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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Guide to Renters Insurance

If you rent a house or an apartment, you may think that everything in your rental is covered. The truth is the landlord’s insurance generally only covers the structure itself.

Items you personally own will generally need a separate insurance policy; called Renters Insurance. Heres’ a look at what you should know about renter’s insurance.

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Can You Rent an Apartment When You Have Bad Credit?

Looking for a great place to live when you have less than perfect credit? Don’t despair. Finding an apartment or rental home when you have bad credit can be worrisome but it’s not impossible. Be aware that you might need to do more than the typical applicant. There are several ways you can get that apartment or home rental - that you want - by just following a few suggested tips.

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Backyard Activities to Keep Kids Busy This Summer

When the summer months come, the kids will be out of school and around the house. Of course, you do not want your little ones to spend all their time indoors. After all, kids may become restless and end up causing lots of calamity inside the house. Make sure there is always something fun for the kids to do outside.

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10 Money Saving Tips to Lower Your Homeowner Insurance

Home insurance premium discounts can vary greatly depending on where you live and a number of other criteria. Homeowners insurance is something a homeowner can't avoid, and often it's not something people think about. It's easy to put a policy in place and then never think about it again. However, a home is likely the most valuable asset we will ever own, and it's filled with costly possessions. Homeowner's insurance can cover the value of the building, including upgrades and the worth of belongings within the home.

It's essential to review your homeowner's insurance coverage and how much you're paying for it. Doing so can potentially save you a substantial amount of money.

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