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7 Tips for Black Friday Shopping

November 16th 2016 by
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Black Friday is still technically only one day, but it has morphed into a whole different animal. Black Friday sales can be seen starting in early November and run past the actual day as well. Because of its evolution, your shopping strategy needs to adapt. Make a List Figure out who you need to shop for and what you’d like to get them. This will make it easier for you to determine what retailers you need to look at, plus shopping with a list makes impulse buying less tempting. Start Checking Your Favorite Stores Now Black Friday may still be…

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10 Tips to Stay Secure this Holiday Season

Posted in Security/Scams
November 15th 2016 by
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Identity theft and cyber crimes are becoming more frequent news stories. Unfortunately, the holiday season tends to see a peak in those crimes. In order to keep you information secure, it’s all about staying one step ahead of the criminals. Be Wary of Email Links Any email that asks you to click on a link and enter information about yourself should raise a red flag. During the holidays, scammers may send emails that appear to be promotions from big brand stores. They may ask you to enter your store card info for exclusive discounts and then take that information to…

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Is 0% APR Too Good To Be True?

Posted in Borrowing Money
November 10th 2016 by
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Promotions that boast 0% APR or 0% financing get a lot of attention. No one likes the idea of paying interest. So when you see a loan promotion (usually for autos) with that promise, you can’t help but wonder if it’s too good to be true. Bottom line: it is possible to have a loan with 0% APR. However, there is some fine print you need to look out for. What’s the length of the loan? Loans with 0% APR tend to be for shorter terms, which means higher monthly payments. You’ll need to make sure you can fit those…

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Debt Consolidation: Not A Silver Bullet, But Still A Good Idea

November 9th 2016 by
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Using a personal loan to refinance your existing debt can make your debt more manageable. You’ll have one monthly payment at one interest rate instead of many smaller bills due on different days of the month. Will personal loans work for you? 1.) Have I fixed the debt problem? Think about why you’re in debt. If a medical bill, job loss or some other temporary hardship describes your situation, the fact that you have a job or have paid the medical bill means you’ve solved the problem that caused the debt in the first place. If, on the other hand,…

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Is My Insurance Enough When Disaster Strikes?

Posted in Home Ownership
November 8th 2016 by
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Q: The news coverage of hurricanes Matthew and Nicole had me worried. What can I do to disaster-proof my home? A: Disaster preparedness is a big topic. Have supplies and an emergency plan on hand. The Federal Emergency Management Agency (FEMA) has a detailed guide for improving personal preparedness at Ready.gov. When it comes to your home, insurance may not always be enough in every natural disaster. Read on for three insurance pitfalls and what you can do about them. 1.) Natural disaster exemptions The pitfall: Many insurance policies specifically exclude natural disasters, or are very selective about the kind of…

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