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It Pays (Literally) to Start Saving Now

  • April 29th, 2016

In case you haven’t heard, compound interest is the best.

You may remember it as an equation you had to memorize for math class, but it’s so much more than that. It’s the concept that powers all sorts of savings and investment products and, over time, allows you to turn your money into, well, more money!

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Colleges: How to Pick ‘Em

  • April 20th, 2016

It’s your junior or senior year in high school. You’ve taken the SAT’s and ACT’s and filled out the college apps. Now… Where should you send them? Good question! Not easily answered though. Here are a few things to consider when applying to college.

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5 Things You Should Know Before Buying a Car

  • April 11th, 2016

 

So you’ve been driving the same car since your junior year in high school, and now that you have a college degree and stable employment, it’s time to purchase a new car.  The thought of going to a dealership and spending all day trying to find the right car and then finding out how to finance said car are enough to make you second guess this decision. But here’s a nice little To-Do list before you make that trip to the car lot.

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I Totally Win at this Car Loan Thing

  • April 7th, 2016

Seriously guys, I just refinanced my car for a wayyy lower interest rate. If you’re like me, you bought your first car when you were young, around 18. And had a tough time getting approved. The worst thing about this whole “credit” deal is that if you don’t have any, they consider you a liability. Nobody wants to finance the millennial with little to no credit. If you’re lucky, you might have managed to get your parents or grandparents to cosign on a vehicle for you. But I was determined to do this on my own. So I walked into a dealership with no idea what to expect.

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Store Credit Cards: The Ugly Truth

  • March 31st, 2016

Hey you! Yeah, you, with the credit cards. Remember when you were shopping at the mall the other day and the cashier asked you, “Do you have a _____ credit card?” And you said no?

Remember how she then proceeded to say that you save 15% of today’s purchase if you open an account and charge your card? So you did. You were “instantly approved.” Who doesn’t wanna save 15%, right?

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Why Do I Need Credit?

  • March 15th, 2016

Credit is one of the single most important things you will need in your adult life. Credit is used for everything from applying for a loan to getting car insurance. (Yes, car insurance companies will raise your rates if you don’t have good credit.) That’s why it’s so important to start building credit as soon as you’re able to. It’s even more important to maintain a good credit score,

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4 Tips for First Time Home Buyers

  • March 7th, 2016

As a first time home buyer myself, it can seem very overwhelming on where to begin when considering buying your first home. Here are a few tips I have learned along the way.

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Boosting Your Credit Score: 4 Myths Debunked

  • March 3rd, 2016
Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Many people believe that improving them is a matter of trial and error and, as a result, there’s a lot of “credit score advice” floating around that can end up doing more harm than good. Four common credit score myths have been rounded up and debunked below:
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What’s a 401(k)?

  • February 29th, 2016

We’ve all heard the saying “Nothing in Life is Free.”  But is that true when it comes to your company 401(k)? I think not.

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Why I Love Credit Unions

  • February 25th, 2016

One of my fondest memories as a child was driving to the credit union with my mom to deposit her paycheck. These trips were usually right after school. My mom and I would talk during the drive, meanwhile oldies played on the radio. Each time we walked into the credit union, I was always amazed at how the tellers seemed to know my mom. They would ask her specific questions about work and our family – things that only friends would seem to know or care about. Even as a kid, I could tell this meant something to my mom.

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