15 Cheap Tailgating Tips This Football Season

Football season is almost here. That means it is time to hit the road and check out the latest tailgating fun. You don’t need to spend lots of money to enjoy some good tailgating fun. Here are 15 ways that you can save during your next tailgating event.

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Need Cash Fast? Get an Online Loan

If you are looking to get cash for that emergency car repair or simply have no more room on your credit card, an online loan might be one of the easiest ways to get the cash you need.

With an online loan, you do not have to leave the house, go to a bank, or meet with a lender. You can complete the online loan application from your computer or even from your smartphone, generally, the process can take just minutes to complete.

So, what steps should you take to get an online loan? Here is a look at how you can secure your online loan fast and get the cash you need.

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Hard Inquiry vs. Soft Inquiry – How Each Impacts Your Credit Score

You may not know that there are two types of credit inquiries - soft inquiries and hard inquiries. Soft credit inquires, also often referred to as soft credit pulls and they don't affect your credit. Soft credit inquires are created when a company inquires on your credit to determine if credit could be extended. Hard credit inquiries are generated when you attempt to open a new line of credit. Hard credit inquiries, also referred to as hard credit pulls, are reported to the three national credit bureaus and could lower your credit score. Your permission is required for a hard credit inquiry

So how does each type of credit inquiry impact your credit score?

Well, let us look at both hard inquiries and soft inquiries, their differences, and how they impact your credit score.

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12 Ways To Cut The Cost Of Going Back To College

If you are looking to go back to college, then you will want to keep your budget in check. Sadly, the costs of going back to college can potentially pile up. The good news is that you can find several ways to cut costs.

Here are 12 ways where you could save big when you go back to college.

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At Home or In Class: How to Save Money on Back-to-School Shopping

Did you know that the average cost of back-to-school supplies is $529? It might be even higher now because you do not know if your kids will start school at home or in class. You may not want to spend that amount of money on supplies for your children. Whether your kids return to school or take classes from home, you may want to find ways to save on back-to-school supplies.

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How to Make Financial Decisions as a Couple

Did you know that money problems are one of the top three reasons for divorce in America? That is why it is important for couples to work together to make their financial decisions. Financial decisions can be hard enough as an individual, so share your financial decision making ideas together. Whether you choose to combine your money or manage with separate bank accounts, it's wise to communicate your goals and financial aspirations.

Here is a look at ten ways that couples can make financial decisions together.

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Fraud Alerts: The Ultimate Guide

Have you lost your credit cards? Concerned that someone might have stolen your bank account information? Worried, your Social Security number was exposed in a recent data breach at your favorite retailer?

What do you do?

You need to act fast! You do not want to become another statistic as a victim of identity theft.
In 2019 the Identity Theft Resource Center reported 1,473 data breaches exposing more than 869 million records.

Maybe it's time to place a fraud alert on your accounts.

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How to Rebound After Identity Theft

Identity theft could be one of the most frustrating issues to deal with in your lifetime. That is why it is crucial to have a plan in place before this situation happens to you.

To help you rebound from an identity theft incident, here is a look at the types of identity theft and what steps you may want to take as soon as you find out that you are a victim. However, you should always contact an attorney or advisor and appropriate law enforcement if you believe you are a victim of identity theft.

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What is the Difference Between a Prime and Subprime Loan?

When it comes to getting a loan, your three-digit credit score is a major factor in determining your risk level as a borrower. Credit scores are typically categorized as excellent, good, fair, poor, or bad.

When it comes to the interest rate and terms of a loan, it is dependent on this same categorization of your credit score but is usually designated into two different categories. Those categories are prime and subprime. Prime covers the excellent and great credit scores, and subprime covers the fair, poor, and bad credit scores. There is also a super-prime designation that is sometimes used to refer to the top tier of excellent.

So, what does this mean for you if you are looking to get a credit card or a loan?

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Guide to Freezing and Thawing Your Credit

Did you know there were over 650,000 cases of identity theft in 2019? If you suspect that your identity may be compromised, you will want to take some proactive steps to protect your credit.

A great way to protect yourself is by freezing your credit report. Here, we will answer what you need to know about freezing and unfreezing or “thawing” your credit.

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