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debt

How Can You Manage Your Debt?

May 28, 2018
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Understanding how much debt you can handle and being smart about managing it can help you pursue long-term financial goals. Consider the following tips when analyzing how much you owe. 1. Calculate how much debt you carry. Although there are exceptions for special situations, many mortgage providers consider the most attractive candidates to be those…

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Teaching Your College-Age Child about Money

July 17, 2017
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When your child first started school, you doled out the change for milk and a snack on a daily basis. But now that your kindergartner has grown up, it’s time for you to make sure that your child has enough financial knowledge to manage money at college. Lesson 1: Budgeting 101 Perhaps your child already…

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Debt Management

December 28, 2015

What is debt management? As a modern consumer, you need credit. When you were growing up, you may have heard your parents or grandparents say, “If you can’t pay for it with cash, then you can’t afford to buy it.” That may have been sound advice 40 or even 20 years ago, but such attitudes…

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Teaching Your College-Age Child about Money

August 28, 2015
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When your child first started school, you doled out the change for milk and a snack on a daily basis. But now that your kindergartner has grown up, it’s time for you to make sure that your child has enough financial knowledge to manage money at college. Lesson 1: Budgeting 101 Perhaps your child already…

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Debt Consolidation

August 10, 2015

If you have a lot of debt, you’re not alone. Today, more and more Americans are burdened with credit card and loan payments. So whether you are trying to improve your money management, having difficulty making ends meet, want to lower your monthly loan payments, or just can’t seem to keep up with all of…

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Credit Traps for the Unwary

April 29, 2015

It’s hard to imagine functioning in today’s society without access to credit. However, you need to be careful not to fall victim to some of the pitfalls associated with it. Revolving credit can make it hard for you to pay off debt Credit cards allow you to spend money you don’t currently have, and to…

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Pay Down Debt or Save for Retirement?

October 1, 2014
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You can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, you may be torn between paying off debt and the need to save for retirement.…

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Frequently Asked Questions – I'm marrying someone with bad credit. How will this affect me?

August 21, 2012
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Answer:  You are not responsible for your future spouse’s bad credit or debt, unless you choose to take it on by getting a loan together to pay off the debt. However, your future spouse’s credit problems can prevent you from getting credit as a couple after you’re married. Even if you’ve had spotless credit, you…

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Are You Sabotaging Your Finances With Your Spouse?

June 11, 2012
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This is a repost of a great article I read this morning.  It is extremely relevant in this day of underwater mortgages and the thought still of, “keeping up with the Jonses.” How Couples Sabotage Their Finances  Simple principles still apply here: Spend less than you make Have a shared financial budget Save in tax…

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Life Insurance: Protecting Today's Assets and Tomorrow's Heirs

December 19, 2010
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Many people obtain life insurance when they first have children and then forget about it, except for when the premium bill comes due. But an effective financial plan includes reexamining your life insurance needs continually throughout your life to ensure the assets you’ve accumulated are protected and to provide additional opportunities to create wealth. Estimate…

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