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Starting Your Own Business

Are you considering starting your own business? If so, make sure it's for the right reasons, and that you've given careful thought to all aspects of being your own boss.

Improving Your Credit Score

What is a credit score? Your credit score, also commonly known as a "FICO" score, is calculated by the three major credit bureaus — Experian, Equifax and TransUnion.

Planning Your Road Trip Wisely

Traveling by car can be a great way to spend time with friends, family, and pets. As a result of increased airline restrictions and security measures, many people are rediscovering the adventure of the road trip. While gas prices can present a challenge to keeping the budget low, there are several ways to make the most of your traveling dollars.

Smart Spending on the Slopes

Ski and snowboarding season is here! Snow sports are an invigorating way to get exercise, enjoy the outdoors, and spend quality time with friends and family. However, a day at on the slopes can be a little hard on the wallet, with most resorts charging upwards of $60 for an all day lift ticket. Here are a few tips to save money while playing in the white stuff.

Controlling Holiday Spending

The holiday season is here, along with the accompanying spending. Remember that holiday spending should follow the same budgeting guidelines that you use the rest of the year. Don't let the seasonal ads, music, and eggnog affect your normally sound judgment. Use some of these tips to ensure a happy, prosperous new year that is unburdened by overwhelming debt.

Setting a Budget

Setting a personal budget isn't the most exciting thing to do, but it's the only way to reach your financial goals, whatever they may be.  Maybe you're planning to purchase your first home, save for your kids' college education, get out of debt, or retire in style.

Resolve to Save in the New Year

We all know that we should have some savings put away in case of emergency.  What most people don't realize is that a long-term savings plan can also earn them considerable amounts of money over time with just a little advance planning.

Collectibles Insurance

If you are a collector, chances are that you have put a lot of money and time into your collection. Make sure that you don't lose that investment due to inadequate insurance.
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The Danger Signs
Of Excess Debt


  • You make only minimum payments on your credit cards each month.

  • You are at or near the limit of your credit cards.

  • You applied for more credit cards in the past year.

  • You have begun charging small items or essentials like food and gasoline.

  • You have recently paid a monthly bill using a credit card cash advance.

  • You are often late paying some or all of your bills.

  • You are unsure how much you owe creditors.

  • You are receiving calls or overdue notices from creditors.

  • You have no budget.

  • What To Do If More Than Two Of These Apply To You?

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