November 5, 2021
Debt has a way of sneaking up on you. Just when you think you have everything in order, you realize that your finances are under pressure and changes are necessary. While there are many ways to get back on track, debt consolidation is one of your best options. There are many ways to consolidate your debt, with a credit card or personal loan among the most common. As you compare the pros and cons of both these options, you’ll come
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October 25, 2021
Let’s face it: reviewing your budget isn’t something that you look forward to. In fact, if you’re like most people, you avoid this at all costs. That’s especially true if you’re confident that your budget is accurate and in good standing. Even though it may not be your idea of financial fun, there are times when you should review your budget. Consider the following: The Passage of Time This alone is reason enough to review your budget. For example, if
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October 15, 2021
Credit card debt has the potential to quickly spiral out of control. Just when you think you have everything in order, you realize that there’s a lot of work to do. If your credit card debt is out of control, it’s easy to panic. It’s easy to let it take over your life. But rather than head down this path, you should take a deep breath and realize that there are many paths to a better future. First things first,
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October 10, 2021
As a small business owner, entrepreneur, or someone interested in going down this path in the future, it’s critical to understand the benefits of a business checking account. Yes, you have other things to worry about in the early days of your business, but you don’t want to put this on the back burner. Here are some of the top benefits of opening a business checking account: Financial Protection This is one of those benefits that you should never overlook.
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October 3, 2021
Go back in time 20 years and online banking was in its infancy. While there’s still plenty of room for growth, it’s impressive to see just how much this industry has grown in a short period of time. Understanding the many benefits of online banking can help you decide if it’s right for you. Let’s take a look at five reasons to give online banking a closer look: Easy to Open an Account Do you really want to drive to
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September 30, 2021
Are you new to the world of credit cards? Do you finally have your hands on your first card? Are you concerned that you could make a mistake (or several mistakes) that will affect your finances? There’s no denying the fact that using a credit card is a big deal. While it can benefit your finances in a number of ways, a simple mistake can cause trouble both now and in the future. Here are five tips that will help
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September 15, 2021
Even if you don’t need a balance transfer credit card today, this could change in the future. And if it does, you want to know what you’re doing and why this could be the right offer for you. There are a variety of benefits associated with a balance transfer credit card, including but not limited to: 1. Credit card debt consolidation If you have more than one credit card balance, you should strongly consider a balance transfer credit card. It
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September 5, 2021
There may come a time when you realize that a personal loan is the best way to get your hands on the money you need. These unsecured loans can be used for many things, including but not limited to debt consolidation, home improvement projects, and traveling the world. While applying for and securing a personal loan online is more popular than ever, many people still opt to visit with a loan officer at a local bank. There’s nothing wrong with
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August 30, 2021
At first glance, you may assume that a prepaid credit card is the same as a debit card or traditional credit card. However, as you dig deeper and learn more, you’ll come to find that there are a variety of differences that affect how you can use the card. Let’s start with a basic overview of prepaid credit cards. This type of card is not linked to a bank account. Instead, the money you deposit into your account is your
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August 22, 2021
As a small business owner, every financial decision you make is a big one. Even seemingly minor details can have a major impact on your company now and in the future. So, when it comes to choosing a small business credit card, it’s critical that you take the right steps at the right time. If you’re in the process of searching for and choosing a small business credit card, here are a handful of steps you can take to make
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August 8, 2021
Searching for a credit card is easier than ever before, as you can turn to the internet to conduct the entire process from start to finish. While every step is important, it’s the research stage that can make or break your decision. The question of how to best research credit cards online has no defined answer. However, there are some basic steps you can take to ensure yourself of learning as much as possible in a reasonable period of time.
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July 25, 2021
As a credit card holder, you probably have the ability to take a cash advance. As the name suggests, this is money that you take from the credit limit of your credit card. This all sounds good, right? Well, before you proceed with a cash advance at a local ATM, it’s critical that you understand the potential drawbacks of doing so. Before we talk about the disadvantages, let’s review some of the benefits of a credit card cash advance: No
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July 22, 2021
When searching for a credit card, it’s critical to pay attention to any and all fees associated with it. And that definitely includes the annual fee. Before we go any further, keep in mind that not every credit card has an annual fee. There are hundreds of offers that don’t require you to pay a fee in order to remain in good standing. If you’re thinking about applying for a credit card with an annual fee — or renewing one
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July 15, 2021
Are you in the market for a new or used car? Are you concerned that you won’t qualify for a loan? Does this have you wondering if you’ll ever be able to purchase a vehicle? If you answered yes to these questions, you’re not alone. Many consumers are in the same position as you. Fortunately, there are a variety of steps you can take to improve your odds of a car loan approval. 1. Search Far and Wide for a
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June 30, 2021
When you receive your credit card statement in the mail or in your inbox, there are a few details that will immediately catch your attention. For some people, their eyes immediately search for the minimum monthly payment. As the name suggests, this is the minimum payment you must make to keep your account current. Even though the minimum monthly payment is less than your total balance, it doesn’t mean that you’ll have enough funds to comfortably pay it. In fact,
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June 15, 2021
Buying a home is one of the biggest decisions you’ll ever make. For that reason, it’s critical that you choose the right mortgage lender. Making a mistake with this detail could have long lasting repercussions that bring both personal and financial stress into your life. While there’s no right or wrong way to compare mortgage lenders, there are some basic steps anyone can take to ensure that they make the right decision at the right time. Here’s what you need
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June 5, 2021
Are you considering applying for a travel rewards credit card? Are you ready to make your move, but a bit concerned about heading down the right path? Do you have questions about all things related to travel rewards credit cards? These credit card offers are among the most popular, as they allow you to earn points that you can later redeem for travel. This includes everything from airline tickets and hotel stays to rental cars. Here are some of the
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May 28, 2021
What does the word best mean to you? How do you define this as it pertains to your credit card? What is the best credit card? It doesn’t matter if you’re searching for your first credit card or looking to add another one to your wallet or purse, it’s critical that you know what you want and how to get it. Here are five questions you can answer to help you move closer to finding the best card for your
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May 15, 2021
When was the last time you reviewed your credit report? Was it within the last year? Do you ever remember seeing a copy of it? Regardless of what has happened in the past, it shouldn’t dictate your approach to the future. As a general rule of thumb, request a copy of your credit report once a year. Tip: if you have any reason to review your report more often, don’t hesitate to do so. For example, this is a good
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May 12, 2021
The question of whether or not you should apply for a credit card fresh out of college is a difficult one to answer. There are pros and cons of both paths, which makes it even more difficult to decide what to do next. Before we go any further, here’s one thing to remember: you don’t want to make a rash decision to apply for a credit card. It’s better to be 100 percent sure before taking action. Here are five
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