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When you have poor credit, it can really stymie your attempts to build a solid financial footing. You can’t get access to the same financial services and deals, and it can be difficult to move on from there. Credit repair is desirable if you have poor credit. There are a number of reputable companies that …
In most cases, the conventional wisdom on credit cards is to avoid paying an annual fee. An annual fee, that you pay for the privilege of borrowing money, seems like a terrible idea to many people. However, in some cases it might actually make sense to pay an annual fee. Do the Rewards Offset the …
One of the ways to automate your finances and easily manage your expenses is to have some bills automatically deducted from your checking account. Automatic deductions are great, since you don’t have to worry about being present to make a payment, and you don’t need to write a check. However, before you decide to have …
If you are looking for a full-service online broker, but with discount prices, you might consider OptionsXpress. This is one of the more popular online brokerages, providing investors with access to a variety of possibilities, at a low cost. OptionsXpress has been around since 2001, and in 2011, it became a subsidiary of Charles Schwab. …
We know that one of the most important things you can do for your long term finances is to prepare for difficulties with the help of cash. Cash offers you more liquidity that many other assets, including stocks, and it comes with the added bonus of not losing value. When you invest in stocks or …
When many of us think of making charitable donations, we think of cash. However, it’s also possible to donate clothing, household goods, and other items to charity — and receive a tax deduction. Recently, I took almost $700 worth of clothes, shoes, and accessories to the local religious thrift store after cleaning out my closet, …
One of the investing tools that is rising in popularity right now is the Individual Retirement Account (IRA). The Roth IRA has received a fair bit of attention lately, but the traditional IRA is also in high demand. This is because an IRA can be opened by anyone with earned income. This means that you …
There is no shortage of brokerages out there. If you are looking for something simple and laid back, though, you might consider using Kapitall to manage your portfolio. I first came in contact with Kapitall because I know one of the co-founders, David Neubert. I started a while back, when Kapitall was just a portfolio …
I’ve been in a couple of auto accidents. It’s always a nerve-wracking experience, whether it’s your fault or not. Eventually, you are likely to be in an accident, whether you make a mistake, or whether you are affected by someone else’s mistake. When you are involved in an accident, you will eventually want to contact …
When you have poor credit, it becomes important to fix the situation. Poor credit results in higher interest rates, as well as other costs. Additionally, your credit situation can have an impact on your insurance rates, approval for services, and even your ability to gain employment. While there are various ways to improve your credit, …
Chances are that you have heard about balance transfers. You can move your balance from one credit card to another. But what’s the big deal? Why would someone choose to move their credit card balance? A credit card balance transfer is a big deal because it can save you a lot of money in interest …
You can’t seem to avoid the Etrade Baby. Indeed, the cute baby has become the symbol of Etrade, and the amusing commercials illicit chuckles from nearly everyone. But is Etrade the online brokerage for you? If you are looking for a place to park your retirement account, and do a little buy and hold investing, …
For many, paper checks are relics from an age of money gone by. Checking accounts came to be because they were made expressly for the purpose of being able to write checks. And, of course, writing checks was more convenient than carrying around cash. However, times have moved on, and many of us feel that …
As social media becomes more popular — and more searchable online — many companies actually do a quick search while researching top applicants. On top of that, many companies actually take social media into consideration when recruiting new hires. If your career strategy calls for a new job at some point, or if you want …
Now that tax season is over, it’s time to get a jump on next year’s taxes. One of the reasons that tax season is so stressful is that many people end up leaving their documents organized all year. Additionally, many don’t keep up with what deductions and credits they are eligible for. Then, at the …
When you are running a business, you want to make sure you are properly covered with the right insurance. While you probably know that you need to make sure that you have worker’s compensation coverage, as well as property insurance, and you want to make sure that your company cars are properly insured, you might …
One of the newer brokerages receiving a great deal of notice right now is Betterment. It is relatively new; it created quite a stir at Finnovate 2010 by winning “Best of Show”. Since then, financial bloggers and other have been writing about the service, and many have tried it out. The thing that sets them …
One of the essentials for a solid financial situation is the emergency fund. You want to be able to draw on saved money in the event that a difficult and unexpected situation arises. Even though you know that you need to budget money for your emergency fund each month, it can be difficult for some …