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The year is quickly drawing to a close. You are probably considering your tax moves for the end of the year, and trying to figure out how to lower your tax liability. However, now is also a good time to start organizing your tax documents, and figure out how you plan to file your paperwork. …
For the most part, when you have poor credit, the way to rebuild it is to make use of a secured credit card. However, many would rather have an unsecured credit card. While it is a little harder to find unsecured credit cards for bad credit, it is possible. However, if you do have poor …
A charge off on a credit report can be one of the most detrimental things to your score. A charge off indicates that you haven’t paid your account for 180 days. So, as you might imagine, your credit is already in pretty rough shape. A charge off means that the creditor is going to count …
One of the most disappointing realities for savers right now is that high CD rates are hard to find. Sure, you can get CDs with the highest rates, but even the highest rates now are much lower than the yields you could see back before the 2008 financial crisis. Indeed, CD rates are much lower …
Difficult as it may seem to imagine but this will turn out to be a great time to buy stocks. Being a contrarian tends to pay off really well long term. Buy low and sell high seems obvious enough but it is a difficult idea to really put in practice, specially when the market falls …
We are solidly in the last part of the year. The fourth quarter is rapidly approaching. That means that it is a great time to consider how you can reduce your taxes for 2011. Now is the time for tax planning for the rest of the year. What you do now can improve your tax …
One of the items that can lower your credit score by quite a bit is an open collections account. If your credit account has gone to a collections agency, it can be an indication that you are pretty far behind in your payments. An open collections account is one that is not considered “paid” or …
You probably know that one of the best ways to grow your wealth is to participate in investing. Investments can be a great way to grow your money, using the power of compound interest in your favor. However, you do need to be careful. There are some basic rules that you should follow if you …
One of the realities of life is that there are a lot of unexpected expenses and surprise problems. While it might not be such a big deal when your car needs a couple of new tires for $200, it can be financially devastating if you are in an accident with an uninsured motorist and need …
You probably already know how important it is to save for retirement. Even times of economic turmoil and stock market drops, it’s a good idea to prepare for the future by building up your nest egg. One of the tools you can use to grow your wealth is the Roth IRA. What is the Roth …
Recently, I received a notice from my local credit union about the demise of their free checking account offering. I don’t have a checking account at that credit union (we opened a share account mainly so our son could have the high-yield kid’s account), so the $9 a month service charge doesn’t affect me. However, …
The Internet has made it easier to access almost anything. From keeping tabs on your bank accounts to getting the best insurance quotes to managing all of your shopping (including groceries!), it’s possible to handle your everyday transactions online. You can even apply for a credit card online and get immediate approval. Whether you are …
For many people, the subject of credit repair is one that conjures uncertainty. It can be difficult to know where to begin. Even if you know many of the items on your credit report are mistakes, it can be difficult to know where to begin when it comes to having them removed. A credit repair …
Sometimes, as you look for the best CD rates, you might find that you have better luck when the CD in question has a higher minimum deposit. The more money you are willing to lock away for a set period of time, the better your interest yield. For institutions, and for high net worth individuals, …
One way you can speed up your debt repayment process is to take advantage of 0 interest credit card offers. 0 interest credit cards allow you to make payments on your principal, without having some of your monthly payment diverted to interest. This can help you get rid of your debt faster. When comparing 0 …
One of the frustrating realities of our credit reporting system is that sometimes questionable items make it into your credit file. When that happens, your credit score can be lowered, and it can result in you not getting the best rates on loans. Depending on the loan amount and the decrease of your score, it …
If you have been investing for any length of time, you have probably heard the term value investing. Perhaps, you also know that some of the most successful investors, such as Warren Buffett, Ben Graham, and John Templeton, are or were value investors. What is Value Investing? There is a fundamental principle in investing – …
You probably already know how important your credit history is when it comes to your finances. If you want the best rate on a loan, you need a good credit score. If you want to save money on insurance premiums, your credit report matters. Having a good credit history can also influence your job prospects …
