Credit scores fluctuate, and keeping yours excellent is a challenging goal. But there are specific guidelines to maintain a consistent credit history. Solutions exist even if you wish to repair your bad credit or have no credit history at all. However, there is no shortcut...
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While not all unforeseen events are adverse, the big ones that affect your future tend to be negative surprises. This possibility of unanticipated financial hardship means you may need to alter the way you manage money. Planning and saving now will make those emergencies and...
There are plenty of companies vying for your spending. In fact, most retailers would far rather make even a minuscule profit rather than seeing you go to one of their competitors. They prefer their customers to be loyal – once they get you into the...
Have you, as an employee, ever thought about how much companies hate to hire new people? The process itself is tedious from their perspective, but more importantly, it costs them a lot of money. Besides the direct costs, there's also a major bottleneck most people...
Compromised personal details can ruin your life. One morning, you can find your bank accounts empty or having no access to them. You can even have a surprise lien on your house or the police pounding on your door accusing you of a crime. So,...
You may never have thought of doing this yourself, but did you know that it's actually legal to issue your own money as an alternative to the U.S dollar? It's not, however, recommended to do so unless it's explicitly designed to be a local currency;...
Buying a home is the most significant purchase in the life of many people. Hence, you may wonder how to get the best interest rate on mortgage, which is not easy to resolve. Plus, if you’re unfamiliar with the available financing options, you can end...
Some of you reading this may remember a time when TV, radio and print media (mainly newspapers, but also stuff like billboards) were the only way businesses could advertise and compete for the public's business. Instead of arising in a flash, popular brands took years...
Are you in the mood for a refreshing mojito but don't want to spend too much on drinks? You can now make one at home! You may not think of yourself as much of a bartender, but we dare you to try these easy drinks...
One of the best things about living in today's world is that one can profit from anything. There are many weird ways to make money. That includes anything from being a professional cuddler - yes, you read that right - to crying for cash! You...
Have you ever had that eureka moment for a product or service and gave up because it takes too much time and hard work? Or you have a bright concept but don’t know where to start. Bringing your idea to life isn’t easy. You must...
Have you ever read Oliver Twist? The only tragedy surrounding this book, for most people, is that they're forced to read it at school. The truth is far darker: it is essentially based on a real-life story. When he was 12 years old, Charles Dickens'...
Debt collection agencies are the inevitable evil in the U.S. credit system. Even worse, their tactics can often be predatory or illegal. So if debt collectors have contacted you for a past-due balance, think twice. Stepping into the process blindly can give the debt agency...
You don't need to go to Myanmar or Mozambique to find poverty: prior to the coronavirus outbreak, one in seven American children couldn't be sure of getting enough to eat without free meals for kids being available. This figure may by now have risen to...