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Credit Scores – What’s the Difference?

There are few numbers in life that matter as much to your financial outlook and well-being as your credit score. But which credit score is the right one? The most important? And, for that matter, how come your scores are often different from one...... More

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Going Shopping for a Credit Card

What started out as a way to avoid carrying cash or checks, known then as "charge cards," has blossomed into the giant credit card industry we know today. With so many cards to choose from, how do you pick the one that’s right for you?... More

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Payday Loans are Just Bad News

If Visa offered you a credit card with an annual percentage rate of 391%, would you take it? It sounds like a joke, but to the recipients of one of the most sinister and underhanded lending practices in the marketplace, it’s truly no lau... More

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The Fed Cuts Rates Again: What You Should Do Now

On January 22, 2008, the Fed decided to cut the Federal funds rate a whopping 75 basis points to a scant 3.5 percent, the lowest it's been since August 2005 (Source: federalreserve.gov).... More

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5 Steps to Successful Savings

The journey of a thousand miles begins with a single step… as does the journey to a successful savings plan. Join me as we walk through one of the most basic parts of setting up a successful savings program... More

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Foreclosure: The Other F-Word

Okay, so foreclosure’s not exactly a four-letter word, but it’s definitely the most dreaded 11-letter F-word for homeowners. Foreclosures may be at record highs, but that doesn’t mean you have to be a part of another sad statistic.... More

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Fed Rate Cut What the Housing Doctor Ordered

Today, the U.S. Federal Reserve slashed the discount rate by 75 basis points down to 2.25%. But how does the Fed rate cut affect you and your search for a new home? Is the Fed rate cut the miracle elixir to cure the housing market pain?... More

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Does the Federal Funds Rate Affect My Mortgage?

On Tuesday, January 22nd, the Federal Reserve slashed the federal funds rate by three-quarters of a point to 3.5% - the largest one time cut in nearly 24 years. This should immediately benefit consumers with home equity lines of credit, credit cards, and... More

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Fed Rates Keep Falling

Today, the Fed slashed the Fed funds rate by 50 basis points. Like most things, dropping rates are a game of give and take; the lowering of Fed rates can be beneficial for some parts of your financial life and detrimental for others. So how exactly can... More

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Down Payment Holding You Back? It Shouldn’t.

Do you have your eye on that four bedroom house with a white picket fence and a bonus room? You’ve compared interest rates and monthly payments, and the only thing holding you back from buying your dream home is the large down payment required?... More

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