Buying a House Is a Great Investment but Takes a lot of Time to Find Right Mortgage

My boyfriend recently went through the process of purchasing a home here and let me tell you what, the process is unlike it used to be back when I purchased my first home in 2005. There are so many mortgage options available with different rates as well as different regulations set forth as to what type of home you can purchase. Check out Canadian mortgage rates online or you can check out American mortgage rates online just about anywhere on the Internet. I believe checking out the mortgage rates in your area is the first step in any home buying […]

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5 good reasons to get a credit card

If you’re lucky enough to be in a reasonably healthy financial situation you may wonder why you’d even need to use a credit card. However, even the wealthiest individuals make use of them, so there must be some benefits. Here are a few of our favourite reasons to consider them: Improve your credit score Lenders like to see evidence you’re a responsible borrower and a worthwhile risk before giving you access to credit. While you may not need this immediately, it’s always worth having one eye on the future. For example, a good credit score will boost your chances of […]

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Life investments that will bring value to your finances

Making investments is not an easy matter. There is a lot of careful consideration that needs to be done in order to make sure that you make the right decision. It is important to give a lot of thought to things that you will be investing in to, for the whole of your life or at least a significant chunk of it. Life insurance There are many people who do not like the idea of life insurance, but if it is carefully chosen it can be very valuable. It can add a great deal of money to your estate when […]

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Avoid the Retail Therapy of Shopping

There are some people that use shopping as a therapy. They feel good by going out to buy things. They feel that the items make them feel happy. They may do this for all sorts of reasons. However, hhere are a lot of reasons why this may not be a good idea. These apply if you do not have much money, storage space or time and regret your purchases afterwards. Cost The cost of shopping is probably the main reason why it is not a good idea. There are very few people who can afford to do something like this […]

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Getting out of Debt with Help

I have debt, don’t we all? I assume there are some of my readers out there who have amazing credit and have always done well with budgeting, I am not one of those. I wish I was. I am beginning to be, however, I was not always. When I turned 18 years old credit card companies mailed me credit cards directly in the mail. Just call to activate they said. Literally the cards were ready to be activated in my name, without me ever calling nor applying for them. That doesn’t happen these days it seems, but it did happen […]

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The In’s and Out’s of Family Insurance

It is a question that always gives families pause for concern, as there is never really a right time or a wrong time. When is a good time to buy insurance? You may think you don’t need health insurance if you are young and strong, with no known medical problems. Should you get it anyway? This is only one of the questions facing people as they navigate a complicated insurance maze. Here are some other tips to think about when deciding whether or not to buy insurance. 1. Always Think About Life If you have reached adult age and are […]

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Have You Ever Done a Payday Loan or Cash Advance?

Back in the years of being a single mom to my daughter there were times when I had to go to the local cash advance place and take out a payday loan. This was an easy way to get some cash to pay overdue, disconnect bill notices. I had no choice but to take advantage of the payday loan or cash advance loan system. That place is no longer here and so when I was married and we were low on cash, we had to go to the Internet to search out various payday loan options. What we found out […]

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Ever Wonder How To Get Refund from Website Auto Pay Setup?

Anyone who has ever signed up for a website online using PayPal or a credit card has been in this position before at least once; when you want to cancel that auto payment setup that is automatic whenever you sign up for most websites online. That fine print is important to read, I have learned the hard way many years ago to read that fine print, especially if you are putting your PayPal or credit card information into a website.  It can be extremely difficult or confusing to try to opt out of this auto payment structure should you decide […]

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How I Used Debt Consolidation Services to Free Myself of Credit Card Debt

It was the summer of 2000… I had graduated high school, and was excited to continue on working in a fabulous office for who knows how long. My resume had been built up, money was great, and then it happened… Credit cards starting arriving in the mail! I must have received a total of five credit cards without even applying for them. Visa, MasterCard, Fashion Bug, you name it! The card would arrive, and instead of cutting it up, as I would do these days, I used them all. At age 18 I maxed out five credit cards and after […]

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