If your are a responsible credit card user, you should take advantage of a good cash reward credit card (or a non-cash reward card if you prefer). For example, Discover More card is currently offering 5% cash back reward on restaurants until the end of June, and in July through September you can sign up [...]
Credit utilization rate (or debt to credit ratio) is how much you owe as a percentage of your total credit line. For example, if you credit card’s credit limit is $10,000 and you owe $2,500 — your credit utilization rate is 25%.
A good way to improve your credit score is to pay down your credit [...]
Your FICO credit score is an important aspect of your finances. There are many ways to get your credit score online — however, most of them have some kind of strings attached. Fortunately, there is a web site call Credit Karma that will let you get your FICO credit score for free*.
* Credit Karma score [...]
If you decide that paying off your mortgage early is right for you, you may want to consider biweekly mortgage payments. Biweekly mortgage payments let you pay half of your mortgage every two weeks. When you do this, you are [...]
Most financial experts advise that you should have 3-6 months worth of living expenses saved for emergencies. This emergency fund is meant to help you avoid financial distress — i.e., liquidating your investments in an untimely manner or going into debt in order to meet emergency needs.
Since preservation of principal and liquidity are the two [...]
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