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How To Invest Money: The Smart Way To Grow Your Money

Details: Chime offers a solid interest rate – 0.50% APY and with no minimum balance required, no monthly fees or foreign transaction fees, and you’ll get fee-free overdraft up to $100. Plus if you sign up for direct deposit, you’ll get your paycheck up to two days early; Chime has become a gamechanger in the financial space.

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5 Smart Ways To Invest $100,000 And Minimize Risks

Details: 3. Store same money away in retirement accounts. 4. Reach out to the community with Peer-to-Peer (P2P) lending. 5. Get help with your investments. 1. Try your hand in the stock market. If you have $100,000 to invest, stocks should be at the top of your list.

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How To Live Below Your Means

Details: Living below your means means spending less than you make and focusing on savings. It may seem hard to do when you’re just starting out but there are ways — and tools — to help you to take control of your finances.

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How To Use Your Credit Card To Go On A Road Trip

Details: Going on a road trip can lead to an epic adventure. Unfortunately, road trips can come with quite a few costs, as well. Thankfully, you can use credit card rewards to pay for some or all of your road trip if you plan far enough in advance.. If you use the right cards while you’re traveling, you may get to use special credit card benefits that either reduce the headaches of traveling or save

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How To Invest In Real Estate

Details: REITs are bought and sold on most major stock exchanges. This is the easiest way for a beginning investor to get into the commercial real estate world. It comes with a potentially high yield. Corporations payout at least 90% of their incomes on the property as dividends to investors.

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Investing 101: How To Read A Stock Chart For Beginners

Details: The lesson here is to use your trend line as a first-glance, high-level indicator of something to look into. 2. Look for lines of support and resistance. The next thing you’ll want to look at is the lines of resistance and support. These are levels …

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How To Invest In ETFs

Details: To figure out how many shares you can afford you simply divide $200 by the cost of the ETF – let’s say it costs $40 a share ($200/ $40 = 5). Order type – The “order” is responsible for providing instructions in regards to how you want to purchase the ETF. The two most common order types are a market or limit order.

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How To Sell Your House By Owner

Details: Why you might want to sell your house yourself. Step 1: Determine the fair market value of your home. Step 2: Prepare the home for sale. Step 3: Market the home for sale. Step 4: Negotiate the sale. Step 5: Handle the closing. Summary.

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How To Finance A Land Purchase

Details: Lenders take a bigger risk on land than on homes. When you go to a bank or other lender to borrow money for a land purchase, they have to evaluate not only your credit history but also how easy it will be for them to recoup their investment if you default on the loan.

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How To Make Money As A Kid (Age 6 And Up)

Details: Sometimes what is needed is a mother’s or father’s helper so your child would not even necessarily be alone. Create a yard sale. Helping your kids go through their old clothes, shoes, and toys is a great way to help your kid make money. Have them set up a yard sale and whatever money they make they get to keep.

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How To Recover After Being Evicted

Details: If the reason for eviction isn’t listed on your eviction notice, ask your landlord to provide you with one. From there, you can either fight the eviction in court or, negotiate with your landlord. The latter option will likely be the cheapest. 2. Try to make amends with your former landlord.

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How To Find A Short-Term Rental Anywhere

Details: Airbnb allows you to stay in a host’s apartment in your destination city. You can enter specific criteria, though matches are contingent upon availability. It’s a widely used site, so you have a good chance of finding a rental that works, especially in large cities. Be sure to follow Airbnb’s safety tips for short-term stays.

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How To Retire Early After Just 20 Years Of Work

Details: While this may seem crazy, as you’ll see below, it’s entirely possible. And if you haven’t already, check out my article on how much you’ll need to actually retire these days, because we’ll be using that as a target amount (hint: it’s $2 million). I’m also going to assume you’ve saved a little bit, since 20 years is an aggressive timeline and $2 million isn’t easy to come by.

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How To Make A Budget: Step-By-Step Guide To Managing Your

Details: Step 3: Write your budget. This sounds a lot easier than it is—especially depending on your type of income. Freelancers will have a harder time making a budget because their income can change month to month. That’s not to say it’s impossible to budget as a freelancer—in fact, it’s more important to do so.

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5 Tips To Best Prepare For A Performance Review

Details: Commit to being open-minded. Don’t forget to prepare yourself by committing to having an open mind. You may feel like you need to be defensive since performance reviews can be kind of tense or awkward. Instead, be open minded and open to hearing …

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7 Easy Ways To Start Investing With

Details: Start investing in the stock market with little money. 4. Dip your toe in the real estate market. 5. Enroll in your employer’s retirement plan. 6. Put your money in low-initial-investment mutual funds. 7. Play it safe with Treasury securities.

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How To Cash Out Your Bitcoin And What You Should Know

Details: Since 2009, when it was invented, Bitcoin has grown a lot faster than most folks thought it would. Now it’s one of the world’s most popular cryptocurrencies! While some people like to hold on to their Bitcoin, there’s likely going to come a time when you’d like to cash out (hey, I don’t blame you, that’s how some people have become millionaires).

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How To Pick A Mutual Fund

Details: To find the right target date fund for you, simply subtract your current age from 65 (or your desired retirement age). Add that number to the current year, and choose the nearest target date fund. Example: I’m 30. 65 – 30 = 35. 2011 + 35 = 2046. I’d pick a 2045 target date fund. For most investors, target date funds are fine and allow you

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How To Live Off Of Minimum Wage (And Achieve Financial

Details: 30% of your income goes to discretionary spending (entertainment, social life, etc.). 20% of your income goes to savings (investments, 401k, etc.). Now, you might be thinking that well over 50% of your income is already going to your essentials. To be sure, you can use MU30’s 50-30-20 Budget Calculator to confirm your suspicions.

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Banking 101---A Guide For Teenagers (But Not Just)

Details: Banking 101---A Guide For Teenagers (And Anyone Who Needs A Refresher) Finances can be a blessing and a curse for young people, but knowing the basics will prepare for what’s to come. Banking is the first step in your financial journey. This article is part of a series teaching essential personal finance concepts to teenagers.

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How To Buy Stocks As Gifts (And Why They're The Perfect

Details: On a very basic level, a stock is a fractional portion of ownership of a corporation. When you invest in a company, you become the owner of a small segment of the company and receive a proportional amount of the company’s profits in turn.. When you purchase stocks as gifts, you’re giving the recipient an amount of money that has the potential to increase (or decrease) over time.

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How To Get Out Of Debt On A Low Income

Details: 1. Use a balance transfer credit card. If you are on a low income and you are trying to get out of debt, an excellent option is to get a balance transfer credit card. Here’s what happens: you move the balance of one credit card to a second new credit card, and this way you effectively pay off the outstanding balance.

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How To Take A Mini-Retirement

Details: A mini-retirement is when you take time away from work for an extended period. It’s defined and intentional and requires meticulous planning in advance. This isn’t a vacation, a sabbatical, or a string of sick days you take because you just don’t want to be at work. A mini-retirement can be a self-reflective, eye-opening experience.

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The True Cost Of Living In Your Van

Details: That means you’ll have to store most of your possessions. The best option is to hit up your parents and ask to store your things in their basement or garage. If this isn’t an option, consider how much your stuff really means to you, and maybe sell or donate some of it.

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How To Apply For The New Round Of COVID-19 Rental Assistance

Details: The latest round of COVID-19 relief includes $25 billion toward rental assistance, which can help Americans who are having trouble covering rent and utility payments. Over 10 million Americans are behind on rent due to the effects of COVID-19. The relief bill passed in late December extends benefits and protections to Americans hard-hit by the

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9 Ways to Lower Your Mortgage Payment

Details: Summary. 1. Extend your repayment term. A simple way to lower your mortgage payment is to extend your term (which is also referred to as re-casting or re-amortizing). You don’t need to refinance your mortgage to do this because most lenders will simply offer this service for a …

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Ex-Car Dealer Tells All: How To Negotiate With Car Salesmen

Details: Be prepared. Even if you deflect the sleaziest sales schemes dealers dish out, you can’t get a good deal without some homework. Don’t step into a showroom without reliability, safety, and pricing information (try Edmunds).. You should know the mark-up of the car’s sticker price and how much the dealer expects to profit.

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How Little Can You Live On In 2021

Details: A person living in an apartment with a roommate (again according to my findings on, Zillow, apartments.com, and Trulia) could pay as little as $700-$800 without utilities. So each person would be paying (averaging in utilities) about $600 a month (and that’s rounding up). Total so far: $600.

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Mortgage Pre-Approval Calculator

Details: How the mortgage pre-approval calculator works. This mortgage pre-approval calculator gives you the opportunity to know in advance how much home financing you can qualify for. But please understand it’s a calculator only, and the official number will be determined by a mortgage lender. In addition, the validity of the results you’ll get

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Are You Due To Receive An Extra $300 Unemployment Payment

Details: The first thing you’ll need to determine is whether you even qualify for a payment. You’ll have to currently be unemployed and receiving benefits to get the $300 payment automatically issued. But if you were unemployed between March 29, 2020, to March 13, 2021, and your benefits ran out, you may still qualify for unemployment compensation through the Pandemic Emergency Unemployment

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4 Steps To Cover The Gap In Your Health

Details: Step 2: Know how long you’ll need coverage. After you figure out when your current health insurance ends, you can figure out how long you’ll need coverage to fill your health insurance gap. If you know when you’ll start getting health insurance again, this is easy. Simply calculate the time between when your current insurance ends and

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How Much To Give For A Wedding Gift (And Not Look Cheap

Details: If you feel a gift is expected, it’s completely acceptable to choose something on the lower end of their registry’s price range. When faced with multiple gift purchases for one bride or groom, Vogue suggests going with the 20-20-60 approach: 20% of your budget for the engagement gift, 20% for the bridal shower gift, and 60% for the wedding

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Home Buying Checklist

Details: A Home Buying Checklist: Organize Your Wants And Needs. Finding the right home can mean separating what you want from what you need. Here's how to think about the difference — plus a checklist to help your house hunting. If you came to me as a prospective home buyer and asked to go out shopping for houses, there are two things I would ask you

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How To Determine Your Investing Risk Tolerance

Details: If you chose the safe route of $2,500 cash, you might have a low risk tolerance. In this scenario, you preferred the comfort of guaranteed results, even if it meant losing the chance to win much more money. If you chose the coin flip for $10,000, you might have a high risk tolerance. In this scenario, you could accept the risk of winning

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Can You Get A Cost-Of-Living Raise

Details: A cost-of-living raise, sometimes called a cost-of-living adjustment (COLA), is a pay raise that correlates to the rise in the cost of living from year to year. This pay increase can come from employers or companies as an addition to salaries, benefits, and wages. One of the most common forms of cost-of-living raises comes from the government.

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How to Qualify For An FHA Loan

Details: At the bare minimum, the FHA requires that applicants have an established credit history with at least two lines of credit (for example, a student loan and a credit card). 5. Have a FICO score of at least 580-640. The minimum FICO score to qualify for the FHA loan program is 580, but the FHA is not a lender, it’s the insurer, and it’s the

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The 8 Best Investment Tracking Apps To Monitor Your

Details: Cost – Free if you don’t use their investment management service. Best investment feature – Includes helpful investment checkup tool. Personal Capital is a wealth management service that also offers investment tracking tools for free to everyone. You can link your account to Personal Capital’s dashboard and they’ll import your investment information into their dashboard automatically.

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UGMA & UTMA Accounts: Everything You Need To Know

Details: Both UGMA’s (Uniform Gifts to Minors Act) and UTMA’s (Uniform Transfers to Minors Act) are custodial accounts. These accounts will be managed by whoever set them up for the minor child until they reach the age of 18 (or sometimes until the age of 25, depending upon the specific rules of the account you choose). These accounts can be made up

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Car Loan Calculator: How Much Car Can I Afford

Details: The above car affordability calculator uses a conservative but solid assumption about how much car you can afford. Whether you’re paying cash or financing, the purchase price of your car should be no more than 35% of your annual income. If you’re financing a car, the total monthly amount you spend on transportation – your car payment, gas

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Best Peer-To-Peer Lending Sites For Borrowers And Investors

Details: Some of the original companies include Upstart, StreetShares, Peerform, and Prosper. LendingClub is the largest lender, handling as much as $15.98 billion in loans. According to AlliedMarketResearch.com, experts expect the peer-to-peer lending market to reach $558 billion by 2027.

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6 Best Stock Tracking Apps

Details: SigFig Portfolio Tracker is a free app for most users. Once you connect your accounts, the app will let you easily track every asset that you own. The free Portfolio Tracker tool will help you analyze the hidden fees in your investments and find more affordable …

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How To Sell Your Car When You Still Have Payments Left

Details: Enlist your lender in the sale. Once you know the payoff on the car loan, and have decided to go ahead with the sale, you should get the lender involved in the sales process. They hold title to the vehicle, and you can’t sell the car without it. Ask your car lender the best way to proceed so that you can pay off the loan and deliver the title

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