Imagine being so rich you never had to borrow money! Sadly, most of aren't that fortunate, which is why many people endeavor to discover how to get a higher credit score.
If you're wealthy enough to pay cash for any car or home you like, then you ...
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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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Is Coinstar’s Conversion Fee Worth the Price?
I think grocery store self-check stands are both a blessing and a curse.
When multiple shoppers, loaded up with enough groceries to, say, sustain a family of four through a nuclear winter are queued up in front of a human cashier, self-check ...
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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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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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Bad Credit, Big Decisions: A 2025 Loan Guide
In 2025, managing personal finances is more complicated than ever before. Rising inflation, stagnant wages, and economic uncertainty have pushed many Americans to the edge. When unexpected expenses arise, such as car repairs, medical emergencies, or ...
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The Pros and Cons of 7 Popular Student Loan Refinancing Options
It's a sad reality that most students still can't graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you ...
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3 Things That People Overpay For
No matter how thrifty you think you are, the truth is, most people are constantly spending money; it's just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a ...
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How Do I Get Prequalified for a Mortgage?
The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, prequalified homebuyers are far less attractive to sellers than shoppers who ...
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How to Get Preapproved for a Mortgage
The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...
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8 Payday Loan Alternatives That Loan Sharks Don’t Want You to Know
When you examine the numbers, it's difficult to deny that payday loans are detrimental to your finances. Yet people use them - despite the fact that there are payday loan alternatives out there. The trouble is, payday loans affect real people with ...
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How to Handle Foreign Business Partnerships
So, you're looking to break into an international market? When it comes to foreign business partnerships, there are numerous reasons why you may wish to choose one in order to expand your own company. There are also a great many things that you'll ...
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10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb
There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth.
I know. I don't buy it either.
Still, let's assume these folks know what they're talking about; ...
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What Is a VA Loan?
What is a VA loan? Well ... VA loans are government-backed mortgages that are insured by the Veteran's Administration. VA loans are available from qualified lenders to homebuyers who have served in the US military including:
Soldiers and sailors ...
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What Is an FHA Loan?
An FHA loan is a government-backed mortgage that is insured by the Federal Housing Administration. Although anyone can apply for an FHA loan, they were designed to help people with lower incomes qualify for a mortgage.
Because FHA loans protect ...
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4 Traditional Banking Alternatives Many People Overlook
You might be one of many people who is getting tired of increasing and tricky bank fees. Perhaps you're at the point where you're even looking at switching to a "new" way of banking that's different from the typical big-name bank you've used for ...
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Discounted Cash Flow: What It Is, and How It Works
One of the most common methods for assessing the value of a business or investment opportunity is the discounted cash flow (DCF) method. This approach involves calculating the present value of the future expected cash flows, taking into account the ...
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What are Mortgage Points?
Mortgage points -- commonly referred to as simply "points" -- are the fee that a borrower pays to the lender for a lower interest rate; one point equals 1% of the loan amount. Points are also tax deductible.
Homebuyers can typically reduce their ...
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How Do Mortgage Fees Work?
The mechanics behind how mortgage fees work are really quite simple. Mortgage fees are service charges that the lender imposes on a borrower to process the loan. When you apply for a loan, the lender is required to give you a document known as a Good ...
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The Fed, the Market, and the Wisdom of Crowds
Those of you who have been reading my weekly Black Coffee columns are aware of my repeated lamentations that, thanks to the manipulation of interest rates by the Fed and interventions and bail-outs by our federal government -- which inhibit ...
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