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Category: Saving

How To Fix Your Credit (Part 2)

How To Fix Your Credit (Part 2)

Accurate Negative Information Report When the negative information recorded in your report is accurate, it will only be deleted in the course of time. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid monetary judgment issued against it may be reported for seven years or until the statute of limitations expires, whichever occurs later. The reporting period begins to run from the date on which the…

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How To Fix Your Credit Yourself

How To Fix Your Credit Yourself

Credit Repair: How to Help Yourself “Credit problems? No problem!” “We can permanently remove from your file of bankruptcies, judgments, liens and unpaid loans!” “We can erase your bad credit history – 100% guaranteed” “Create a new credit identity legally!” Do yourself a favor, and save some money. In fact, lawyers working at the Federal Trade Commission (FTC), the national consumer protection agency, say they have never seen a legitimate credit repair operation make such statements. The truth is that there…

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How To Find A Financial Advisor You Can Trust

How To Find A Financial Advisor You Can Trust

Finding a financial advisor can be an intimidating process. It’s not just a numbers game to find who is the best at navigating the markets. It is a personal relationship, and you should get someone to listen to you and work with you to help you reach your goals. One common misconception is that only people with a lot of money to invest need a financial advisor. Everyone needs an advisor, just as everyone needs to pay an annual visit to…

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6 Common Mistakes When Developing Financial Budgets for a Company

6 Common Mistakes When Developing Financial Budgets for a Company

There is no doubt that for a company to have the capacity to grow, it must have efficient management of its financial resources. Implementing the practice of preparing budgets is a way to ensure that your organization will be taking advantage of resources efficiently, and that the company will be able to meet current and future commitments. This is a way to visualize the possible scenarios that can be present both internally in the organization and in the market in…

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You Need An Emergency Fund

You Need An Emergency Fund

Once we have a personal budget and we have adjusted our expenses, our next mission is to create an emergency fund. The Emergency Fund is an amount of money saved in an account or deposit that is available and that we will only use to cover these expenses that arise unexpectedly. In our day to day we encounter unforeseen situations. We crash the car, we have to replace the washing machine, we get sick, we lose our job etc… All these situations are costly and…

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Money Mistakes: Living Check to Check

Money Mistakes: Living Check to Check

Now to be fair, it’s true that there are people who have to support a family and their incomes are so tight that it’s just not possible to save enough money to get out of the check-to-check cycle. But in many cases this situation occurs in people who just don’t take advantage of financial planning. If they made twice as much money they would still not make ends meet because they would find new places to spend that extra money. The problem…

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