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All of us want to steer a cheerful and prosperous life. Every day we want different things and the needs never end!! Meanwhile, at certain times we try to get some things that cost us extra. Similarly, this desire of us wanting more sometimes leads us to take debts and then fulfill them. Nonetheless, debt

To apply for loans or credit cards maintaining a good credit score is essential there are plenty of things that can be done to maintain a perfect credit score that is so hard to build, and one excellent reason why it should be done is money. There are many advantages of having a perfect credit

 In the world of investing, buying, and selling, there may be instances where you would require a loan. One of the primary conditions that make you eligible for a loan is a good credit card score. Credit scores range from 300 to 900 and anything beyond 620 is impressive and trustworthy. Any score below 300

Consequences of missing one or more credit card payments After one missed payment, there will be a charge of a late payment fee of up to $40. If subsequent payments within six months are not complete, the charge will be up to $40. The fee keeps compiling to the balance and starts accumulating interest based on

Applying for a loan can be nerve-racking, especially when it comes to technical terms like interest rates, payment terms, prepayment penalties, term, amount, payment schedule, etc. Although these terms are essential, you should know each of them before applying for a loan. People tend to focus more on the advanced technical terms related to a

What is financial literacy: Financial literacy is a concept or skill to learn in today’s world. Moreover, financial literacy helps you to improve your financial intelligence. Financial literacy is nothing but a set of skills that makes you achieve your financial goals. With financial knowledge, you learn to control your money by yourself.  Financial literacy

Loan, money concept

Repayment capacity measures comprise the capital debt repayment capacity, capital debt repayment margin, replacement margin, term debt, and capital lease coverage ratio. Capital debt repayment capacity, capital debt repayment margin, and the term debt and capital lease coverage ratio mark a borrowers’ capacity to repay operating loans. Also, to protect the current part of principal and

Credit repair plate in a office

Credit is an essential factor when buying, leasing, and purchasing a new vehicle. It makes sense that we as consumers can look as clean as possible on paper and resolve issues as quickly as possible. Checking your creditworthiness from time to time is a good idea. But what if you find things on our credit

Credit cards, lines of credit or credit lines, and short-term loans, all work very differently from each other. Each has its working procedure. Everybody these days carries credit cards and very well knows how to use them. But very few know about credit lines. They both can have the same type of revolving credit. Both

REVERSE MORTGAGE with 20 dollar bills at the bottom

In short, a reverse mortgage is a loan. A homeowner who is 62 or older and has substantial home equity can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment, or line of credit. Unlike a forward mortgage, the type of reverse mortgage used does not require

3 chits that say Frequently Asked Question

For most people, to think about their credit and attempting to improve it usually is not a good time. But credit is so essential that when in need, let’s say when it is time to buy a house or a car people will wish that they had given it some thinking. Ultimately, having a good

A credit score is one of the most important measures of a person’s financial health. It tells lenders at a glance how responsibly the person uses the credit. The better the score, the easier it will be to get approved for new loans or lines of credit. A higher credit score can also pave the way

Credit-Related Issues

A credit score is a number that lenders use to ascertain the risk of loaning money to a given borrower. Your credit history can decide if you can get a loan, and even where you live or work. Also, Credit card companies, auto dealers, and mortgage bankers are three kinds of lenders who will examine

If you are scraping under a mountain of debt, you might be able to work with creditors and even debt collectors to make things more practical. This process is generally called debt negotiation. For instance, you may pay off a debt by having the creditor accept a lower amount if you pay an up-front amount,

How to cope up with debt?

Every one of us loves you have all the wishes of life that we have dreamt of at some point in our lives. At times, we even desire certain things that we know are out of reach but still, we do, and then often such desires lead us to take debts and then fulfill them.

Have you ever been in a situation where you needed money urgently? Who is your first choice to ask for money? To whom do you go to borrow the money? Some of you may be having a credit card and may use that, but what about those who do not have one? Some of us

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Are you also experiencing the problem of debt? Yes, it is common but this problem can cause severe damage to your life. Paying off debt requires a lot of sacrifices and fortitude but once you get the success in it, your life will become very plain-sailing.  But, again a question arises how to save money

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You will be keen to know that the very last time the United States Federal government was absolutely free from all the debts was in the year 1835. Since now, the national debt in America lounge around $23 trillion which is a very large amount. Seriously! This will surely surprise you that they have fewer

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When you feel peaky, you go for a doctor check-up; when you feel pain in your teeth, you go for a dentist check-up; you care for your physical health so much, likewise, financial health is also pivotal to live your life contentedly and cozily.  You should erratically pay attention to your financial health.  Our finances

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WE ARE FREE FROM DEBT! These are one of those five words everyone wants to shout out loud in their life. Let us speak about debt. Start thinking about the debts you are currently suffering from. They can either be debt on the automobile loan, student loan, or credit card balance that is increasing month-over-month

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