Filing for bankruptcy is a major decision, but it is also a structured legal tool designed to help people and businesses get a financial reset. There are many important things to know about bankruptcy. Understanding how it works, what it can and ...
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Does Birth Order Influence Financial Behavior?
Many people believe birth order is responsible for their status in life.
I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...
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Why Personal Deficit Spending Can Actually Be a Good Idea
Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, personal deficit ...
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Are You Prepared for Managing Money and Other Responsibilities?
I have an 11-year-old son who is clamoring for a cell phone. But cell phone aside, my son has been getting an allowance and, quite often, Granny tops off his piggy bank during Christmas and his birthday. I've observed some very interesting things ...
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7 Ways to Improve Your Finances Before Winter Sets In
Summertime, with all its outdoor fun and activities, can do a considerable amount of damage to your budget – but there's no reason to panic because autumn is a great time to concentrate on getting your financial situation back on track. If you want ...
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How to Get a Car Loan If You Have Terrible or No Credit
Getting a car loan is very easy if you have a good credit score that meets the lending criteria of the financier, but when you have a poor credit report or no credit at all, the exercise can become really difficult. If that's your hard reality, then ...
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18 Amazing Credit Card Facts You Probably Didn’t Know
If you're like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found ...
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4 Rules for Cashing Out Your 401k When You’re In a Financial Pickle
There may be times in life that you'll fall into financial hardship, and it's wise to plan ahead for the inevitable. An emergency fund -- that is, a generous amount of cash in your savings or another account -- is ideal for dealing with these ...
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Exploring the Cons of Informal Borrowing
Informal borrowing often seems like an attractive funding option for investors looking to finance a new real estate project. After all, it’s a quick and easy solution when cash is tight, and there’s often no paperwork, no credit checks, and no ...
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What Is a Balance Transfer Credit Card?
Balance transfer cards are specifically targeted for those who are looking to consolidate debts spread across multiple credit cards by transferring them to a single credit card account. Best of all, you can transfer balances from gas, store and other ...
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Debunking Common Legal Myths About Nursing Home Debt
Nursing homes are long-term medical care communities for older adults who need round-the-clock, hands-on care from medical staff. Older adults with dementia, mobility conditions, or other disabilities often reside in nursing homes for safety and ...
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How to Take Control When You’re Deep in Debt
If you're lost in financial debt, getting back in control can seem like an uphill struggle. With the high cost of living and stagnant wages, it's not always easy to pay what you owe -- especially if you've been borrowing from multiple creditors over ...
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Good Personal Finance Habits Everyone Should Follow
There are good habits and there are bad habits - and I have a lot of bad habits.
For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass -- then walking away and leaving ...
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When Consolidating Debt is a Bad Idea
Debt consolidation is one of those financial tools that sounds perfect on paper. Take all your debts, roll them into one easy payment, and hopefully enjoy a lower interest rate. For a lot of people, this approach works and can make managing debt feel ...
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5 Reasons You Shouldn’t Be Scared to Take Out a Loan
For many, the word "loan" carries a negative connotation because it is often associated with financial struggles, endless payments, and even stories of debt spiraling out of control. As such, many individuals are hesitant to take out a loan, even ...
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5 Mortgage Truths That Can Save You From a Lifetime of Regret
Buying a home is one of the biggest financial decisions most people will ever make – and for many, it's also one of the most misunderstood. From confusing loan terms to seductive payment plans, mortgages can be a minefield of long-term commitments ...
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How to Make Travel Cheaper with a Credit Card
Credit cards are a necessity for most travelers. Best of all, having the right card in your wallet can actually save you money. With that in mind, here's how to make travel cheaper with a credit card:
Get an airline card
Many airline cards offer ...
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How to Choose a Student Credit Card
For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here's ...
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What Is the Statute of Limitations On Debt?
When it comes to old unpaid debts, many people hear the term “statute of limitations” and get a little confused – or sometimes overly hopeful. There’s a common belief that certain actions with old debts can extend how long those debts stay on your ...
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How Can I Pay Off My Credit Card Debt?
It's no secret that financially-strapped people often wonder: How can I pay off my credit card debt? But do you ever wonder why you should you quickly repair your debt problems? Because credit card interest rates can be as much as 20% or more, it's ...
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