game is a fun way to introduce your children to important financial principles. The game is designed to teach children…

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Tackling Debt To Boost Your Credit Score

May 19th 2016 by

Paying off debt is important to boosting your credit. There are several factors influencing your credit score, and working on each one can help get you on the right track. High-Interest Cards Paying off cards with the highest interest rates first is very important to obtaining a better credit score, as these cards put you most at risk of getting buried in debt. If you pay those cards off first, you can reduce your debt risk and help your score rise. High-Balance Cards When analyzing your credit score, bureaus look at the amount of debt you have in relation to the…

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Adjustable Or Fixed-Rate Mortgage – Which Is Right For Me?

Posted in Home Ownership
May 18th 2016 by
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If you’re mortgage shopping, you may be overwhelmed by the number of options. Dozens of lenders, each with their own rates, terms, conditions and costs, can make the decision feel that way. But it doesn’t have to be that difficult! The choice of which mortgage to go with starts with a simple question: fixed-rate or adjustable? There are many different terms, points and rates associated with each, but narrowing your search to a category can really simplify the process. Fixed-Rate vs ARM As an overview, fixed-rate mortgages are the more traditional choice. You and a lender agree to a length…

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