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Author Archives: Noreen Ruth

Financially Preparing to Buy Your First Home

One of the most exciting moments in many people’s lives comes when they purchase their first home. It should never be an impulsive decision, though, but one that you’ve put a great deal of thought and planning into… especially when it comes to the financial side of things. Whether you’re approved for the ‘perfect’ homeMore »

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Begin The New Year with a New Financial Attitude

It’s never too late to do the right thing when it comes to financial matters, and a great time to start is in the New Year. With a simple investment of a few minutes of time, you will be less vulnerable to identity theft and fraud, see improvements in your overall financial picture and setMore »

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Staying Motivated When Paying Down Debt

The things that are worth doing the most in life will often require perseverance. Consider what it takes to quit smoking or lose weight – big moves that often involve drastic changes in all areas of your personal life. The necessity of paying off large amounts of unsecured debt falls into this same category of life-alteringMore »

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Never Choose Credit Card Based On Rewards

Rewards used by credit card companies to entice new customers to apply are effective promotions that provide small benefits. While they may be beneficial for those who are wise enough to balance the rewards with the overall costs, credit card issuers know that many of us have an inclination to impulsively jump at the chanceMore »

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Liability or Asset? Debt Is a Matter of Attitude

Just as coins have two sides, there are opposing situations in finance – something is either considered a “liability “or an “asset.” Your finances should never be balanced; on the contrary, they should tip to a great degree to the asset side. For example, if you have a limited budget, it would be better to payMore »

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Defining an Effective Payment Hierarchy

There are a lot of things in life that make more sense and work better when a specific order is followed. It doesn’t make sense, for example, to expect to harvest a crop if you haven’t planted the seed and nurtured them to maturity. In the same way, your financial future is dependent on prioritizingMore »

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Holiday Shopping With Your Smartphone

Holiday sales promotions are being thrust upon us sooner this year than ever before with advertising being rolled out weeks before Halloween. Retailers and online merchants are hoping to cash in on $640 billion in holiday spending. More than 10% will be ecommerce sales expected to exceed $60 billion; of that figure, mobile sales areMore »

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4 Ways You May be Wasting Your Money

The problem with suggesting that people are wasting money is that most people are oblivious to the fact that they’re spending unwisely. Try writing down a list of ways you’re unintentionally throwing away money and you may be hard pressed to come up with more than a few. That’s because when something becomes a habitMore »

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ID Theft Reported Less But Still a Threat

There was a time, not that long ago, when news stories about identity theft were so pervasive that it struck fear in the hearts of most Americans. Self-promoting salesmen used scare tactics to sell security products and the media regularly used the subject to keep you tuned in to the evening news. While the issueMore »

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How We (as Americans) Define Success

Individual hopes and dreams comprise the collective notion of the American dream. It’s the idea that by working hard everyone has the potential to succeed and generally includes a list of goals. During the last century, the definition of the American dream would have included home ownership, secure employment, a car and a happy family.More »

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