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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How to Ensure You’re Getting the Most from Your Wallet
Think about how much stuff you have in your wallet at the moment: maybe a little cash, and probably a few debit cards or credit cards.
Now, are you satisfied with how much your wallet is earning for you?
It's never a bad time to take a look inside ...
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How to Create a Long-Term Plan for Your Ultimate Financial Goals
For many, the idea of setting financial goals is a new concept. At most, it might be something that they do occasionally. They might think: I need to pay off this credit card. Or perhaps:I want to save up for a down payment.
However, in order to ...
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5 Pointers to Help You Pick the Right Home Loan
Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York -- and even homes in a city like Mumbai.
With the high prices ...
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8 Ways to Tame Your Credit Card Debt Fast!
Somebody printed this on a T-shirt: "The holidays are over and all I got was a mountain of debt!"
Sound familiar? Don't feel bad; you're not alone.
According to Wallet Hub, the average credit card balance per US household is now $8590. And with ...
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6 Personal Finance Tips for College Grads
If you are a graduate - or graduating soon - and haven't started planning your finances yet, your head may be spinning with a dizzying array of information. Many people often struggle to find their financial footing following graduation, leading to ...
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5 Things Everybody Should Do Before Applying for a Mortgage
Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy?
Applying for a mortgage is never an easy job. You can't change your income or credit history ...
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What Girl Scout Cookies Can Teach Us About Mortgages
I love this time of year because the Girl Scouts in my area are out selling their cookies. Of course, that means they'll soon be knocking on my door -- and I'll once again spend 10 minutes agonizing between the Thin Mints, Do-Si-Dos and Caramel ...
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100 Words On: Why Financial Freedom Requires Very Little Money
Don't fall into the trap of thinking that one has to be "rich" to attain financial freedom. There are lots of people earning millions per year who aren't financially free, just as it's also true that there are folks earning less than $50,000 annually ...
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