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Financially Fit

Building Better Credit Habits

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U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they owe. But, regulations can't prevent people from making poor debt management habits.

Here's some advice for controlling credit card use:

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The Payday Lending Trap

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Getting a loan with a payday lender could send you down a deep hole that may take years to get out of.

Here’s how payday lenders catch and hold consumers:

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One for the Money: Financing Your First Car

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Are you thinking about how you're going to pay for your first car? You could get it:

* As a gift or hand-me-down within your family
* With cash you earned from your job
* With an interest-free loan from your parents

But what if none of these options are open to you? You could get a loan. Here's how:

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Drive Off the Lot with Credit Union Financing

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Did you know you can get credit union financing--right at the car dealership?

The process is designed so credit union members benefit several ways.

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Peace of Mind: Certified Used Vehicles

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What's a certified pre-owned vehicle? Factory-trained technicians thoroughly inspect and recondition a slightly used vehicle to meet manufacturer specifications. When the vehicle is up to snuff, it's certified as an automobile worthy of many of the same assurances that auto makers put on new cars, with manufacturer warranties lasting anywhere from three months to seven years.

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7 Ways You Can Afford to Go Back to School

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You don’t have to pay an arm and a leg to go back to school. If you know where to look, financial assistance is available for any level of involvement, whether it's online or in the classroom, for credit or just for the enjoyment.  Here's how you can afford it.

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6 Questions First-Time Homebuyers Should Ask Themselves

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Part of the American dream is to become a homeowner. We dream of a place that we can call our own. A place that is comfortable and safe. A place we are proud of. A place where we can plant the roots for our future. To some however, the process seems so overwhelming and the concern of whether or not you are “doing it right” deters some from achieving the goal.  So how do you know if you are ready to become a homeowner? Here are six areas you will want to consider that will make your decision to buy a home the right one.

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What is a HELOC?

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A HELOC, or home equity line of credit, is a great tool that allows homeowners to borrow against the equity they have built up in their home, and use the proceeds to help cover expenses.  The following article will answer some common questions associated with HELOCs and its uses.

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