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Free College Education Exists As high school seniors begin making plans to go to college, the financial reality of it all begins to set in for their parents Sure, it's usually pretty easy for students and their parents to get approved for college loans to pay for whatever you can't pay upfront - but does anyone really want to graduate with tens of thousands (or more) in college loans Using a Credit Card For All Purchases Without Going Into Debt Using a credit card instead of writing checks for everything you have to pay for during the month is tempting If you could use a credit card, and knew that you wouldn't wind up in debt up to your ears, wouldn't you like to Taking Responsibility For Your Credit Cards In numerous cases, credit card companies issue cards to customers who may be deemed, risky In many cases they do so at a higher interest rate Tips For Avoiding Bankruptcy Bankruptcy is a process governed by federal laws that will cancel many of your debts through an order of the court It does not cancel ALL types of debt, however, and that is important to note before filing – if the bulk of your debt is unable to be canceled, will it really help you or simply cause your credit score to take a further dive and continue to haunt you for at least 7 years, if not more How Much Money Do You Need to Retire? It's amazing to me how many of us go through our working years without too much thought of how we'll live when we retire Thing is- we want to be able to stop working at some point and enjoy our retirement years, but the only way to do that is to be financially prepared Not All Debt Consolidation Programs Can Rescue Your Financial Situation While debt consolidation almost always helps people get control over excessive, high interest debts, there are actually instances when it doesn't offer much relief The general idea of debt consolidation is terrific: smash all of your debts into a single account, and somehow pay less per month and pay it off quicker How to Create a Household Budget If you don't have an actual “budget” in place for your household, you may be completely scared whenever you hear someone say they're “making a budget” Typically, the people who would most benefit from having a budget are the ones who are most afraid of the idea Year Round Organization Saves Time and Money at Tax Time Many people experience the “tax season rush” that occurs every April They've waited until the last minute to look for essential paperwork, and then the actual filling out of the required tax paperwork takes much longer than expected Using a Home Equity Loan to Pay Off Credit Cards The majority of Americans carry some sort of credit card debt Unfortunately, many of us carry so much debt at such high interest rates that it becomes difficult to make a difference in the amount we owe, even when we send a payment to the credit card company each month Are 0% Balance Transfer Offers Really Free? Paying off credit card debt with 0% interest is a dream come true – which is exactly why a large number of credit card companies offer the promotions They know it will attract new customers who have debt with other credit card companies to transfer that debt to their cards 6 Things You Don't Know About Credit Cards By law, credit card companies have to disclose their fee schedules to consumers The trouble is, the calculations of these fees and finance charges are often found in the fine print of the account disclosure statement you receive when you first open your credit card account The Three-Digit Number That Controls Most Of Your Life Some people will tell you there are three little words that can completely change their world While “I love you” may be the most emotional phrase in the English language that will cause people to do things they wouldn't do otherwise; there is a three digit number that contains amazing power over our lives Understanding Frozen Credit Credit freezes are often confused with fraud alerts, but they are really nothing similar A fraud alert is when new creditors are alerted that you may have been the victim of fraud, and the creditor is required to take additional verification steps that prove they should be accessing your credit and opening an account for you before they can issue the credit Becoming Mortgage-ready Millions of Americans want to become homeowners If you're like most people, you don't have the cash available to go out and buy a home; so you'll need to obtain a mortgage in order to buy a house 11 Reasons Why You'll Want To Live On A Budget To some people, budget is a 4-letter word When used correctly, a budget is a tool that helps you know where you're going and how you're getting there financially Skip The "Skip Payment" Act Of Kindness From Your Credit Card Lenders The “skip-payment” option is quickly becoming a marketing tool for credit card lenders It was often available to cardholders who called the credit card company to express concern over making a payment; but now it's become something that's literally offered to cardholders by the credit card lenders themselves Debt Collections: How To Pay Off Accounts In Collections Next to bankruptcy, having an account in collections is the worst entry you can have on your credit report It will lower your score, and make it difficult- if not impossible- to obtain new credit Use The Statute Of Limitations Of Debt To Your Advantage Debt collectors do not have an indefinite period of time to continue trying to collect payments from old debts There is an “expiration date”, called the Statute of Limitations, that prevents debt collectors and/or the original lender, from pursuing you for the rest of your life on old debts Can Your High School Student Have A Credit Card? Most credit cards designed for students were created for college students – but can a high school student get a credit card The short answer is: YES 7 Reasons Your Small Business Needs A Credit Card With more than 600,000 new small businesses started each year, it's safe to say that the dream of being a successful business owner is a strong one If you are considering starting your own business, or are already the proud owner of a business- here are 7 reasons why your small business needs a credit card: 1
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