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Small business in budget

It’s no secret that you pay fees and other charges for every credit card or debit card transaction you accept. But, what you might not know is how these fees work, exactly. Here’s how you can avoid some of the more onerous fees, and lower your operating costs. Use Direct Cost Payment Processing Direct cost [...]

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How to fix a bad credit score

Living with poor credit is not impossible in America, nowadays; but it is difficult. Your less than perfect credit can make many things difficult or pricier for you. For example, your insurance company may charge higher interest rates if you have a bad credit score. So it is important that you repair your credit score. [...]

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credit use

Ever since the meltdown in the financial sector in 2007 – 2009 regulations have been put in place for most of the financial industry including credit cards. The Credit Card Act of 2009 put in greater accountability, disclosures and limits fees / rate levels. The government has had pressure to regulate credit cards further in [...]

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894035077_e11024cac2

Loans, credit cards and overdraft approvals all rely on your credit score. A machine assesses your credit worthiness. This makes life difficult when applying for a loan as you may have a poor credit score, even if you are in a highly paid job and pay your bills on time. Terms and conditions for all [...]

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ccard

Proper credit card management starts with grasping the fundamentals of your credit card service. There are different types of credit cards all subject to different conditions and rules. Understanding such facts will help you make responsible use of your credit card: 1. Types of credit cards There are two main types of cards: General cards and [...]

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vacation1

Many people watch their personal finances closely throughout the year and then end up blowing their budget while planning, or enjoying, a vacation. Family holidays can rapidly become a very expensive adventure, and turn into a budget-killer that requires playing money catch-up for the rest of the year. While many vacationers feel that they have [...]

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What you can do to rid yourself of Zombie debt

Do you really wish to pull out of your debt burden forever? For a majority of us, the matter of debt relief is posing serious challenges as we’re losing control over our huge volume of consumer debt. You must try and do a small research prior to making a wise decision. In order to curb [...]

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ccard

It is an inevitable truth that every country has its way of determining the credit worthiness of the individual citizen. However, if you want to know more about the perfect credit score related with your country, you can try and highlight the special level of financial responsibilities. On the other hand, as per the latest [...]

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894035077_e11024cac2

Credit cards have received bad publicity in the past few years. However, they still remain one of the best ways to shop from day to day. Credit cards offer various benefits to their users including those listed below. 1.       Security Credit cards are a great way to always have money with you without the fear [...]

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dogs

  What’s a guy to do when he’s so deep in debt that he can’t climb out from under?  Like you are buried deep in a mile-wide snow drift in the Swiss Alps?  It’s time to take drastic action.  If this sounds like you, drastic means three things. First, you have to stop squirming and [...]

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Digital Influence in Debt Management

Paying off debt is a huge fiscal responsibility and studies have shown that psychological conditions like depression and neurosis are more common in people who have debt. The average U.S. household credit card debt last year was $15,279. In 2008, it was $8,329. Most of the debt comprises of mortgage payments, which stands at $149,456. This [...]

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Free Budgeting software to better manage your money

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