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Tired of overdraft fees? Sign up now for this free fee-blocking app
Banks make big bucks from overdraft fees — more than $11.6 billion in 2019 alone, according to one study from the Center for Responsible Lending. And those fees, which are charged to customers when they spend more than they have in their bank account, can add up quickly. A single overdraft fee, which hovers around […]
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12 Out-of-the-Box Ways to Vacation at Home
That dream vacation to the beach, theme park, or quiet mountain retreat might be out of reach right now, but that doesn’t mean you should just plow through the year at work, letting your vacation days go to waste. Studies show again and again that stepping away from work can translate into all kinds of […]
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To Bank or Not to Bank (We Have Questions) Part 1
North Philadelphia, Born and Raised… The term unbanked is described informally by the FDIC (Federal Deposit Insurance Corporation) as individuals who do not use banks or banking institutions in any capacity. They generally pay for things in cash, by money orders, or prepaid debit cards. Being underbanked means an individual may have a bank account […]
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How to Avoid Getting Scammed on Peer-to-Peer Apps
The days of cash may be over. More often, friends are splitting the restaurant tab by sending money via PayPal and parents are Venmoing babysitters their earnings after a night out. The use of peer-to-peer apps like Venmo, Zelle, and PayPal is booming. One forecast predicts that we’ll spend more than $1 trillion with them […]
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Pet Care for Our Furry Family Members
To say that the COVID pandemic has been a difficult time is an understatement, I realize this. To counterbalance the strain, people have been intentionally looking for ways to comfort themselves and their families. A tremendous upside has been the boost in pet adoptions. Many animal shelters are having every pet adopted out. People posted […]
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Is Minimalism Right for You?
When my husband and moved about eight years ago, we decided to get a storage pod so that we could pack at our leisure. Since we were both working, I thought this was a great idea. When my husband’s grandmother died, his mother inherited her things. When his mother passed away, we inherited all of […]
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The Power of Influencers
As a former photographer, I like to think I can spot digital manipulation from a mile away. I’ve used Photoshop and GIMP for years to edit photos for clients. I have spent thousands of hours using those apps to train my eye without me being completely aware. There’s a brand of lipstick I really like […]
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How to Protect Yourself and Avoid Reverse Mortgage Scams
Should you get a reverse mortgage? Avoid the scams first For people aged 62 and up, a reverse mortgage may seem like a tantalizing opportunity. After decades of sending in your monthly mortgage payments, you’re now getting money from your bank. A reverse mortgage siphons off the equity in your home and sends the cash […]
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The Importance of the Decision-Making Process
Decisions, decisions, decisions Every day we make dozens of important decisions. COVID-19, the subsequent lockdown, working from home, and schools being closed/open/closed/open, have worn us down. We just want to tick items off our list to stop the agitation. We’re all tired! Decision fatigue refers to the deteriorating quality of decisions made by an individual […]
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Apps For Your Finances
3 apps that can help you shore up your finances When it comes to managing your finances or looking for a new job or side gig, everything can be at your fingertips with the right apps on your smartphone. And at CESI Solutions, we’re especially excited to highlight a few of our partners who are […]