Invest $100 that earns a 6% annual return and you'll have $106 a year later. The uninitiated might expect to see $112 in their account after two, but they'd actually have $112.36 because interest not only accrued on the original principal of $100, ...
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Learn All About Hard Money Loans In Less Than 7 Minutes
When you think about loans, you probably either think about big banks that have capital to spare or shady back-alley loan sharks that are almost certainly going to scam you. Hard money loans fall outside of both of these stereotypes. More ...
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What You Need to Know About Payday Loans
If you're still wondering what to know about payday loans, perhaps the most important thing is that they're a high-interest short-term option.
Payday loans fall under the unsecured loan category because they don't need collateral.
Payday loans ...
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The Pros and Cons of 5 Legal (and Illegal) Cash Advance Options
Let's get one thing straight; no matter how you slice it, when you're short on money, looking for a quick cash advance is the Hail Mary pass of personal finance. So a cash advance should always be the option of last resort.
In an ideal world, ...
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Always Be Sure To Avoid These Common Personal Finance Mistakes
It is time to give yourself a personal finance audit. After all, when it comes to eliminating common personal finance mistakes, you have to take a long, hard look from time to time to be sure you haven't fallen into one of the many critical errors ...
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Perfection When Managing Money: Is Close Really ‘Good Enough’?
I'm not a big football fan. Oh sure, I occasionally enjoy watching football on television. But, unlike hockey and baseball, I rarely bother buying tickets to attend football games in person.
That being said, my buddy had an extra ticket to a ...
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How to Know if You’re Eligible for 2022 Student Loan Forgiveness
One-time student loan forgiveness could reach millions of borrowers by the end of this year. And some may be able to take advantage of student loan relief eligibility immediately.
This year, President Biden announced that Pell Grant recipients who ...
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5 Tips for Paying Off Your Title Loan Fast
While a vehicle title loan can give you the financial breathing room you need, it's important to remember that it is still a loan, and you will eventually have to pay it back, plus interest. If you're looking to pay off your title loan as quickly as ...
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Proper Financial Planning for Individuals With Irregular Income
An income can be considered irregular if you’re not being paid on a regular schedule. An example of an irregular income is the pay you get from tutoring, craft sales, spousal support, and the like. However, having a sporadic income is harder to ...
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5 Reasons To Sell a Lottery Jackpot Annuity
Most lottery prizes are offered in the form of periodic payments to the winner. As a result, the winner has to linger on for years before he gets to have the full amount of winnings.
There are many wonderful benefits of holding on to the annuity ...
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4 Steps to Financial Independence
Once you have achieved some basic financial goals, such as paying off all debts except for perhaps your mortgage, building up an emergency fund and contributing to a retirement account, it is time to start thinking about achieving financial ...
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100 Words On: Why You Should Never Ever Be Afraid of Failure
Most of us learn to fear failure and avoid it at all costs. During our quest for financial freedom, however, well encounter plenty of failures. Usually, we learn from them and move on. Sadly, the fear of failure is also used as a convenient excuse ...
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5 Expert Tips for Saving Money with a Credit Card
For many people, a credit card offers a flexible way to access funds when they're needed. However, credit cards can do much more than this when they're used properly -- and can in fact end up saving you money in the long run.
Selecting the right ...
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Why You Should Consider a 203k Mortgage When Buying a Fixer-Upper
Purchasing a home that requires repairs and renovations can seem impractical. Generally, lenders don't allow homeowners to purchase the property until after repairs are completed; however, an FHA 203k loan allows property owners to roll home ...
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Can You Afford a Home?
Purchasing a home is one of the bigger moments in many people's lives, whether or not they have purchased on in the past. But with rising home prices and interest rates, it can seem less and less affordable to acquire your own home. There are a few ...
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5 Ways to Increase Your Chances of Qualifying for a Personal Loan
Whether you're consolidating debt, making a large purchase, or dealing with an unexpected expense, a personal loan can be an excellent option.
When you take out a personal loan, you borrow a fixed amount of money that you agree to pay back over a ...
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10 Big Reasons Why I Love (and Hate) Credit Cards
The other day I overheard a couple of nice ladies going on and on about why they loved, loved, LOVED their credit cards.
And let me tell you, they really loved them.
At first, I didn't understand what all the fuss was about. Like most people, I ...
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Why You Should Be Careful Before Gambling Online with a Credit Card
Using online services such as shopping and streaming services often requires the use of credit cards. And online gambling - which has become increasingly popular in recent years - is no different.
Of course, time and time again we are warned about ...
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100 Words On: The Smartest Way to Eliminate Your Credit Card Debt
I don't care what you've heard about Dave Ramsey's debt snowball, the credit card debt-elimination method that calls for paying off cards with the lowest balances first -- regardless of their interest rate. It's wrong.
Ramsey claims the debt ...
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How Do Payday Loans Work?
If you found yourself short on cash, you could try applying for a payday loan - but keep in mind that it's going to cost you.
A payday loan grants you access to cash to bridge the gap until your payday. But payday loans are not to be taken lightly ...
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