Some people are used to having a debit card and they don’t understand how important it is to have a credit card. First of all, a credit card that is used correctly and paid on time can help you build credit. Without a good credit it can be difficult to obtain a loam, a mortgage,...
Howard Dvorkin, founder of Fort Lauderdale, Florida-based Consolidated Credit Counseling Services and author of “Credit Hell: How to Get Out of Debt,” says that when it comes to picking a credit card, “people have to sit down and think about what’s important to them.” There are some questions that shoppers can ask themselves regarding how...
Before taking on a loan and the huge financial commitment, ask yourself why you need that money. Often times people take personal loans to pay off their credit card, write a check for college, or to invest in a business. There are many more reasons which are legitimate, but if you want the money to...
According to policy genius, your credit score has little affect on your life insurance rates. There are other reports which are more relevant, such as your medical records, your prescription drug history, and your criminal records. Life insurance companies may run a soft inquiry of your credit report, but it will have a light affect....
If you are considering getting a store credit card, don’t be tempted to sign up at the register just because you want to get a discount on your purchase. Take the time to check out the real benefits of the particular card and compare it to your existing credit card. There are stores that offer...
If you are trying to cut down on your credit card spendings, planning in advance will help you a ton. Some examples when timing matters are birthday gifts and birthday parties. When you plan for those ahead of time you can get good prices on what you need, go to the better priced stores or...
Shoppers report that going to the grocery store has a major affect on their wallet. In fact, if you go food shopping on an empty stomach, you may end up getting lots of items that are not necessary and spending more money that you planned. Do your best to meal plan for the week, or...
Searching for a home is a process that involves a great deal of aspects, such as insurance, cash, loans, mortgage, as well as research and a long list of our needs and wants. However, when a great deal comes your way, it is time to nail it down and make this house a home. Listen...
Buying a house in today’s market can be tricky because the requirements went up and many struggle with getting approved. If you are over paying rent and are ready to become a homeowner, there are few ways you can accomplish this. If you cannot show a 680 or higher credit score and come up with...
When going on a trip abroad, Visa and Mastercard are usially excepted worldwide. American Express is also a good choice, but they are a bit less popular. However, it is good to take few cards with you in case your card gets declined. Having a back up will help you feel confident and enjoy your...
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