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Month: November 2014

How to Determine the Best Age to Take Life Insurance

Most youngsters think that they do not require life insurance, and hence, they ignore it.

They neglect the benefits it offers them because they feel it’s not meant for them, so they simply take it because of statutory tax deductions.

It is okay for them to feel that way, especially if they don’t have familial responsibilities.

However, they should remember that there are different impacts when they take this type of policy during the different stages of their lives.

A life insurance policy offers you more benefits when you take it at the age of 40 as compared to when you take at the age of 25.

A 20-year life insurance policy that you take when you’re 25 years old would greatly help you during some days when you have financial needs when you are 45 years old, such as the higher education of your child. However, the same policy may not be very helpful to you when you are in your 60s if you take it when you are 40 years old.

The following is an analysis of the best time for you to take life insurance…

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6 Steps to Create Your Self-Development Blueprint

​​What is a self-development blueprint?

It’s simply a game plan or a blueprint for improving your life and yourself.

We’re constantly growing and learning. It helps to make a plan. Learning is much more effective when it’s strategic.

Are you reading books, listening to audio and watching videos? Most of us are.

Are they getting you closer to your goals? Let’s start working on your game plan…

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Credit Sesame Review – Why I Made the Switch From Credit Karma

​What is Credit Sesame?

Sure, they are a credit monitoring service, like Credit Karma and many others​, but that’s not all.

They offer more than the other credit monitoring services I’ve seen, while still keeping it free.

What do they offer, you ask? A free credit score, free credit monitoring and free identity theft protection.

Free identity theft protection? That’s right! And they actually offer even more than that.

Let me give you a quick breakdown, then I’ll let you go try it out. After all, it is free…

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The Ultimate Quick-Guide to Budgeting Tools

If you’re looking for budgeting tools, look no further.

I’ve compiled an all-inclusive list of every high-quality budgeting tool I could find and put them all together here.

I’ve even included the price (if there is one), the format(s) available and a brief description of each. I’ll start with my favorites and then move on to the rest.

Let’s jump right in and see what our options are…

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How Does Debt Settlement Affect My Credit Score?

Your credit score can tremendously impact your day-to-day life.

For Example, your credit score can affect everything from obtaining a mortgage to getting a new job. This is something that most people know. But what everyone doesn’t know is how exactly your score is calculated.

The reason that this isn’t common knowledge is because the credit bureaus do not tell you exactly how they calculate your score.

Even though we do not know the exact equations used, we do know what factors can have a tremendous impact on your credit score. For example, settling your debt can impact your credit score.

Let’s see exactly how debt settlement affects your credit score…

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