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If you’re swimming in a sea of debt and you can’t see the shore, now is the time to look for help. In fact, the answer is always “now,” because the sooner you take control of debt, the faster you will take control of it. (more…)

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There have been a few scary stories going round recently about borrowers with excellent credit ratings who have still ended up struggling to pay for their homes or even defaulting on the mortgages. It just goes to show that you have to make sure you’re incredibly well-informed, even if you think you’re financially under control. (more…)

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If you’ve paid off debt - or even if you haven’t, but are working towards it - then many financial planners recommend that you also keep both a savings account and some kind of emergency fund. But what happens if your car needs a sudden, expensive repair, and you have to have your car to be able to get to your job? Where should you pay this bill from - your savings account or your emergency funds? (more…)

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Asking yourself if you’re on the route to having enough money to comfortably retire is not only responsible, but necessary. You know how much you have in your 401(k), IRA, and savings account, you know how much Social Security you’ll receive and what your pension will look like, but you need to look at several puzzle pieces determine whether you have enough to retire. (more…)

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A recent post at CNN Money had a lot of useful information for Americans who are either approaching retirement or who are younger and working and should be thinking more about how to fund their retirement. The three key points they made were: (more…)

It’s bad enough if you end up in some financial difficulties yourself and harm your credit rating, but if someone steals your identity and you end up with a bad credit rating without doing anything yourself, that can be very annoying and extremely inconvenient. Not only that, it’s becoming increasingly common, as we leave details of our identities in more and more places. (more…)