Use Your Checking Account Wisely? Your Credit Score Could Now Go Up

Posted by Richard on December 5, 2018

This year, people who wisely manage their checking accounts could see an increase in their credit scores. The new UltraFICO credit score will let some consumers offer their banking activity as proof that they are credit worthy. A credit score has never been based on income. A person who makes $20,000 per year — and […]

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Tax Moves To Make Before Year-End

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As April’s tax deadline looms, there are some things you can do before Dec. 31 to cut your tax bill. First, use any extra money to make a final contribution to an IRA or 401k. This makes a tidy deduction in taxable income. In 2018, those limits are $5,500 and $18,500, respectively. Don’t forget that […]

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Why DIY Doesn’t Always Save You Money

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It’s tempting to watch those home remodeling shows and think it’s easy to complete a major project in a weekend. Whether it’s a new shower or a kitchen makeover, everything looks so doable on TV. It seems like a Do-It-Yourself project would save money, too. After all, everyone knows the materials are inexpensive but it’s […]

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Consider How Much Luxury Features Really Mean To You

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What you want in your new home is everything and maybe all the luxury touches you can get. But what features are actually deal breakers? Lux touches look great and feel great, but some home experts wonder if those features should really make or break your choice in homes. Consider whirlpool tubs. Stylish and beautiful, […]

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Can Balance Transfers Backfire?

Posted by Richard on November 6, 2018

The average American had $6,354 in credit card debt at the end of 2017 which continues the upward trend of recent years, and many people might be looking for a balance transfer after overspending during this year’s Christmas shopping season. The benefits of a good balance transfer card are that a person with existing high-interest […]

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Money Saving Tips During Holiday Shopping

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Avoid impulsive shopping during the holidays by making your plan and sticking to it. One method to avoid the madness, according to Real Simple, is to work out a complete gift plan, then set aside one day for shopping. Before the big day, shop sales for specific items and download any necessary retailer coupons and […]

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The Pros and Cons of Buying A Franchise

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Buying into a franchise business of any kind allows the owner to go into business for themselves while providing the benefit of a proven business model but it can come with a substantial cost, according to Entrepreneur Magazine. For those that have never owned a business, franchises can take much guesswork out of the equation […]

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Thanksgiving By The Numbers

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* 46 million turkeys are eaten during Thanksgiving each year. (source: History.com) * Americans spent $14.2 billion on Thanksgiving and Black Friday in 2013. * About 50 million Americans travel 50 miles or more from home during the Thanksgiving holiday weekend. (source: AAA) * The average American household spends $54.18 on Thanksgiving dinner. * The […]

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Moving Aging Parents Into Your Home

Posted by Richard on October 16, 2018

Aging parents are more likely to live with the kids today than they were 70 years ago, according to research. Living arrangements that include elderly parents have been on the rise during the past 15 years after a precipitous fall starting in the 1940s, according to Pew Research Group. Among those Americans aged 55 to […]

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Bull Market Rages, But It Can’t Last Forever

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The U.S. stock market is on fire, in the midst of the longest bull run in history. Stock investors and holders of 401Ks have been looking at double-digit gains during the last year. Can this monetary Shangri-La last forever? Heck, no. What goes up will come down. For pessimists, realists or those who are nearing […]

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