Financial Ideas

Low Cost Investments for First-Time Investors

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First-time investors would be wise to start slowly when seeking their first low-cost investments. Investing only a small amount of cash creates less risk of losing money you can afford to lose when you don’t know the ropes. In this way, you’ll be learning as you go and potentially making some money without blowing thousands […]

Financial Ideas

Loans and Lines of Credit: Reviewing Funding Options

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Depending on your needs, there are many different funding options available to the average financial consumer. Lines of credit and loans are two of the more important options, but they have quite different implications. The right type of financing makes all the difference when you need emergency funding or financing for a special project. Buying […]

Financial Ideas

Financing Tips for Leasing or Buying Automobiles

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When you’re looking for a new vehicle, you have two basic options – lease or buy. You can either strike up a lease agreement with a dealer or purchase your vehicle with cash or through financing. Leasing provides short-term benefits without ownership while buying a vehicle is a more serious commitment to greater long-term value. […]

Financial Ideas

Money-Saving Tax Strategies at Year-End

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At the end of the year, personal taxes are probably one of the last things on your mind. However, this is a perfect time for implementing money-saving tax strategies to maximize your yearly deductions and minimize your upcoming tax bill. Use these last-minute strategies to save money on your taxes: 1. Delay some income One […]

Financial Ideas

Investing During Difficult Financial Times

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The same is true with real estate or stock markets since these represent investments with risks we may not be able to afford. Fear of failure or another downturn holds people back from taking risks like these. You can still make shrewd investments, but it requires you to be more cautious. Investing is one of […]

Financial Ideas

How to Pay Your Mortgage Off Early

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Owning a home is something everyone dreams of, but owning a home outright comes in a close second. Paying off your mortgage faster is a smart move, from a financial perspective. Being mortgage-free decreases your monthly expenses dramatically and enables you to fund other expenses like retirement, college funds, and day-to-day savings more easily. The […]

Financial Ideas

Have a Baby Without Going Broke

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Most people assume having a baby will cost them their entire savings, and then some. Worse yet, if you believe the shameless advertising geared towards new parents, you’ll probably spend more than you need to in order to raise your child properly. Sensible parents only buy things that are absolutely essential for their new baby. […]

Financial Ideas

How to Establish First-Time Credit

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Your future financial success depends on establishing and maintaining a good credit rating. Until you’ve established first-time credit, though, it often seems impossible to get anywhere with creditors. Young professionals are eager to start their finances on solid ground, but having no credit history makes this venture seem like a mountain you can’t climb. Use […]

Financial Ideas

Buy Your Dream House with a Low Credit Score

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It’s nice to know that the large sum of money you’re spending on your home each month is going towards an investment. If you rent a home or apartment, or condominium, however, your money is going towards your landlord’s investment, not yours. Are you tired of paying someone else’s mortgage each month? Then it’s time […]