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7 Tips on How to Give Your Credit Score a Boost

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Your Credit Score May Be Costing You Thousands of Dollars

Credit score refers to a figure that reflects the probability of an individual repaying credit back. While calculating your credit score, banks and money lending institutions analyze the applicant’s credit file. This helps them know the risk involved in lending. Higher scores mean better chances of securing credit at good terms, such as lower interest rates. An individual’s credit score influence the chances of securing the following: Credit cards as well as secured loans Car financing Insurance monthly installments Property rentals A credit score will always be calculated irrespective of the loan a person wants to advance. Nevertheless, the way someone’s score is computed depends on the approached company. In other words, different companies use different approaches and so your … Read more

Tips For Finding the Most Affordable Car Insurance For Your Needs

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The world is currently home to well over 1 billion vehicles that are in use. Vehicle owners everywhere wish their cars were always in perfect condition, but that simply isn’t the case. While small things like flat tires, dead batteries, and other issues are common, so are car accidents and crashes. There are unfortunately tens of millions of injuries worldwide every year as a result of road crashes. While many of these happen in low or middle-income countries, serious injuries from car accidents are still quite common in the USA and Canada. Because of the prevalence of these crashes, and the significant costs they can rack up for everyone involved, car insurance is all but required for vehicle owners. However, … Read more

5 Tips for Using Start-Up Loans Wisely

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Getting a start-up off the ground requires money. It goes back to that old concept that says you have to spend money in order to make money. In light of that, the two biggest questions for any entrepreneur are how much money will be necessary to get the company off the ground and where will it come from. One of the options entrepreneurs look to are start-up loans from banks and private lenders. Loans are a good way to go inasmuch as they help a new company establish credit. They are also capable of providing more cash than would be available through credit cards and personal loans. They can be combined with other forms of business funding to keep a … Read more

Cyber Smart: Five Habits to Protect Your Family, Money, and Identity from Cyber Criminals

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Cyber Smart

The following is a book excerpt from Cyber Smart: Five Habits to Protect Your Family, Money, and Identity from Cyber Criminals by Bart McDonough. Bart McDonough is the CEO and Founder of Agio, a hybrid managed IT and cybersecurity services provider.  From Cyber Smart: Five Habits to Protect Your Family, Money, and Identity from Cyber Criminals Copyright © 2019 by John Wiley & Sons, Inc., Indianapolis, Indiana.  Used by arrangement with John Wiley & Sons, Inc. William and Nancy Skog had cherry-picked an impeccable, perfect, river-front residence in Wilmington, Illinois. Exhilarated by the thought of moving into their dream home, the Skogs could practically see their new lives—watching the tranquil riverboats cruise by and listening to the water birds sing. There was one final … Read more

5 Ways You Can Give Back to the Community

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Tips Saving Down Payment and Buying A House With Student Loan Debt

Most of us have hopes and plans to experience our definition of financial success. If you are fortunate enough to find yourself enjoying a stable income, with the ability to save and invest, these are good times for you indeed. Though investing in yourself, your family and your future are incredibly important, as you reach this point of success take a moment to consider the resources that have brought you to this point. No one reaches this stage in life by themselves and one of the best ways to show your gratitude is by giving back to the community that helped you along the way. There are many ways to enact this type of charitable giving, and business owner Neill Sullivan has been … Read more

Are You Aware of These Common Types of Credit Card Fraud?

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Can credit cards make you a millionaire?

Rather than wait until you’ve become a victim before you brush up on credit card frauds, it’s best that you keep yourself aware of the most recent and prevalent threats. That way, you can save yourself a lot of frustration, time, and money. An ounce of prevention is most certainly worth a pound of cure whenever there’s money (especially yours) involved. EMV Credit Card You’ve likely noticed that credit cards now come with chips to prevent the very type of fraud some fall prey to when getting a new chip card. What happens is scammers pretend they’re credit card issuers and email cardholders to tell them they need to update their personal information before receiving their new card. Cardholders respond … Read more