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HOW TO AVOID CREDIT CARD FRAUD

No one is immune to credit card fraud; hence it might be worth reading up on our tips on helping avoid credit card fraud. And while there’s no foolproof way to guarantee you will never be a victim, there are ways to reduce your risk. These include: Don’t throw personal documents into the bin If […]

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How to apply for a personal loan

A personal loan is a handy tool to cover any large expense. Before you apply, learn what you’ll need to complete an application and increase your chances of approval. 8 steps to take before getting started Before you start on the loan process, confirm what type of loan you need. Personal loans are generally unsecured, […]

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How to Apply for a Personal Loan

Whenever you ask a lender for any kind of credit, you’ll have to go through the application process. However, before you submit a personal loan application, it’s important to review your credit report and your credit score, so you’ll understand what lenders might see when they pull your credit report and scores. Remember, checking your own credit report […]

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How to apply for a mortgage

Once you find a home that meets your preferences, needs and budget, it’s time to apply for your loan. You’ll need to select a lender and complete an application. Depending on the lender, you may be able to apply in person, by phone or online. All lenders require you to provide information about yourself and […]

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How to Apply for a Federal Student Loan

The federal financial aid process can take several weeks to complete and can be difficult for borrowers to navigate. The list below details the steps required to secure a federal financial aid, from filing a FAFSA® to accepting a financial aid package Complete and submit a current year FAFSA® The Free Application for Federal Student Aid […]

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BENEFITS OF DEBT NEGOTIATION

You’re finally ready to admit it. You’re in serious trouble financially. You made the mistake of thinking each month that you could make things better or that it was okay because you were making at least the minimum payments on your credit cards. But you just can’t deny the facts any longer. You now owe […]

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Basic Money Lessons Everyone Should Know

Where should we learn how to handle money? School. But we don’t. Instead, what you know — or don’t know — about finances stems from a number of factors: how you were raised and what you learned from friends, financial advisors, a spouse, random Internet searches, and so on. Which leads to money habits that aren’t ideal. So we […]

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What is Bankruptcy?

Bankruptcy is a court proceeding in which a judge and court trustee examine the assets and liabilities of individuals and businesses that can’t pay their bills and decide whether to discharge those debts so they are no longer legally required to pay them. Bankruptcy laws were written to give people whose finances collapsed a chance […]

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Avoid Grant Scams

You’ve won Free Money – just send me $$$… No legitimate federal government employee would ever call you and tell you that you qualify or have been approved for a grant for which you never applied. Protect yourself from scammers that tell you that you need to pay a small processing fee to qualify to […]

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Asset Allocation 101

Asset allocation involves dividing an investment portfolio among different asset categories, such as stocks, bonds, and cash. The process of determining which mix of assets to hold in your portfolio is a very personal one. The asset allocation that works best for you at any given point in your life will depend largely on your […]

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