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Is Your Credit Card a Cushion or a Crutch?

Is Your Credit Card a Cushion or a Crutch? In general, debt is something we all want to avoid. It’s expensive, burdensome and sometimes it’s even downright dangerous. One of the biggest culprits leading to crippling debt is heavy credit card use. But before you cut up your cards, remember …

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Should You Be Worried about Identity Theft?

It’s easy to push the threat of identity theft away and out of your mind when it doesn’t happen to you or anyone you know. But with an average cost of $22,000 per victim, identity theft is one of those rare occurrences it’s worth guarding yourself against just in case …

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The Dangers of Renting to Own

Renting to own furniture, electronics and appliances often seems like a good option to the cash-strapped. After all, when faced with the choice between laying out $600 on a new couch versus paying just $25 a week for one, the second option certainly seems more affordable. That’s exactly why rent-to-own …

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Leasing versus Buying

Lease offers can look very attractive to shoppers in the market for a new car. But a low monthly payment isn’t the only factor to evaluate when deciding whether to lease or buy a new car. Instead, ask yourself the following six questions to determine whether leasing is a better …

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Don’t Cosign that Loan!

It’s not unusual to field a request from a friend or loved one to cosign a loan. It seems so simple and easy—just sign on the dotted line and you avoid social discomfort and awkwardness at the next family holiday. But is cosigning really that simple? Or is it a …

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Guarding against Identity Theft

Identity theft is a growing problem. Hackers are getting smarter and more aggressive, with sites such as Target, Adobe and many others being successfully targeted in 2013. Guarding against identity theft is vitally important if you want to preserve your credit score and your savings. Here are five steps you …

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Taking Action and Saving Your Credit

I love superheroes—always have. From the Green Lantern to Batman, Superman to the Hulk, it didn’t matter if they were born with superpowers, their powers were the result of science gone wrong, or they were just regular humans with the desire to do good. But I don’t just like comic …

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Which Credit Card Is Best?

If you’re evaluating credit card offers, there are many things to consider before you sign up. Here are five of the most important factors to compare. The interest rate: Even if you don’t generally carry a balance over from month to month, it’s important to compare interest rates and shoot …

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Excerpt From: Financing Your Life—The Story of Four Families Taking Their Financial Lives Out of the Red and Into the Black

Today’s excerpt is from the fictional tale: Financing Your Life—The Story of Four Families Taking Their Financial Lives Out of the Red and Into the Black. In this excerpt, we see the very beginnings of the meltdown for a seemingly successful family. Chapter 2 Kurt and Marcie Two Young Children, …

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Should You Get a Bad Credit Loan?

Bad credit is a heavy cross to bear, especially when you need to borrow money. While many traditional lenders won’t approve a loan for individuals with bad credit, there are alternative lenders with loan programs specifically geared toward borrowers with a low FICO score. So the question isn’t whether these …

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