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Deeper Into Credit Card Debt With No Regrets This Holiday Season
This holiday season, spending increased 7.9 percent from a year ago (according to the MasterCard Spending Pulse report). People spent more money on gifts, making many retailers happy and helping the...
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How I Live Without a Credit Card
I am 29 years old, and I’ve never had a credit card – ever. I didn’t know this was unusual until other people were shocked and surprised that I have never had one. Here are the main points that people...
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One Day To Financial Freedom
Today I have published, in partnership with Forbes, my third eBook, “Richer in 7 Hours: Financial Tips & Tools To Grow Your Net Worth.” January is a wonderful time of year if you want to help...
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What Happens to Debt When You (or family members) Die?
Debt is pervasive in the United States. According to a report by The Pew Charitable Trusts, 8 in 10 Americans have some sort of debt, and older generations are bringing debt into retirement. This begs...
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How to Get Your Hospital Bill Reduced or Even Eliminated
Here’s a little secret that many hospitals don’t want you to know: the bill they send you is only an initial offer. There is almost always room to negotiate, and in some cases you can get your bill...
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Review: Alliant Credit Union Visa Platinum Card Balance Transfer
A balance transfer is one way to kick-start debt repayment. Alliant Credit Union offers two balance transfer cards with low introductory interest – the Visa Platinum Card and the Visa Platinum Rewards...
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Review: BankAmericard Visa 0% for 18 months Balance Transfer
Need to take control of your credit card debt? Try a balance transfer. It’s a great way to get a majority, if not all, of your payments to actually be applied to the principal balance. An...
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Should You Crowdfund Your Student Loan Debt?
Crowdfunding gets a lot of attention these days. Whether it’s a jacket that doubles as a neck pillow or a helping remake an all-time classic movie, it seems there’s no limit to what people can group...
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Can a Debt Collector Get Into My Bank Account?
Can a creditor get into your bank account if you don’t pay your debts? The short answer is: maybe. Whether and to what extent a creditor can get into your bank account depends on your specific...
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19 Options to Refinance Student Loans – Get Your Lowest Rate
Updated: February 5, 2016 Are you tired of paying a high interest rate on your student loan debt? Are you looking for ways to refinance student loans at a lower interest rate, but don’t know where to...
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Prosper Personal Loan Review
Updated February 16, 2016 Prosper is a peer-to-peer lending platform that offers a quick and convenient way to take out loans with fixed and low interest rates. It takes minutes to fill out an...
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5 Things You’re Doing That Stop You From Getting Out of Debt
When you’re on a path to lower the amount of debt you owe, it might seem like every step you make is geared solely towards that goal. While that’s probably true, there may be some things you’re doing...
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3 Important Things to Do Right Now If You’re in Debt
A recent Pew Charitable Trusts study found that 80 percent of households in America hold some form of debt. If you have debt, you’re probably in one of two minds: Either your debt is constantly on...
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When late payments hurt your credit and how long it lasts
When you borrow money—whether it is to buy a car, refinance other debt, continue your education, purchase plane tickets, pay medical bills, or go shopping—you sign a contract that outlines the rules...
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How to Negotiate a Medical Bill Like a Pro
Rising healthcare costs are something that pretty much every American has to deal with, and unfortunately soaring deductibles and out-of-pocket limits only make the situation worse. In fact, one...
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Lending Club For Borrowers: A Complete Review
If you are looking to take out a loan, LendingClub* could be a great option. They are now approving people with credit scores as low as 620, and for loan amounts up to $40,000. The Annual Percentage...
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The True Cost of Using Student Loans to Cover Living Expenses
The first two years I was in grad school, back in 2007-2008, I used to buy a panini in the food court every single weekday for lunch, for about $8. By late afternoon I was often hungry again, so I’d...
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“How I Dealt With a Surprise $4,800 Medical Bill”
In 2011, Thomas Nitzsche needed two surgeries to have some pre-cancerous areas removed. Even though he did have health insurance at the time — and that health insurance covered 80% of his procedures —...
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Should You Ever Lease a Car? Here’s What You Need to Know
If you’re in the market for a new car, you may be wondering whether it would be better for you to lease or outright buy new your set of wheels. While there are many factors to consider, we’ll put it...
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6 Reasons You Might Need to Take a Low-Paying Job
It seems like every day a new corporation announces its decision to layoff hundreds or thousands of U.S. workers and ship the jobs overseas. The cosmetic company Avon, for example, just recently...
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