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Responsible Use Of Credit Or Debt Trouble? How To Recognize The Difference

Posted in Borrowing Money
March 14th 2017 by
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Debt may be a four-letter word, but it certainly has its place. A home mortgage, for example, is often necessary. Without the ability to borrow money to finance a home, most of us would be stuck renting, because who has hundreds of thousands of dollars for such a purchase? And a credit card with a reasonable rate and a manageable balance can help keep your credit score up and even provide rewards. However, debt does have a dark side. And it’s important to know when your use of credit is a good thing, as well as when it’s time to cut back…

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Are You Part of the Credit Invisibles or Unscoreables?

March 9th 2017 by
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If you do not have any credit history with one of the credit reporting companies (Equifax, Experian, TransUnion), you’re considered to be “credit invisible.” The Consumer Financial Protection Bureau estimates about 26 million people fall into that category, which comes out to one in ten adults. Then there are people with little or insufficient credit history, which comes to about 19 million. These people are considered “credit unscoreable.” Together, that’s 45 million people who may not have access to the credit they need, or about 20% of the adult population. How Credit Reports Work You aren’t finished with report cards after…

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Debt Settlement: Pros and Cons

Posted in Borrowing Money
March 8th 2017 by

If you feel like you’re drowning in debt, then debt settlement may seem like an appealing option. Debt settlement involves working with your creditors to settle your debt for less than you owe. Creditors are often willing to settle because debt collection agencies will purchase the debt for less than the balance anyway. And if you declare bankruptcy, they might not get anything. But what’s in it for you? And what are the drawbacks? How Debt Settlement Can Help Debt settlement relieves you of your debt without having to declare bankruptcy.  It’s a one-and-done deal and you have a clean…

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It Costs How Much To Get Married!?

March 7th 2017 by
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According to a new report by a leading wedding magazine, The Knot, the average American wedding cost has eclipsed $35,000. That’s more than half of the yearly median income! Most of that spending isn’t on lavish luxuries for bride and groom – it comes from the guest list. Couples are inviting more people and doing more for them, trying to create an unforgettable experience for their loved ones. If you’ve got an event planned for the coming year, read on. Your bill doesn’t need to be that extreme. Here are five ways to save on the cost of your big…

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Boost Your Mobile Banking with These 5 Apps

March 2nd 2017 by
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Mobile banking can make life easier with convenient features like mobile check deposit. You can take your digital banking to the next level by downloading personal finance apps. Gone are the days of time-consuming planning and paper cluttering your desk! Level Money This app connects with your bank account and provides a suggested daily, weekly and monthly spending limit. The app bases its suggestion off of your income and recurring bills, and will incorporate a savings plan as well. LearnVest This app can act as your virtual checkbook. You can link all your accounts together to track spending and input…

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