Personal Finance and Lifestyle Guide
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Credit cards for students are often considered a bad idea. In fact, it’s many college students who are given credit cards they don’t know how to use that end up in the most financial trouble in the future. It happens, and there’s nothing you can do about it after the fact that learn from your […] More
As a business owner, you might wonder whether or not the concept of accepting credit card payments is worth it to you. There is some debate about this among business owners, particularly those who have small businesses. Here’s the deal; most people use credit and/or debit cards to make their purchases. There are people in […] More
Debt is not something you want to have. You hear it your entire life, and yet so many people still have it. Sure, some people are just unwise when it comes to their finances, living above their means for various reasons. Others are put in a situation in which they feel they have no choice; […] More
You can’t tell the difference between a prepaid credit card and a real credit card, but there is a difference. Nearly 80 million people in America choose not to deal with banking institutions for some personal reason, and more than that have questionable credit scores. For these two reasons alone, millions of Americans choose to […] More
If you’re going to carry a credit card – and everyone should for emergency purposes – you should consider carrying one that has the lowest possible rate if you don’t plan on paying off the balance in full each month (and if you don’t or you worry that you won’t have the discipline, try applying […] More
When my husband and I were in the process of having plans drawn up for our new home, we stumbled upon our dream home in the midst of the latest real estate news. We know that sellers take property marketing very seriously, and even work with companies that assist them with this aspect. And if […] More
The option to take out a second mortgage on your home for financial purposes important to you is always there provided you have good enough credit and the equity to take on a second mortgage. However, there is some debate as to whether or not this is a good idea. It’s not something everyone does […] More
Location, location, location; it’s not just something that someone made up. It’s all about the location when it comes to just about everything in life. From where you reside to where you work, from where you dine to where you enjoy a night out, it’s all about the location. And it’s not just the specific […] More
You can buy a home for very little money down, but we don’t recommend it. Why would you want to do that and pay hundreds of additional dollars every single month to someone for Private Mortgage Insurance (PMI) until your loan value is less than 80%? Really, you don’t want to pay that. It is […] More
How to recognized credit card addiction Sometimes there are signs in life. There are signs that point you in different directions both literally and figuratively, and there are signs that you need to make some life changes. One such life change is using your credit card. Debt is very real, and it’s debilitating. It’s a […] More
I was 18 when I received my first credit card. My parents felt it was important that I get one of my own and learn to use it responsibly; so I did. I had a very low $300 credit limit, and that was for the best. The first thing that I did was take my […] More
Applying for a credit card is something that most people do at least once in their lives. After all, a credit card is something that you should really have to your name; for several reasons. There are always those who believe that credit cards are evil, that they cause debt and that it’s better to […] More