Financial Literacy

Credit Mix: How Different Types of Credit Affect Your Credit Score

Lenders look at more than just your payment history and total debt when evaluating your credit score. The types of credit accounts you have—known as your credit mix—play a role, too. While this factor only… The post Credit Mix: How Different Types of Credit Affect Your Credit Score appeared first on Crediful. https://www.crediful.com/types-of-credit/ #financialfreedom #money […]

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Can you invest your time and money in a mid-career gap and still be financially secure?

Many Canadians have recently realized it’s time for a change, leading to a reassessment of their values in pursuit of more fulfilling lives. Whether this trend is a byproduct of the world slowing down during the COVID-19 pandemic or a shift away from traditional North American work culture, which emphasizes the belief that one must

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You’re Too Good at Your Job. That’s the Problem!

Why Being the Hero is Killing Your Growth (and Freedom) Let’s call it like it is. You’re not stuck because you’re lazy.You’re stuck because you’re too good at your job. You’re the guy who does everything right.Clients love you.Your team leans on you.You’re the fixer, the closer, the one who always comes through. And it’s

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United Polaris Studio: Inside the Airline’s New Business Class Seats

Benjamin Din writes for NerdWallet. Email: bdin@nerdwallet.com. Twitter: @benjamindin. The article United Polaris Studio: Inside the Airline’s New Business Class Seats originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/united-polaris-studio-inside-the-airlines-new-business-class-seats #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips

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9 Reasons Living Broke Can Make Retirement Easier

Wealth accumulation follows a counterintuitive path often overlooked by most people striving for financial independence. While society pushes us toward displaying success through material possessions, true wealth builders understand a powerful secret: appearing less affluent often correlates strongly with actual wealth accumulation. 1. Understanding Stealth Wealth Millionaires next door rarely flaunt success. Appearances deceive. Numbers

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Debt Validation Letter Template for 2025 to Stop Collectors Fast

If a debt collector contacts you, don’t just take their word for it. You have the legal right to ask for proof the debt is real and that they’re authorized to collect it. That’s where… The post Debt Validation Letter Template for 2025 to Stop Collectors Fast appeared first on Crediful. https://www.crediful.com/debt-validation-letter/ #financialfreedom #money #entrepreneur

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Buying The Dip: How To Overcome Fear During A Correction And Prosper

During the recent stock market correction, I decided to buy the dip. But this time, I didn’t just buy my usual dip-buying amount of $25,000 to $100,000. I went much bigger. All told, I spent over $1 million buying the S&P 500 and various tech stocks like Meta, Microsoft, and Amazon. Spending over $1 million buying stocks

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Success Is Lonely: The Truth No One Told You About Winning

You’ve been building something for years.Early mornings. Late nights. Sacrifices no one saw.You put your head down and did the work. And now—you’re winning. The money’s finally consistent.The business runs.People respect you. But here’s the part no one warned you about: Success gets lonely.And if you’re not there yet, you will be. Why Success Isolates

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14 Vulnerable Careers Facing AI Disruption

The rise of AI is putting numerous jobs at risk, particularly those involving repetitive tasks and data processing. As AI technology continues to advance, workers in these and other affected fields may need to adapt by acquiring new skills that complement rather than compete with AI capabilities. 1. Data Entry Clerks AI’s ability to process

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14 Smart Strategies to Pay Off Debt Fast

The New Year is a great time to take control of your finances and start reducing debt. Reducing debt is crucial because it improves your financial stability, reduces stress, and allows you to achieve long-term financial goals. By taking these steps, you can start the New Year on a path to financial freedom. 1. Cut

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How to Write a Goodwill Letter (Plus Free Template)

If you’ve got a late payment dragging down your credit score—but the account is otherwise in good standing—a goodwill letter could help you get it removed. It’s a simple, polite request to your creditor asking… The post How to Write a Goodwill Letter (Plus Free Template) appeared first on Crediful. https://www.crediful.com/how-to-write-a-goodwill-letter/ #financialfreedom #money #entrepreneur #business

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Ownwell Review 2025: Can A Property Tax Appeal Service Save You Money?

How much are your property taxes? In our county in Maryland, we pay a total of $1.442 per $100 of assessed value. 1.442% doesn’t sound like a lot, but the median home price in my county is around $580,000. That’s $8,400 a year. When I received my property tax assessment last year, it included a

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Health Issues Or A Disability May Force You To Retire Early: Prepare Accordingly

Before I retired from finance in 2012, I struggled with chronic back pain, sciatica, and TMJ. The stress was so overwhelming, I even paid a dentist $700 to drill divots into several teeth just so I could close my jaw more easily. At only 34, my body was breaking down, and I had no choice

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9 Ways to Get Paid for Testing Products

From online platforms to networking opportunities, these strategies will help you navigate the competitive landscape and open doors to rewarding product testing positions. If you’re ready to turn your love for testing into a fulfilling career, let’s dive in and discover how to secure those coveted product tester jobs. 1. Join Product Testing Websites and

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ChexSystems Removal: Sample Dispute Letters That Actually Work

If you’re ready to get out of ChexSystems, these are the letters to send. Each one serves a specific purpose depending on where you are in the dispute process. Whether you’re just getting started, didn’t… The post ChexSystems Removal: Sample Dispute Letters That Actually Work appeared first on Crediful. https://www.crediful.com/chexsystems-dispute-letters/ #financialfreedom #money #entrepreneur #business #finance

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How can I ensure a neighbour with a million estate is not taken advantage of?

How can I ensure a neighbour with a $10 million estate is not taken advantage of?

In an increasingly complex world, the Financial Post should be the first place you look for answers. Our FP Answers initiative puts readers in the driver’s seat: you submit questions and our reporters find answers not just for you, but for all our readers. Today, we answer a question from Gloria about how to protect

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13 Smart Buys That Save Money Long-Term

Frugal shoppers value reliability in the products they buy because it ensures their hard-earned money is well spent. These products are important because they provide excellent value for money, reducing the need for frequent replacements and repairs, which ultimately saves money in the long run. By investing in reliable products, frugal shoppers can achieve financial

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Taxpayer wasn’t fast enough to avoid penalty for TFSA overcontribution

Nary a week goes by without me hearing from a reader or client asking for guidance with an inadvertent overcontribution to a registered retirement savings plan (RRSP) or tax-free savings account (TFSA) . This week, for example, an individual shared with me that they were hit with $1,200 in penalty tax for overcontributing by $23,000

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How You’ll Feel Reaching Various Millionaire Milestones (M-M)

How You’ll Feel Reaching Various Millionaire Milestones ($1M-$20M)

To celebrate the launch of Millionaire Milestones: Simple Steps To Seven Figures, I want to share how you might feel and what you might do as you hit various levels of wealth. Perhaps by sharing, I’ll motivate you to save and invest more aggressively. We’ll start with reaching your first million, then move on to $5

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How to Build Leaders in Your Business (So You Can Finally Step Away Without Chaos)

You ever try to take a break—and come back to a mess? Emails stacked sky-high. Customers frustrated. Team members confused.It’s like the whole business hit “pause” while you were gone. That’s not just stressful. That’s a warning sign. If your company can’t run without you, you don’t have a business—you have a job with overhead.

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