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Credit and Debt

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Credit and Debt

The Ins and Outs of Your Credit Score

While many lenders and businesses will tell you that you are more than your credit score, the truth is that your credit score matters more than you probably realize. The better you ...

Credit and Debt

Are Credit Repair Services Worth It?

When your credit score runs a little too low to get you the things you want and need in life at an attractive interest rate, it’s time to consider making changes ...

Credit and Debt

Cures for a Debt Hangover

Holidays are seldomly easy on the budget. Birthdays too. Same for vacations and shopping sprees. Even if you try to temper your spending, tons of unexpected expenses arise ...

Money Management

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Money Management

Measuring the Cost of Living

Understanding the cost of living in an area can help you determine the amount of money necessary to cover basic living expenses. It can also describe the amount ...

Money Management

Calculating Your Disposable Income

Disposable income is a consumer finance term used to describe your income after the deduction of taxes. It is a significant indicator of personal wealth ...

Money Management

Financial Basics for Service Members

In the military, you can use available resources to help prepare for your future. As far as saving money, you have various tools to help you build and secure your ...

Workplace Finances

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Workplace Finance

2021 Paycheck Planning

Another year is just beginning. While few people were sad to say goodbye to 2020, the new year means new changes to Internal Revenue Service (IRS) and ...

Workplace Finance

First Paycheck? Do These Things First

Your first paycheck can be quite exciting. However, before you open your pay envelope and look at the total, you need to have a plan in place to maximize your income ...

Workplace Finance

The Basics of Working from Home

There are many advantages of working from home. There is no commute back and forth to work, which saves ...

Home Ownership

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Homeownership

House, Townhome, or Condo?

The real estate market offers many different housing options. Depending on your life stage, financial resources, and where you are on your financial journey, one ...

Homeownership

Building Equity in Your Home

If you own a home, the mortgage payments you make each month could help you build a substantial asset - home equity. The home equity you build represents how much ...

Homeownership

Down Payment Assistance Programs

For those at the low-to-moderate-income level, the most substantial barrier to homeownership are the closing costs and a down payment associated with ...

Paying for College

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Paying for College

COVID-19 and Your Student Loans

The U.S. Department of Education (ED) Federal Student Aid office is actively watching the COVID-19/coronavirus emergency. If you are a student with an ...

Paying for College

Are Online Degrees Worth It?

In the fall of 2018, around 3.26 million students (16.6% of all U.S. higher education students) were enrolled in exclusive online education courses, according to the ...

Paying for College

Refinancing Strategies for Student Loans

Student loans. Without them, college educations would not be possible for large segments of today’s population. Whether attending state colleges and universities or ...

Retirement

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Retirement

2020 & 2021 Maximum 401(k) Contribution Limits

For many Americans, employer-sponsored 401(k) plans comprise the bulk of personal retirement savings. These plans allow investing with pre-tax funds so that ...

Retirement

2020 & 2021 Maximum IRA Contribution Limits

The IRS releases new requirements every year related to IRA (individual retirement account) investments, including maximum contributions investors can ...

Retirement

Gig Worker Retirement Strategies

Over the past several years, there has been a significant rise in gig workers and the number of affiliated companies that utilize them. In fact, in 2017, the Bureau of Labor ...

Family Finances

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Family Finances

Should You Get a Prenup?

No one wants to think about ending a marriage before it even begins. However, the American Psychological Association reports that about 40 to 50 percent of married couples ...

Family Finances

Digital (or Virtual) Credit Cards

Data breaches occur all the time these days. They hardly make the news headlines anymore. One of the outcomes of these widespread breaches is that some credit card companies ...

Family Finances

What’s Your Password Strategy?

People are growing more concerned every day about the impact we will have (and have already) on our planet. Many have already taken massive ...

Small Business

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Small Business

Branding Your Business

An effective branding strategy makes your business stand out in a competitive marketplace. Online, it helps ...

Small Business

Social Media Marketing

Leveraging social media marketing can increase your customer base significantly ...

Small Business

Gaining a Competitive Advantage

It takes extensive research and strategic planning to gain a competitive advantage. Every advantage is ...

Cyber Security

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Family Finances

Stop the Robocalls!

Google, Apple, T-Mobile, and the U.S. government are each working hard to end robocalls as well as other types of phone-based spam. While we all wait for these calls ...

Family Finances

What is a Spoofing Attack?

Spoofing is where an unknown person disguises communications as a trusted and known source. It is a form of cyberattack that ...

Cyber Security

Keeping Your Mobile Phone Secure

Your phone contains sensitive information about you, your finances, and your family. It is critical ...