Christmas Shipping Can Still Be Free Are you a procrastinator who hasn’t started your holiday shopping yet? If not, are you still hunting for deals even after Black Friday, Small Business Saturday, Cyber Monday and Green Monday? In any case, you still want to take advantage of online bargains and free shipping offers. You’re in
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Identity theft is rampant in America. According to Javelin Strategy and Research, 16.7 million Americans were affected by identity theft just in the year 2017, with a total of $16.8 billion stolen – an average of just over $1,000 per affected American. Unfortunately, identity thieves steal more than just money. By extension, they steal your
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Life can be difficult without the convenience of a credit card – but if you are just starting out on your own and have no job yet, or you’re down on your luck and currently unemployed, will you be able to qualify for a credit card? The answer is yes, within limitations. When credit card
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Moving during the holidays can be a headache with all the seasonal activities and obligations – not to mention unpleasant weather in many locations. However, there are plenty of positives to buying a home during the holidays that may make the headaches of moving worth the effort, including the seven listed below. 1. Less Competition
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By Eric Olsen, Executive Director, HELPS Nonprofit Law Firm It’s a constant struggle to stay afloat financially on disability income. Many disabled persons have credit card debt they can’t pay, often incurred before they were disabled. What can disabled persons do about telephone calls and letters from collectors? What happens if you are sued? As
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By Roshni Chowdhry, head of customer experience at SafetyNet Being laid off is not something most people plan for. Even though unemployment is low right now, some industries (including retail) have seen several layoffs in recent months. The bad news is that nobody is fully immune to layoffs. The good news? It’s possible to survive
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The holidays are upon us. For those of us feeling a financial pinch, this can be a time of stress and worry rather than one of happiness and caring. We hope that this article will remind you how to do more with less and how to stick to a budget for gift-giving. As for the
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Your checking account is a tempting target for thieves. You must stay alert for the many varieties of checking account scams – but first, you must be able to recognize a scam when you see one. Have you ever been targeted by any of the scams below? Free Prizes – This scam usually starts with
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The ability to save money is one of the many skills one must learn in order to become financially successful, and one of the most difficult. Moody’s Analytics analyzed different demographics and determined that savings rates increase as we age. Sadly, according to their data, only one age group saves between ten and fifteen percent
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What happens to your financial accounts when you pass away? They will be passed along to the beneficiary or beneficiaries designated for that account – but what happens when your beneficiaries are out-of-date? For example, what if your beneficiary passes away before you do? How about an old account where you named your children as
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Did your credit card limit unexpectedly decrease? If so, would you believe the good economy is the reason why? Capital One and Discover, two of America’s largest credit card issuers, recently announced a tightening of credit card limits despite the strong economy. Both companies cite risk management as the reason. While the economy may be
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Black Friday, this year on November 23, offers some of the lowest prices of the year on many consumer goods including TVs, other electronics and toys. Savvy shoppers save hundreds or even thousands of dollars on this single day. Shopping on Black Friday is extremely hectic and overwhelming due to so many amazing deals. Stores
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Do you know how your mortgage loan officer is compensated? You should if you plan to buy a home, because your loan officer’s compensation could have the potential to affect your mortgage loan – and proposed new changes could amplify the effects. At the beginning of 2014, the Consumer Financial Protection Bureau (CFPB) significantly changed
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What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
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Student loan debt in America has topped $1.5 trillion dollars, and millennials hold a large amount of that debt burden. As of 2017, 37.5% of Americans with student loan debt were under the age of thirty. A new study by MagnifyMoney highlights the difficulties millennials face because of their debt. Since student debt draws money
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You’re never too old to learn new things – including better money management practices. The Federal Deposit Insurance Corporation (FDIC) agrees. To address financial literacy concerns, the FDIC created the Money Smart teaching program in 2001 to help educators and financial institutions increase consumer understanding of basic financial systems work and how to use them
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Nearing the Limit The housing market has suffered from excess demand and limited supply for years, causing a sharp increase in home prices. Add continually increasing interest rates to the mix, and eventually something has to give. The turning point may have arrived. The S&P CoreLogic Case-Shiller report shows that home prices are still rising,
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Amazon will offer free shipping to all U.S. customers – not just Amazon Prime members – on holiday orders. Usually, non-Amazon Prime customers must spend at least $25 for free shipping on some items. Amazon Prime members gain several membership advantages, but one of the greatest is free shipping year-round. For only $119 per year,
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Since 2009, the Home Affordable Refinance Program (HARP) has helped qualified homeowners with limited equity in their homes find affordable refinancing. After seven program extensions, HARP is scheduled to end December 31, 2018, when new assistance programs from the mortgage-loan-backing agencies Fannie Mae and Freddie Mac will take its place. In the wake of the
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Most consumers know that credit cards can come with fees other than interest charges applied to balances. Annual fees, late payment fees, balance transfer fees, cash advance fees, foreign transaction fees … the list goes on. Did you know that debit cards could have fees as well? If not, don’t feel bad. In a recent
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You have several credit cards and a couple of killer rewards programs. Why not put them to good use and charge every purchase that you can? It’s smart to get the most out of your credit cards, but do so within a budget and with one thought in mind – “Is a credit card the
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The Home Affordable Refinance Program (HARP) has arguably been one of the most successful programs to assist homeowners affected by the subprime mortgage crisis. According to HousingWire, almost 3.5 million homeowners have been assisted by the program, with around 1 million of those homeowners having been underwater (owing more on their home than it was
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A reverse mortgage allows you to convert the equity in your home to cash that you can use for other purposes. Essentially, you’re selling your home back to a lender in increments. It’s a popular method for seniors to supplement living expenses. Repayments don’t begin until the owner permanently moves out of the home, passes
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