Small Loans Online 101: Make It All Right

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Whether you like it or not, but the sad reality is Americans are notorious spenders.

For 28 percent of adults who have no emergency fund, getting into the habit of applying for personal loans has become a norm. Imagine, you lost your house in a fire or faced the need for a car engine replacement.

The scary reality, right? The last thing you want to end up hundreds of thousands poorer overnight.

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No one can deny, sticking to the budget is a tough gig. All in all, only 18 percent of Americans say they could live off their savings for at least six months.

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How to Choose a Financial Advisor? Here Is Your Guide to Follow

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There is no problem is searching for a financial advisor. It’s much more challenging to select the right person who will be well-qualified to help you overcome any financial difficulties.  A financial advisor is a person in charge of helping people to manage their money, make the best investment decisions, and pursue their financial aims.

However, there are several types of professional advisors, and each financial planner has its own peculiarities. There is no one-size-fits-all so you need to take into consideration the following tips and questions to ask a prospective certified financial planner.

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3 Major Credit Bureaus: What They Do

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You may need to get in touch with a major credit bureau once in a while if you want to request a freeze on your credit report or would like to dispute a negative item.

Also, you may even have a good credit score but still want to check the copy of your annual credit report. This can help to protect your identity and ensure fair pricing on your credit.

If you want to know everything about your current credit score and review any prospective problems or mistakes, you may need to contact one of 3 credit bureau.

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What Does It Mean to Default on a Loan?

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If you have a loan default, it means that you have a halt in making loan payments. What does it mean for you as a borrower? Well, nothing great. In fact, it can hurt your credit and allow a lender to contact credit bureaus. So, if you think that a miss in payment will occur in the nearest future, find out your potential options.

Indeed, things happen and none of us is safe from the worst-case-scenarios. And when you feel that you may default on a loan, take preventive actions.

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Can a Payday Loan Company Sue You?

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It’s dismaying to hear that people still ask questions like ‘Can a loan company take you to court?’. Even if it’s not common, it can absolutely sue you.

This is hardly a secret that in order to avoid difficulties, you should always pay your statement balance in full, every month, without exceptions. Do you plan on using your payday loan the correct way? Great, then a collection agency is not a concern for you. Otherwise, it’s more likely that you risk putting in front of a judge.

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How to Increase Your Credit Score up to 800

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In the land of credit scores, FICO rating is king. Many of us, in one of these fine days, have done something in the heat of the moment that adversely affected their credit rating. Now you may find your head spinning on how to minimize that negative impact.

Well, is there anything you can do to raise it quickly?

Your credit score tells whether you are good at borrowing money and paying it back. All in all, having a healthy score is always good. One thing to remember here is that good credit scores follow good financial habits. In its turn, saving and planning will do far more for you than a good credit score. Yet, if you’re still thinking about ‘How to increase my credit score?’, the time is now.

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Top 10 Best Personal Finance Podcasts Worth Investing Your Time In

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Are you keeping track of your finances? That‘s a good start. Being bombarded from every direction, we struggle to find content that matters. Financial podcasts can benefit your money management right off the bat.

Did you know that listening to the best financial podcasts can do wonders in your financial life? Whether you’re looking for financial advice online or ways to improve your life, financial podcasts provide a ton of value. Try to consume content that matters in a more convenient way.

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Big Day Freebies: 39+ Places That Give You Free Stuff On Your Birthday

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Face it, the best part about birthdays is presents. The more, the better, right? But what can be better for the possibility to pamper yourself without spending a dime? Sure, by knowing places that give you free stuff on your birthday, your birthday celebrations can go much longer. Brighten up your birthday with some extra treats.

Do you like freebies? Of course, you do! Make your big day feel extra special thanks to some places that give free stuff on your birthday. The best thing is that tons of businesses allow redeeming freebies during your birthday week or even month. Start planning your totally free day in advance is a clever way to get the best freebie deals.

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