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The Right Way to Use a Credit Card

Credit cards, like most of life’s conveniences, can be tools or traps — depending upon how you choose to employ them. Remarkably, some people will actually pay more for an item with a credit card — even before you factor in the interest charges — than they would if they were paying cash. It’s as if […]

Pros and Cons of Being Self-Employed

The entrepreneurial spirit is a much-admired trait. Some of popular culture’s greatest heroes are self-made people. Oprah Winfrey, Warren Buffet, Jeff Bezos, and Diane Hendricks all made their money working for themselves. One of the most significant advantages of self-employment is that the sky is the limit when it comes to your earnings. There’s also […]

Keel Associates Discusses How Debt Consolidation Affects Your Credit Score

According to CNBC, the average American carries $38,000 in personal, non-mortgage debt. This is a higher amount than in the past. Also, CNBC found that more people carry debt than in past years. Considering that about 26 percent of auto loans are subprime and are at around an interest rate of 15 percent or more […]

Better Safe Than Sorry: 8 Types of Car Insurance That Are Worth Your Consideration

Not all car insurance is the same and it is a good idea to learn about the key differences between the various policies that are available as it could prove to be very frustrating and expensive if you make the wrong choice and don’t have the right coverage. To get the lowdown on how to […]

Ballast Associates Discusses Types of Debt You Can Consolidate AND How to Know if Debt Consolidation is the Right Choice For You

Many people are swimming in debt payments, often at high interest rates. As debt mounts, people get to the point where they fear they can no longer make all of their payments. Missed payments affect their credit score. For some, the answer is to consolidate their debts in one payment each month at a lower […]

Second City Advisors Discusses The Worst States to Have Credit Card Debt In

According to the findings of the USA Today, which were based on research conducted by the Federal Reserve, Americans owe a whopping $1.04 trillion in credit card debt as of March. While this is certainly no more than a glimpse of the overall national debt, it still places the U.S. on top of the list […]

What Is a Personal Loan?

Believe it or not, approximately 78 percent of workers in the United States live paycheck to paycheck. That means covering unexpected expenses can be almost impossible. And though many people assume that relying on credit cards is the only way to make ends meet, it’s not your only option. Personal loans can help you pay […]

Smart Ways To Defeat Credit Card Debt - Interstate Associates

Are you weighed down by lingering credit card bills? Get ready to learn smart and efficient strategies for zeroing out even a sky-high debt. You owe it to yourself. Let's be real... Credit card debt is one of the worst financial burdens that one can have. Fortunately, getting yourself out of credit card debt is […]

The Financial Lessons All Working Adults Need to Know

Congratulations! You've entered the world of work and you're ready to start seeking out your own sense of financial independence. The only problem is, no-one ever taught you how difficult it really is to manage money. Despite all the lessons that we get at school about things like biology, math and English, there isn't a […]

What is an IRA and What Happens to it After You Pass Away?

An IRA, Individual Retirement Account, is one of the tools that are available to help people financially prepare for retirement. This type of account is set up through a financial institution and allows for growth with many tax benefits. There are three main types of IRAs, and it is important individuals explore all three before […]

Off to a Fresh Start: What Are the 2 Types of Personal Bankruptcy?

Personal bankruptcy generally falls under chapter 7 or chapter 13. Both of these are ways to deal with significant amounts of debt and can enable the filer to reduce or eliminate their debts within a short period. Anyone who is considering filing for bankruptcy should determine which one applies to their situation and speak with […]

How To Salvage Your Credit Score After Bankruptcy |Graylock Advisors

Are you aware that over 500,000 U.S. citizens declare bankruptcy annually? Bankruptcy is one of the most damaging things that can happen to your credit rating. Mainly because a bankruptcy filing usually stays on your credit report for up to 7 or 10 years, there are different types of bankruptcy so it depends on which […]

What Do You Need to Know About Property Lawyers?

Property disputes can take a lot of time to settle. So, you need a reliable property attorney by your side to fight your case for you. If you don’t know a thing about property lawyers, we are giving a brief guide below! What Do You Need to Know? When it comes to hiring intellectual property […]

Is it Smart to Lend Money to an Online Freelancer?

Online retail enterprises have grown in leaps and bounds during the past few years. Most experts predict that their influence over the marketplace as a whole will continue to grow. This is why many individuals are keen to become involved with such ventures. However, is it wise to lend money to someone who claims to […]

What Makes Canon Attractive To Investors?

Canon is a renowned office and electronic equipment name. It is a multinational corporation with its headquarters in Tokyo, Japan. Canon Inc. is into manufacturing of multifunctional office devices such as plain paper copier, laser printers, inkjet printers, Cannon printer cartridge and camera and lithography equipment. Basically canon operates under three major business segments 1) […]

The Role of Education Planning as College Tuition Continues to Rise

A great deal of media attention has been paid to improvements in the overall economy in recent years, particularly since the Great Recession that started in 2008. In some economic sectors, people have enjoyed some observable benefits. One area in which people in the United States still face ever increasing challenges is in regard to […]

The Ins and Outs of Cash-Out Refinancing

If you own some type of investment property, like residential rental property, you may want to consider what is known as cash-out refinancing. Through this article you are presented with a basic, essential overview of the ins and outs of cash-out refinancing. Cash-out refinancing can provide you with a number of financial and other benefits. […]

Why It's Important to Have a Financial Plan as Early as Possible and How Working with a Financial Planner is Beneficial

A majority of people in the United States have no real financial plan in place. They don't particularly budget. Moreover, a considerable percentage of the population lives from one paycheck to the next. The reality is that you can enjoy greater financial stability and be in a better position to realize your dreams and objectives […]

How to Choose a Budgeting System Based on Your Goals

If you've ever considered the benefits of budgeting before, then you'll know that there are many different systems that you can use to manage your spending habits. These "budgeting systems" as they're called, are intended to give you the guidance you need when you're figuring out how to organize your money. Budgeting systems aren't just […]

7 Qualifications for Most Small Business Loans

  If you read any book about corporate finance, you'll soon find out that running a business requires a certain amount to keep things operational such as meeting payroll, paying utilities, leasing premises, and many other expenses. While entrepreneurship is rewarding, keeping everything afloat is not a small feat. Furthermore, you may have plans to […]

The Lowdown On Debt Consolidation - Mountain Ridge

It’s no secret. Funding has been a rising issue for Americans over the last few years.  According to the Federal Reserve, the complete household debt in the United States has shot up to nearly $13 trillion as of 2018. It’s clear to see that U.S. consumer debt is out of control. the average American household […]

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