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Taxes
The 2020 Tax Brackets Guide: Key Changes That You Need to Know
This 2020 tax brackets guide outlines all the key changes that taxpayers should prepare for, including income and capital gains thresholds, Social Security contributions, and AMT requirements. While this year's taxes are only due in 2021, understanding these changes will make your budgeting more accurate and efficient.
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Loans
APR vs Interest Rate: What’s the Difference?
When they compare the difference between the APR vs interest rate, loan borrowers and credit card users will learn a lot about their costs. While issuers/lenders charge interest to make a profit, the APR gives consumers a comprehensive idea of what overall costs will be, which include commissions and other fees.
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Auto
Accident Forgiveness: How Much Does Insurance Go up After an Accident?
The cost of insurance goes up by a great degree after an accident, but does that mean that you should enroll in (and pay for) accident forgiveness coverage? A driver's age and location, alongside their current good driver discount, determine whether or not an accident forgiveness plan is worth it.
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Loans
Which Loan to Pay off First? How to Decide the Best Method for You
Deciding the best method on which loan to pay off first is not easy. You should consider your goals (such as a car/mortgage) and the approach that helps you attain them. Alternatively, you could pick a method that allows you to organize your budget and grow your savings. This depends on your needs and objectives.
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Credit Cards
Is Credit Card Piggybacking a Good Way to Build Credit?
Credit card piggybacking is a good way to build credit. At the same time, it helps you save money on interest fees and deposits. Yet it also has some downsides. In order to determine whether piggybacking is a good option or not, consumers should keep a few things in mind.
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Budgeting
How Your Credit Score Impacts Your Financial Future
In short, your credit score impacts your financial future because it makes it easier to secure affordable housing, access funds during emergencies, raise capital when you need it, and establish residual income streams.
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Student
Subsidized vs Unsubsidized Loans: Five Crucial Differences
The differences between subsidized vs unsubsidized loans are related to the qualification criteria, financial limits, graduation deadlines, and interest rates. This list will help you pick the loan that suits your needs both during and after college.
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Auto
Buy Here, Pay Here Car Lots: Important Aspects You Should Consider
Buy here, pay here car lots specifically work with consumers that don’t have the credit requirements and time to go through a traditional loan applications.
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Budgeting
The 7 Smartest Things You Can Do for Your Finances
The seven smartest things you can do for your finances revolve around your spending habits, investment strategies, and savings approach.
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Budgeting
How to Remove Medical Bills That Are Affecting Your Credit
There are steps that you can take to remove medical bills that are affecting your credit. The main ones include disputing potential errors, negotiating with the debt collector/hospital, seeking financial assistance, or simply waiting for the statute of limitations to expire.
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