Understanding Payday Loans

Payday Loans

A payday loan lets you borrow money for a short-term period and is usually payable on your next payday. However, these are often not for large sums of money and have hefty interest rates. The typical borrowing limit is $500, though restrictions might be higher or lower. Interest rates can be costly. The usual loan annual percentage rate (APR) is 664 percent which is more than 40 times higher than the average credit card interest rate.  Paying a payday loan is usually done in one lump sum on the borrower’s…

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What To Look Out For When Choosing Luggage Storage In Rome

Luggage Storage

We’ve all been there – arriving too early for check-in or having hours before a flight but still wanting to make the most of the fascinating sites in Rome. Babysitting your luggage or dragging it along with you takes away from your experience. Not to mention, most Rome attractions, such as open-air archaeological sites or places of worship, don’t have luggage storage options.  Luckily there are solutions for luggage storage during your travels. To make sure you are getting the best deal for your needs, here are… 7 things to…

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Important Things to Factor Into Your Monthly Budget

Monthly Budget

If you are looking to become more financially responsible, it can be incredibly helpful to create a monthly budget for yourself. This can be used as a guidepost for you as you go through your month so that you can avoid spending money on unnecessary things. A budget can truly serve as your greatest tool when you are looking to keep a closer eye on your spending habits and start saving for the future. Depending on your current situation, you might need to create a rather strict budget for yourself.…

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Tips for Buying Your First Home

Tips for Buying Your First Home

If you’re looking to buy your first home there are a lot of things you should take into account, but also a lot of advantages available to you. Take a look at our guide to buying your first home for more information. Buying a home is an instance where you’re most going to hear the incredulous phrase “in this economy?” and that’s no surprise. Buying a home is difficult. The housing market demand is rising while supply is dropping, and a widening wealth gap is causing less people to be…

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How do warnings affect my car insurance rates?

How do warnings affect my car insurance rates

Traffic warnings shouldn’t affect your car insurance, as they usually don’t go on your driving record. Any citation that appears on your driving record may have an impact on your insurance rate; however, getting a warning is just that – a warning and not a violation or citation. In this article, we will highlight everything you need to know about traffic warnings and how they affect your car insurance rates. Why do police officers give out warnings? Police officers are usually faced with a hard choice of either issuing a…

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How to Save Money on a Daily Basis

How to Save Money on a Daily Basis

In a person’s life, there are a lot of things that matter greatly. To name a few, family, friends and health are things that are thought-about on a daily basis, and rightly so. These are really important things and deserve all the thought in the world. Another thing that is very necessary to think often about it is money. Although money may not make the world go around, it is one of the more important things to a person. No matter who you are or what lifestyle you live, money…

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Getting Life Insurance for Your Family’s Sake

Getting Life Insurance for Your Family’s Sake

There are all kinds of insurance you can get. Generally, there are no laws stipulating that you get any of them. There are a few exceptions, such as minimal insurance policies you require to drive a car in some states, along with your driver’s license and registration. Because you don’t have a legal requirement to get most insurance types, you can try to get along without them. However, doing so can prove to be disastrous very quickly. For instance, you can injure yourself, and if you don’t have health insurance,…

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