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Whether you're a homebuyer purchasing your first home, a student funding your own education or wanting to buy that car you've always dreamed of, if you're like many Americans, you probably don't have all the cash you need to make the purchase—you need a loan. Taking on debt can be a big responsibility. You are committing to paying money back …

What is it? You probably know that not paying a credit card or loan will show up on your credit report and make it difficult to obtain credit in the future, but did you know that mismanaging your checking or savings account could negatively affect your banking options? While checking and savings account activity does not appear on your credit …

Email Offers and Online Shopping   Enjoy safe online shopping and avoid email scams with these tips: Protect personal information. Only give personal or credit information to companies you know and trust. Call their customer service prior to purchasing to check customer responsiveness. Also read their privacy policy to ensure your …

The old adage, "every penny saved, is a penny earned" can easily be applied to your homeowner’s insurance policy. Many people obtain homeowners insurance when they purchase a home and never look back, forgetting that their premium is not set in stone. With the right know-how and a little effort, reducing your premium for big annual savings may be …

Know the Ins and Outs of Store Credit Cards to Avoid Expensive Mistakes. Avoid the "savings" temptation. Saving 10% on a $200 purchase can be some real savings but over time it is not a savings at all. If you only make the minimum monthly payment, it may take months, or even years, to pay off that purchase. Finance charges can eat up the initial …