Review of Extended Car Warranty Services

auto warranty

No matter what type of auto you are going to buy – used or new – the dealer and the manufacturer warranty will only work for about five to ten years or from 50,000 to 100,000 miles.

It will only depend on the time when your auto warranty will expire. On the other hand, an extended auto warranty can result in better and longer coverage of your vehicle that will go far beyond the pale of manufacturer warranty.

Here are our tips and reasons why you should consider turning to the extended car warranty service and what benefits you can get.

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Where Can I Get a Personal Loans Near Me?

loan places near me

We’ve all been there when you have a financial emergency you need to deal with. You may either need money to get your car repaired urgently, boost your business or for some reason. And what if you have not the greatest credit score?

Then, your chances to get an instant help are melting away. You may ask yourself “where can I find personal loans for bad credit near me?” It may be a good idea to search for the suitable lender locally. But why don’t you consider online options?

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Useful Tips for Savvy Easter

easter money saving

Easter is one of the most favorite holidays for both kids and adults. As we all can see, time is running fast and the holiday is coming already in a little bit more than just one week! Every holiday makes us happy and excited but there’s also the other side.

Most people think that having a good time and buying all the necessary Easter items requires a lot of money and  they have to break an emergency fund to make all the necessary purchases. Our financial experts are ready to help you with advice and to prove that celebrating Easter can be affordable! Continue reading to get to know how to save money and buy everything you need.

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Living Below your Means: Not as Hard at All

live within your means

Unfortunately, financial problems are a part of life and sooner or later everybody face them. But while some people can’t get out of a debt cycle, others try to live within their means and have a need to deal with money problems quite seldom. The question is: how to make your lifestyle frugal and learn to live with what you have? Is it necessary to sacrifice by something to get your financial life in order?

Is it possible to leave all your bad spending habits aside and manage money wisely? There are a few tricks proving that frugal living doesn’t demand great sacrifices. Besides, you can always learn from the best. Find out more about everyday life of frugal billionaires.

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Optimal Way to Calculate the Minimum You Can Retire With

how much money do you need to retire

So, how much do you need to save to retire? Can you retire with $1 million dollars, for instance? The answer is “yes”. However, you may also retire with more or less money.

What is more, it can be pretty complicated to retire with $10 million dollars. It all depends on the personal situation. Thus, for different people potential minimum varies. The only thing that is similar is that nobody wants to make their retirement years a struggle for existence barely being able to make ends meet.

The majority of financial advisors state similar number, which is also called the holy grail of the retirement analysis: the 4% sustainable withdrawal rate. So, you can withdraw this amount of money and still consider your portfolio to last over 30 years.

This is the easiest way to define how much you need to save for the desired retirement and how long your retirement money will last.

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Advantages of Repaying Your Debt with 401(k) Plan

no debt problems

Did you know that college students usually graduate with about $25,000 in student loan debt? Statistics shows that about 1 million graduates have debts after graduation, which can be higher than $50,000. Having such big debts it may be tempting to withdraw funds from your 401(k) plan as it seems they are just collecting dust until you retire.

In this article, we are going to share with you some useful tips on how to pay off credit card debt and when repaying the debt with 401(k) account makes sense.

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Credit Unions and Traditional Banks: What is Your Best Option?

credit union vs bank

There was a time when to use one or another financial service you had to apply to the bank and there was no other alternative option. But fortunately, this time has left behind and today consumers are free to choose financial institutions to apply to (read about consumer loans).

If you’re not satisfied with the service provided by your bank and you consider changing it, then wait a little and consider other options. One of such options is to apply to a credit union. Many consumers today favor credit unions over banks because quite often these financial institutions offer more variable products and services than some banks do.

But in some occasions American banks can suit you better than anything. Here is a comparison of banks and credit unions to help you to make the smartest financial decision.

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Why 0% Credit Cards Aren’t the Best Choice Sometimes

credit cards with 0%

It’s hard to find someone who wouldn’t like to get something for free. As for interest rates and loan deals «0» is a magical number and that’s why consumers literally chase after such offers. Most of them think that there’s nothing better than interest- free credit card.

Quite often people use such cards to deal with the massive debt they have. Opportunity to use the money within definite time period attracts many but not everybody knows that when interest free period will be over then high interest rate will be charged.

Consumers must understand that there’s nothing the credit company will do without making its profit. If there’s something for free then start looking for downfalls.  In any case, there are lending products which are good alternatives to interest-free credit card.

Bonus: Learn how to get free money from the government.

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SNL Presented the New Rating of the Largest US Banks

largest us banks

One of the biggest providers of financial news and data SNL Financial has recently presented the new rating of top American banks. Recent financial news says that that the US economy has finally recovered after the Great recession of 2008 and got back to its old state. How did it affect American banking industry? Which big banks saved their positions and which one faced some negative changes? Continue reading to be aware of the latest financial news. Continue reading “SNL Presented the New Rating of the Largest US Banks”