Financial Literacy

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As Rates Fall, Should You Refinance Your Student Loans?

As Rates Fall, Should You Refinance Your Student Loans?

Eliza Haverstock writes for NerdWallet. Email: ehaverstock@nerdwallet.com. Twitter: @elizahaverstock. The article As Rates Fall, Should You Refinance Your Student Loans? originally appeared on NerdWallet. https://www.nerdwallet.com/article/loans/student-loans/as-rates-fall-should-you-refinance-your-student-loans #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 #passiveincome […]

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6 Solutions to Free Yourself from the Consumer Mentality

6 Solutions to Free Yourself from the Consumer Mentality

Not everyone needs to be an extreme investor where you become an expert or guru. Additionally, spending money in moderation is okay. Instead, you should be adopting an investor mindset from the broad sense: to minimize your consumption and increase the production of assets that will help you build wealth. 1. Make it a priority

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Average Used Car Payment in 2024

Average Used Car Payment in 2024

If you’re in the market for a used car, there’s a good chance you’ll choose to take out an auto loan. Roughly 42% of used vehicles are financed, according to Experian’s State of the Automotive Finance Market report from the second quarter (Q2) of 2024. The average used car payment in 2024 is $525, which

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12 Fundamental Life Skills That Are Quickly Becoming Obsolete

12 Fundamental Life Skills That Are Quickly Becoming Obsolete

Lately, it seems people’s skills are slowly waning way. It’s at the point where these essentials are no longer becoming common. By recognizing and relearning these essential skills, individuals can gain greater self-sufficiency and resilience in their daily lives. Essential life skills people no longer have today often include practical abilities that were once commonplace

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Bad Credit Car Loan Rates for November 2024

Bad Credit Car Loan Rates for November 2024

On average, borrowers with subprime credit scores had an average interest rate of 13.18% on new car loans and an average used car loan interest rate of 18.86%, according to Experian’s State of the Automotive Finance Market report from the second quarter (Q2) of 2024. If you have bad credit, you’ll likely receive a higher

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15 Reliable Service Jobs That Don’t Rely on Tips for Income

15 Reliable Service Jobs That Don’t Rely on Tips for Income

There are certain service providers for whom tipping is not customary or expected, allowing you to forgo this additional expense without feeling guilty. These individuals are typically compensated fairly through their regular wages or have business models that don’t rely on tips to supplement income. 1. Grocery Store Cashiers In grocery stores, cashiers facilitate your

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Capital One Venture Card Review

Capital One Venture Card Review

If you’ve been looking for a credit card that offers premium travel rewards and benefits – but without the high annual fee – look no further than the Capital One Venture Rewards Card. It combines high rewards, a large sign-on bonus, and travel perks available only with premium credit cards, all in a card with

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How to Calculate Your Debt-to-Income Ratio

How to Calculate Your Debt-to-Income Ratio

Your debt-to-income ratio (DTI) is an important measurement of your financial health. Alongside your credit score, your DTI plays a big part in determining whether or not you’re likely to qualify for a new loan, such as a mortgage. To calculate your DTI, add up all of your monthly debt payments and divide them by

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2025 Tax Brackets: New Ideal Incomes For Workers And Retirees

2025 Tax Brackets: New Ideal Incomes For Workers And Retirees

The IRS has announced new income limits for its seven tax brackets for 2025, with income thresholds increased by about 2.7% to adjust for inflation. This follows a 5.4% increase in 2024 and a historically large 7% bump in 2023. Reaching a top one percent income is becoming more challenging given the threshold keeps increasing

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What Is Service Line Coverage for Homeowners?

What Is Service Line Coverage for Homeowners?

Sarah Schlichter writes for NerdWallet. Email: sschlichter@nerdwallet.com. The article What Is Service Line Coverage for Homeowners? originally appeared on NerdWallet. https://www.nerdwallet.com/article/insurance/service-line-coverage #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 #passiveincome #finances #generationalwealth

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15 Warning Signs Your Partner Might Be a Financial Liability

15 Warning Signs Your Partner Might Be a Financial Liability

Love is amazing, but money matters can cast a long shadow on a relationship. Ignoring warning signs can lead to arguments, stress, and even breakups down the road. Financial compatibility isn’t about finding someone with the same bank account balance, but about shared goals and responsible money habits.   1. Secret Spender Does your partner become

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Finviz Review 2024: Is this Stock Screener App Worth it?

Finviz Review 2024: Is this Stock Screener App Worth it?

Anyone who trades stocks and pays attention to technical analysis knows how valuable a good stock screener can be. But with dozens of stock screeners to choose from, how do you find one that’s right for you? Finviz is a popular choice for beginner and experienced investors alike, offering features like charts, heat maps, insider

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FP Answers: How should I allocate assets over several accounts for tax efficiency?

FP Answers: How should I allocate assets over several accounts for tax efficiency?

Where to locate different investments is secondary to which assets you allocate in your portfolio https://financialpost.com/personal-finance/taxes/allocate-assets-over-several-accounts-tax-efficiency #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Does Opening a New Credit Card Improve Your Credit Score?

Does Opening a New Credit Card Improve Your Credit Score?

If you’re considering applying for a new credit card, it’s important to weigh the impact on your credit with other benefits, such as promotional interest rates or the opportunity to earn rewards. Applying for a new credit card may lead to a small, temporary dip in your credit score because it typically generates a hard

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Four Seasons Hotel Westlake Village Review: A L.A.-Area Wellness Sanctuary

Four Seasons Hotel Westlake Village Review: A L.A.-Area Wellness Sanctuary

Sally French writes for NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. The article Four Seasons Hotel Westlake Village Review: A L.A.-Area Wellness Sanctuary originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/four-seasons-westlake-village #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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15 Classic Skills That Can Earn You Big in Today’s Digital World

15 Classic Skills That Can Earn You Big in Today’s Digital World

These time-tested competencies are adaptable, providing a unique edge in modern markets where authenticity, quality, and personal touch are increasingly sought after, proving that the fundamentals of success transcend technological advancements. We explore how traditional abilities remain valuable and profitable despite the rapidly evolving technological landscape. 1. The Written Word: Your Superpower Retain composing killer

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How to Fix Your Credit After Identity Theft

How to Fix Your Credit After Identity Theft

If your credit took a hit from identity theft, there are steps you can take to repair the damage and protect your financial future. Identity theft can lead to unwanted accounts, incorrect charges, and other… The post How to Fix Your Credit After Identity Theft appeared first on Crediful. https://www.crediful.com/how-to-fix-your-credit-after-identity-theft/ #financialfreedom #money #entrepreneur #business #finance

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Majority of millennials are afraid they won’t have enough money in retirement — here’s what they need to know

Majority of millennials are afraid they won’t have enough money in retirement — here’s what they need to know

‘Once you’ve got a plan, you’ve got the confidence,’ says one expert https://financialpost.com/personal-finance/retirement/millennials-afraid-wont-have-enough-money-retirement #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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How Much Social Security Will I Get in Retirement?

How Much Social Security Will I Get in Retirement?

Social Security benefits can be a stable source of monthly income when you retire—one that isn’t subject to depletion or the whims of the market. But how do you know how much you’ll receive? The maximum Social Security benefit in 2024 is $3,822 per month, according to the Social Security Administration—but that’s for people who

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The Surprising Benefits Of Donating To Your Kid’s School

The Surprising Benefits Of Donating To Your Kid’s School

Out of all the things you could donate your hard-earned money to, giving to your child’s school might not be at the top of your list. If your children attend a private grade school with sky-high tuition, donating to the school might feel even more unnecessary. With so much poverty, homelessness, broken homes, and people

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