Many people struggle when it comes to writing a budget. However, we have talked with a few people who are successful with budgeting. They have given us give tips that they are confident can help others. #1 – Decide what your long-term financial goal is. For example, this could be saving up for a new […]
Debt forgiveness is sometimes the only chance people have. It can be a wise decision in some circumstances, but before you agree to those terms, there are some things you should know. Why Do People Settle Debt in the St. Paul Area? There are times when you’re able to settle directly with the creditor concerning […]
We’re back with part two of Specialty Bureaus. If you are planning to open a checking account, it is good to check with the specialty bureaus that report poor checking account history to banks. You’ll want to make sure you haven’t had any bad remarks or judgements against you with banks in the past. Who […]
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Today’s topic is all about homeowners and protecting yourself against those hefty repair bills. New homeowners have a lot of considerations when it comes to the appliances in the new home. There are three aspects that need to be accounted for. Common Breakdowns and Repairs One is appliance repair. If something breaks down, how are […]
Why Teach Financials To Children It’s never too early for children to learn about finances. Discussing finances with your children early can set them up for success in the future. There are four kid-friendly finance apps we personally recommend. Star Banks Adventure This app combines quizzes and puzzles that teach children basic financial concepts so […]
Most people have heard about credit bureaus. There are three main bureaus in the United States: Equifax, Experian, and TransUnion. Do you know what type of information they collect and how it affects you? How Creditors Interact With Credit Bureaus Most creditors send information to the credit bureaus concerning what accounts you have, what type […]
What You Must Know About Authorized Users Before you add someone to your credit card as an authorized user, be sure to think it through carefully. It’s important you understand the legalities when you give someone permission to be on your credit account. Let’s Cover the Basics If you’re not sure exactly what the term […]
Alternative and Specialty Credit Bureau Differences Most people hear the words “credit bureau” and automatically think of the big three credit ureaus: TransUnion, Experian, and Equifax. However, there are several other specialty or alternative credit bureaus that should be kept in mind as well. The additional bureaus are governed by the same federal laws, but […]
Every state has a limit on how much interest can be charged on different kinds of debt, and Minnesota is no different. Collectively, these limits are referred to as usury laws, which refers to the specific practice of charging high interest rates on various types of loans. The theory behind usury laws is that we […]