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How To Talk Retirement Savings With Your Parents: 6 Essential Tips
The topic of retirement savings isn’t untouchable. Here are 6 ways to effortlessly discuss smart saving with your parents.
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5 Simple Ways to Boost Your Credit Health
Your credit score is kind of like your school grade point average. It’s a score that grades your credit worthiness and how you measure up to other credit card holders. The average credit score hovers around 670 in the United States. That’s not a failing grade … but it’s 70 points below the optimal credit […]
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Have Credit? Seven Ways to Use Credit Wisely
Household debt can be a constant worry for many Americans, who agonize over how they’ll cover everything from daily bus fares to their rent or mortgage. The good news is that fewer households have debt, according to a report from the U.S. Census Bureau. The bad news: The households that do have bills have more. […]
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Just Say NO to These 5 Credit Myths
Debt is a problem for a lot of people and this starts with the misconception of smart ways to use credit a.k.a. credit myths…
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Rent-to-Own: How Your $700 Computer Can End Up Costing You $2,000
Most of us would quickly run the other way if a merchant told us they were going to charge us $2,000 for an item that is only worth $700, right? Our response, and rightly so, would probably be somewhere along the lines of “You’re CRAZY if you think I’m going to spend that much on […]
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Paycheck In Hand? 5 Payday Habits You Should Develop Now
Here are 5 habits to develop each time you get that paycheck…
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Protecting Your Kids From Identity Theft
Knowing how to protect your kids from identity theft is crucial information to know to safeguard their futures. If their identities are stolen when they are children, it can cause them problems in the future when they apply for jobs, for college, or for credit; (an apartment, home or car.) How are child identities stolen? […]
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How to Motivate Yourself to Get Out of Debt
The first step to get out of debt is motivating yourself to take action. It’s easy to let yourself feel overwhelmed with guilt while bills continue to arrive in the mail. At CESI, we find the following steps helpful in building your motivation to get out of debt: Know That You are Not Alone Whether […]
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6 Pieces of Bad Financial Advice to Avoid
Stay away from these six pieces of bad financial advice because they only end up in financial ruins with debt, no savings and overspending.
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When New Debt Might Be the Right Choice
Have you bought into the myth that credit cards and loans are always a bad choice? Here are 3 circumstances where new debt may be helpful.