Finance

January 15, 2020
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The January Effect Could Cost You Big Money

The January Effect Could Cost You Big Money

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If you're the type to try new things at the beginning of the year, be aware when investing. The January Effect could cost you big money. Around this time each year, shady investment firms show how they've managed their client's portfolios to increase their earning's growth. Not only is this inaccurate, but it could cost big money. Before investing, do some research. The more you know, the better your chances are in making long-term profits. What is the January Effect? The January Effect is the seasonal trend for stocks to increase in January. Since the early 20th century, the stock...
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January 7, 2020
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Financial Freedom Quotes Your Wallet Will Love

Financial Freedom Quotes Your Wallet Will Love

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They say every action starts with a thought. Why not let these financial freedom quotes motivate you? Below are the top 5 phrases to use for successful money management. 1. Use passion “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” -Pablo Picasso First and foremost, going into any goal takes passion. If you put your complete effort into your achievements, you're bound to have great results. When thinking about your next financial move, create a plan...
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January 3, 2020
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2020 is the Year You Should Pay Yourself First

2020 is the Year You Should Pay Yourself First

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The new year marks the perfect time to set future goals and make improvements. What did you do last year that you desire to change? Many people declare restrictions as part of their resolution. However, what if your goal provided a reward instead? For 2020, we suggest you pay yourself first, every single month. Pay yourself first to get ahead Primarily, you'll want to adopt the "pay yourself first" method as a way to pad your savings and investment accounts. You chose a percentage (1 through 5), and that amount of your income will go into your savings account before...
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December 18, 2019
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December is the Best Time to Buy a Car

December is the Best Time to Buy a Car

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Purchasing a car is a huge decision. Since most buyers finance, planning for this long-term commitment is a must. Are there ways to save in the long run? When is the best time to buy a car? Get ready for some money-saving tips, because the optimum time to get a new ride is now. Two words: Sales quotas The closer to the end it gets, the more pressure there is to meet the year's sales quotas. December is the best time to buy a car because dealers are more likely to bargain. Additionally, they offer their highest incentives as a...
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October 15, 2019
5
The Powerful Way the Credit Union Philosophy Improved Banking

How the Credit Union Philosophy Improved Banking

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The story of finance has been full of changes. Even to this day, our money continues to evolve. Opinions about wealth control the mainstream, so it's easy to understand how events shift. That being said, the credit union philosophy shook our entire set of banking conventions. The historic path of U.S. credit unions started with just a single notion. Though it took a lot to make it stick, we still reap the rewards. The birth of the credit union philosophy Alphonse Desjardins was a journalist with simple beliefs. He felt that it was wrong for lenders to benefit from making...
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October 4, 2019
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What is the Best APR for a Balance Transfer Promotion?

What is the Best Rate for a Balance Transfer?

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Want to know something about debt? It's everywhere. More than 189 million Americans have credit cards. Additionally, the average cardholder has at least three of them. So, why should we worry about the APR on a balance transfer promotion? Not only does switching to a lower APR help you get out of debt, but it's also a breath of fresh air. Imagine reducing multiple credit cards down to one and paying less interest all at the same time. Most people don't know their current APR It's true. Most people do not know the current APR of their credit cards. They work hard...
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September 26, 2019
1
Refinancing a Car Loan Can Free Your Budget

Refinancing a Car Loan Can Free Up Your Budget

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You've heard experts talk about refinancing. To be good with money is to be someone who knows how to use it wisely. Money moguls allow their accounts to work for them and debt is not an issue. Most of all, a high APR doesn't even cross their vocabulary. But, what if you're not an expert or a mogul? What if you're an everyday person and you just want more out of your monthly budget? You don't have the time (or interest) for games, and you think that refinancing a car loan should be straight forward. How is all of this...
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August 16, 2019
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How to Handle a Fraudulent Social Security Call

How to Handle a Fraudulent Social Security Call

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Robocallers, telemarketers, and crooks, oh my! The rash of scam phone calls is on the rise. Have you ever experienced a fraudulent Social Security call? If you answered "yes", you're not alone. Several people report receiving a pre-recorded message from the "Social Security Administration." The call attempts to retrieve personal information and/or payment. Similar to email scams, the recording evokes a sense of urgency. It advises callers to act quickly to avoid more penalties. Additionally, a fraudulent Social Security call will usually state that your account has been frozen. Does the Social Security office make phone calls? Beyond the recorded...
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June 13, 2019
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Short Term Financial Goals to Crush Debt Quickly

Short Term Financial Goals to Crush Debt Quickly

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Multiple debts are difficult to manage. Without specific long and short term financial goals in place, the vicious cycle has no end. In fact, the average American has over $38K in personal debt, not including their mortgages. Things like student loans, auto loans, and even store credit cards all play their part. So, what's the best way to tackle it? To answer this question, we created a list of short term financial goals. These tips will help you manage your revolving balances. Continue reading to find out more. How to get out of debt Getting out of debt means paying...
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