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How the average person can save money quickly and easily

4 Credit mistakes you will regret

Credit  Mistakes you will regret   If I had it all to do again… Have you ever played that game? Frankly it isn’t one that you should play all that often. There are a few lucky people who have regrets “but then again too few to mention” ala Frank Sinatra. But most of us have made more mistakes than we care to chronicle, even in our mind. Doubtless you have made some of these financial mistakes that you would take back if you could. If you are young enough not to have made these mistakes then count yourself among the lucky. Credit Card Debt: “Free money. No, really. It works! You buy things, and no money at all comes out of the bank. You get your stuff…WITHOUT PAYING FOR IT. Yeah, you have to pay it off but you...

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6 Expensive Credit Card Balance Transfer Mistakes

Start Making Smarter Credit Card  Balance Transfer Moves Using a balance transfer to lower your interest rates and fees can be a great way to cut your credit card expenses if you do it correctly. Unfortunately there are many credit card balance transfer mistakes that can greatly increase your credit card bills. Some of these mistakes are very easy to make because most people are not aware of them. Here are a few actions you must avoid when you decide to transfer your  credit card balance, avoiding them can give you all the benefits of a lower interest credit card: Top Credit Card Balance Transfer Mistakes Missing a payment –  Most of the 0% interest offers out there will automatically end if a payment is missed. These days, a payment can be considered missed if it is one day...

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Why We Debunked 7 Credit Card Myths

  There are tons of credit card myths floating around, we deal with 7 of the worst offenders.  Credit cards are like many other financial instruments in today’s world—what you don’t know about them will hurt you. To make matters worse, a lot of the things you probably believe about the plastic in your wallet are dead wrong. To help you get a handle on your debt and use your cards properly, we will try to debunk some of the most popular myths out there. Understanding why these popular ideas are myths can give you more control over your finances.   The Big Credit Card Myths and Why They Are Myths Credit card rewards are always a good deal. Reward points that you will not or cannot use, such as airline rewards for a person who rarely flies, are...

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The truth about the importance of credit history

The importance of credit history is widespread especially in the finance sector.  A poor credit track record may be costly to a consumer since it causes their insurance payments to drive up, increases their monthly payments and makes it difficult for them to acquire phone or cable services. Potential employers and landlords may also require the consumers’ credit history. Credit refers to the provision of resources by one party to another whereby the second party will pay later under an agreed upon scheme or payment plan. Credit history is a record of a consumer capability and responsibility in repaying debts. It mainly consists of : number and types of credit accounts, how long each account has been opened, amounts owed, amount of available credit used, whether the bills are paid on time, number of recent credit inquiries and information...

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Top Secrets for Maximizing your Savings

Secret Tips for Maximizing Your Savings We have come up with some great tips on maximizing your savings and everyone  knows that he or she should be saving money, but many of us don’t save and one-fourth of Americans have no savings at all, you do not want to be one of those, saving for that great holiday or dream car can be easy if you focus on a few easy steps. Simply setting up a savings account and pledging to put money aside is not enough. One must get into the habit of saving and do it in such a way as to build up the largest amount of savings possible. Here are some basic strategies for building up a good nest egg: Pay yourself first. Most people fall into the trap of putting money into the savings...

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How Could the Ebola Virus Affect My Finances?

How Could the Ebola Virus Affect My Finances? The spread of Ebola outside West Africa could prompt turmoil on global financial markets on a more prominent scale than the 10 years ago SARS outbreak, economists have predicted. Besides lost lives, the disease is managing an extreme financial hit to both governments and families. Shut borders and deserted farms are driving up food expenses, leaving numerous individuals in rural regions hungry and in extreme need. Crisis spending on health administrations is drawing cash from almost cash-strapped governmental budgets, and the pandemic could turn upside-down years of economic success made by many developing nations and affect, ultimately, the developed world. In this case, governments, investors, businessmen, and even regular people out there should ask this question: how could the Ebola virus affect my finances? And in order to find out the...

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