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A Necessary 10-Step Personal Finance Guide for 20-Somethings
Dec 01

A Necessary 10-Step Personal Finance Guide for 20-Somethings

2015 might be an odd year on the calendar, but it’s definitely the year for you to get even or ahead of the game when it comes to your personal finances. Indeed, if you’re in your 20s, now is the ideal time to put the finishing touches on your personal finance guide and then to

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Important Decisions to Make When Picking a Bank

Important Decisions to Make When Picking a Bank

How do you choose a bank to do business with? To some, the selection of a bank carries no more weight than tossing a coin, but it’s an important and potentially expensive decision. Bank rates and fees can vary and add up to as much as $50 a month — or up to $600 a

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How to Negotiate Higher Pay If You’re a Freelancer
Nov 30

How to Negotiate Higher Pay If You’re a Freelancer

If you’re a freelancer you have only one legitimate reason to raise your rates: you’re providing more value to your clients. Trying to offer other “reasons” for raises — like you want to make more money, or other freelancers are getting them, or you just bought a house — won’t get you far in the world

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10 Smart Ways to Avoid Checking Account Fees for Good
Nov 24

10 Smart Ways to Avoid Checking Account Fees for Good

Next to venting about bad customer service, American consumers love to complain about bank fees. From ATM fees to monthly maintenance fees to the infamous and expensive overdraft fee, these fees can add up if you’re not careful. Last year, they paid out $32.5 billion in bank charges and penalties. Actually, that’s an improvement from

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Brighten the Holidays With Credit Card Benefits for Shopping
Nov 14

Brighten the Holidays With Credit Card Benefits for Shopping

The holiday shopping season is right around the corner, and some say leave your credit cards at home when you make the trip to the mall. But that can be a short-sighted attitude when you consider that plastic is more than just a convenience, it also provides a form of “consumer insurance” for holiday shopping.

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Saving More Money Means Creating More Time, Not Cash
Nov 12

Saving More Money Means Creating More Time, Not Cash

How to save money has become an endangered activity in the United States. In September, the Federal Reserve Bank of St. Louis reported that Americans’ personal savings rate was 5.6 percent of disposable income, about half of what it was between 1960 and 1980, before starting its long slide. Earlier in the year, the Employee

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Best Method to Save for a Car When You Plan to Pay Cash
Nov 11

Best Method to Save for a Car When You Plan to Pay Cash

You’ve been thinking about a big ticket purchase, like a new car, and would like to pay cash for it from your savings. Your specific target date for the purchase is two years down the road. So, you have the means, and with your target date, you have the ability to schedule how you’re going

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9 Surprise Home Expenses to Consider Before You Buy
Nov 07

9 Surprise Home Expenses to Consider Before You Buy

Home ownership is expensive. If you’re in the market for a house, be sure to look beyond the expenses you’re facing in the purchase transaction. Many home buyers — particularly first-time buyers — are often surprised at the amount of cash they’ll need to invest for their dream home. Its important to be prepared for home

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3 Options to Save More on Real Estate Agents
Nov 06

3 Options to Save More on Real Estate Agents

If you’re a first-time home buyer, calculating how much your dream house is going to cost you over a lifetime, you can take some solace from the fact that the seller pays the commissions for both sides in a home transaction. Most of us have come to accept the custom that those commissions are generally

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Why Owning a Car Could Wreck Your Finances
Nov 04

Why Owning a Car Could Wreck Your Finances

If you really want to make this a “December (or November) to Remember,” don’t buy a car. Despite the seasonal sales pitch by Lexus and other car dealers to take advantage of some of the best pricing of the year, the disadvantages of owning a car should continue to keep you far away from automobile

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