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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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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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Good Ideas, Bad For Credit: How Your Responsible Choices Can End Up Hurting Your Credit Score

October 25th 2016 by
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Q: I’ve had some trouble with credit in the past, but I’m trying to turn over a new leaf. I think I’m doing everything right, but my credit score still isn’t rising! What gives? A: Credit scores can affect you more than you know. Employers look at credit scores. Landlords look at credit scores. Bill providers look at credit scores, and they might decide to charge you if yours gets too low. With all this pressure, you’ve no doubt started working on some good habits for improving your credit score. You pay your bills on time, are sure to not…

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4 Tips for Paying Off Your Debt While Building Wealth

October 20th 2016 by
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Let’s face it: most of us have debt. The PEW Charitable Trust reports about 80% of us do, and, sadly, most of us also believe debt is a necessity. While certain debt may be a necessity, such as a mortgage, ALL debt should be considered temporary. And there is still plenty you can do to build your wealth. Think you need to make the big bucks for this to be true? You don’t! The American Consumer Council put together a short video with financial planner Kim Curtis on how to pay off debt while building wealth: Here’s what to do:…

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Don’t Sleep On Your Savings: Avoiding Dormant Accounts

September 28th 2016 by
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The best things to do with a savings account is to forget about it and let it earn dividends. However, don’t forget about it so long that it becomes dormant. A dormant savings account is one with a low balance that has had no deposits in a while. While exact criteria varies in each state, generally accounts with less than $50 that have been inactive for more than 2 years are considered dormant. All dormant accounts cost financial institutions money; they’re required to keep records of the account and send statements. Often, those statements are returned due to incorrect addresses…

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