August 6, 2011
by Adriana Noton
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Upon discovering problems with their credit, many individuals fear that they are ruined for life. Even persons with bad credit can have a good life by learning to live within their means. Life can be more difficult but by no means has to be bad. It is still possible to live well without borrowing any money for a while. Continue reading
March 5, 2011
by Leland Poliks
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You already know a lot about credit cards. You’ve heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, while our savings rate is lower than ever before. You realize that the boom in online shopping, with its absolute dependence on credit cards, is further fueling their use. You are well aware that running a balance on your plastic-and paying the unconscionable interest rates that come with it-is one of our most basic and widespread financial blunders. And you suspect that the sheer volume of direct-mail credit-card solicitations with low teaser rates must be devastating the forests of northern Idaho. Continue reading