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Tips to Build Good Credit Without Going into Debt

09 Sep, 2017 / Comments:Comments Off on Tips to Build Good Credit Without Going into Debt / By Jennifer Hamilton

Sadly, a credit score can’t just be immediately boosted back up to a stellar number once it’s been tainted. This is because the credit bureaus take into account your financial history and past behaviors not just present actions. However, if you make the right moves and are also consistent about working to raise your credit score then you can raise your credit score slowly but surely. In fact, there are plenty of easy steps you can take in order to increase your credit score that doesn’t require

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Does Adding an Authorized User Build their Credit?

01 Jun, 2017 / Comments:Comments Off on Does Adding an Authorized User Build their Credit? / By Jennifer Hamilton

Having a son, daughter, spouse or other loved one become an authorized user of your account in order to boost their credit score is one of the most common strategies out there. It will help build up their credit score from scratch or repair it if it’s damaged. The authorized user strategy is a great one to use for both scenarios as long as it’s used correctly. How Authorized Users Work One person’s name, for instance, your son or daughter, will be added to an existing credit card account that

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Decoding Credit Card Offers Using The Schumer Box

26 May, 2017 / Comments:Comments Off on Decoding Credit Card Offers Using The Schumer Box / By Jennifer Hamilton

The Schumer Box was coined after Charles E. Schumer, the government official who aided in passing legislation in 1987 in order to shield consumers from out of line credit card practices. The Schumer box is composed of standardized disclosures that are clear and relevant for people to read and fully understand. It is required that they be on all financial records and incorporated into interest rates, terms and conditions, rate calculation and annual fees. With this available data, shoppers have the

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Top Tips on Saving Money on Electricity

24 Mar, 2017 / Comments:Comments Off on Top Tips on Saving Money on Electricity / By Jennifer Hamilton

Electricity is something that we all have to pay for. The bills seem to be increasing all of the time and it can be a struggle to find the money to pay them. There are many things that we can do to reduce our electricity costs though. Generate Your Own Generating your own electricity is something which is a lot easier to do these days. Technological advances have meant that solar panels, windmills and other electricity generation methods have become more affordable. It may be possible to generate

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Tips for Preparing Your Finances for the Holidays

03 Feb, 2017 / Comments:Comments Off on Tips for Preparing Your Finances for the Holidays / By Jennifer Hamilton

Black Friday is the official commencement of the crazy shopping frenzy, and if you are one of the millions who like to participate in the shopping madness during that time, as well as the weeks following then you should be aware of some tips to follow to have a stress free holiday season. As the holidays fast approach, it is all too common to go all out on the spending. However, this can lead to a strain on your finances. Instead, follow these five financial tips in preparing your finances and have

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What to Do When Debt Collectors Keep Calling

25 Jan, 2017 / Comments:Comments Off on What to Do When Debt Collectors Keep Calling / By Jennifer Hamilton

It can be a complete nightmare if the debt collector’s keep calling round to demand payments. You may find yourself dreading hearing a knock at the door and maybe going out to avoid it. Obviously if you have the money available to pay them, it is not so bad. Paying off the debts will also means that they will not have to call round anymore. However, this may seem impossible. There are many ways that you can get the money together to pay off the debt though. Work It may be that you have tried everything

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Tips for Sharing Expenses When Going Out with Friends

06 Jul, 2016 / Comments:Comments Off on Tips for Sharing Expenses When Going Out with Friends / By Jennifer Hamilton

Even if you and your group of friends are financially savvy professionals, it’s all too common to be reduced to bumbling incompetent consumers when it comes to splitting the expenses of your outing. It could be the taboo of discussing money in public or it could be the avoidance of social spending. On top of this, if you’re not careful you can end up spending more than you intended to. Luckily you can have a great time with your friends without stressing about how to split the bill. Here are

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Modern Day Tipping Guidelines

19 May, 2016 / Comments:Comments Off on Modern Day Tipping Guidelines / By Jennifer Hamilton

It seems that wherever you go there is a tip jar asking for a few dollars. Even at take-out joints and fast food restaurants it appears that it is expected to hand over a few dollars. However, with such shifting formalities of expected tipping practices it can be easy to mix up how much money you should tip to reward someone for their good service. It is not just restaurants that you have to tip either, as many service providers expect a reward. Restaurants Everyone knows that it is customary to

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Should You be Using a Credit Monitoring Service?

26 Apr, 2016 / Comments:Comments Off on Should You be Using a Credit Monitoring Service? / By Jennifer Hamilton

Identity theft is a very difficult problem to deal with, and one that you’re somewhat powerless to stop. The amount of doctors’ offices, government entities, and credit card companies, etc. that has your sensitive information is probably quite extensive. These institutions have your addresses, Social Security number and even your mother’s maiden name. How are you able to trust each and every person who has access to those electronic and paper records to keep it safe from identity thieves?

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How to Safely Build Credit From Scratch

07 Apr, 2016 / Comments:Comments Off on How to Safely Build Credit From Scratch / By Jennifer Hamilton

If you are just turning of age, or just haven’t gotten around to establishing credit then now is the time to do so. Be aware that your credit report affects almost every financial move that you make, including purchasing a car or home. It could even affect your chance of landing a job, as employers may check your credit report as part of the hiring process. Luckily, starting from scratch when it comes to establishing credit means that you have a clean slate to work from, and the opportunity to

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