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Social Security is an essential program that the majority of retirees depend on.  More than 60% of seniors are reliant on their SSI benefits for at least half their their monthly income.  If we did not have social security benefits for our retirees, we would see the poverty rate among them skyrocket to above 40% whereas the rate right now is below 9%.  With that being said, you want…

I am sure we would all be in agreement that we do not take the time to read those credit card agreements we get in the mail. But truth be told, you should.  It can be a little time consuming but there are important details about the terms and conditions of your card that you would want to know. Below are 10 important details to pay attention to in…

If you have unpaid debt, the last thing you want are those dreaded calls from debt collection agencies. With that being said, the one thing you do not want to do is ignore them.  It can really make the situation worse. The key is to try and settle with the original creditor to work out a payment arrangement before it is sold to a 3rd party collector. If your debt…

Millions of people fall victim to identity theft each year costing them heavy in both time and money. Catching identity theft early on is the best way to fight it.  The earlier you do, the quicker you are able to begin restoring any damage that has been done. In order to make this happen, you need to on alert for the signs of identity theft. Below are 10 signs that you…

When it comes to budgeting, many people have the idea that the goal is to strip you of anything and everything fun that you enjoy.  The end of eating out and shopping. This is not the case. Its purpose is to give you a clear picture of how much income is coming in vs how much you have going out.  It it is a crucial tool when it comes to creating a solid foundation…

Negotiating a pay raise is rarely easy.  Like it or not,  in order to properly manage your career, you need to become comfortable with it.  Rarely will you have a company match your value with your salary.  It is all up to you. Here are some useful tips to help you get that pay raise. 1. Do your research Anyone can walk into their boss's office and ask for a raise. But…

With the average household carrying over $15,000 in credit card debt, credit cards can really wreak havoc on your personal finance goals if they are not handled responsibly.  If you only make minimum payments, you are looking at a hefty chunk in interest payments and many years of repayment.  With that being said, that does not have to be you. Below are the best ways to pay down your…

We all have at least one credit card in our wallet that we use on a regular basis or only for certain purchases.  Used properly, a credit card can be an extremely beneficial tool in helping you manage your finances.  With that being said, many people do not get the maximum value from their cards. Below are 10 tips for helping you get the most from your credit card and its…

Whether they realize it or not, parents are always teaching their kids about money management. Kids at a certain age will begin to notice whether you plan out your shopping, put money into savings or spend carelessly. For this reason, the best thing you can do to help your kids develop good money management skills is to set a good example. Here are 10 money management skills you should teach your…

Anyone who owns a car knows how expensive car insurance premiums can be.  On average, car owners are paying more in premiums than for the maintenance of the car.  Your age, gender and state you live in, all play into the insurance premium you are given.  With that being said, there are things you can do to help lower your rate. Below are 10 tips to help you bring down…