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How to Choose a Credit Counselor If You Need One

How to Choose a Credit Counselor If You Need One

Living under the burden of debts is not exactly the life any individual wishes for. Day in and day out you have to toil hard and meet your ends as well as get out of debt. This kind of life can invite severe repercussions financially, physically as well as psychologically. So it is imperative that you might consider a credit counseling firm. In this article, we shall be illustrating the basic definition and purpose of credit counseling as well as put light on the process itself.

Are All Loans Created Equal?

Are All Loans Created Equal?

In need of a financial boost? Or maybe you’re looking to purchase a big ticket item but don’t have the cash upfront? Whatever the case is, obtaining a personal loan can be a great way to resolve the issue. Personal loans can range in size from a few hundred dollars to several thousand and can assist you in making big purchases, getting out of debt, or paying down some bills. Though it is a great way to temporarily finance your needs or wants, it is important to do your due diligence.

Top 6 Ways to Save Money for a Down-Payment

Top 6 Ways to Save Money for a Down-Payment

Four bedrooms with a large backyard and a white picket fence.

For most people, this is an American dream that they cannot wait to attain.

But turning that dream of homeownership into a reality can take a lot of grit and determination in this day and age. Considering that a traditional mortgage requires a 20 percent down-payment and that the average price for a single-family home sold in 2014 was $345,800 according to the US Census Bureau, you would have find a way to save a whopping $69,160 (not to mention additional closing costs) before you would be able to sign on the dotted line.

So how is it that 437,000 people were able to do that?

We at Modernize have a few tips to help you reach your goal without having to give up everything.

How To Be A Savvier Saver

How To Be A Savvier Saver

Saving is something we all know we should do but is far easier said than done. It seems simple, save a little each month for a rainy day but far too often our month outlasts our money and there is not much to put aside. It is always tough to break your bad spending habits and be more ‘sensible’ with your hard earned money but here are some tips that will help you make the change.

5 Ways of Showing Investors and Clients You Mean Business

5 Ways of Showing Investors and Clients You Mean Business

When starting your own business, it can sometimes feel as if the odds are stacked against you. It is important to stay proactive if you want to get anywhere with your business, whether you are selling a product, offering a service or providing some other level assistance to your client base. Taking a step back, when starting a business, is not what you want to do in order to get anywhere. You need to tackle things head on. One major ‘goal’ you should hope to achieve is to solidify the nature and the value of your business in the eyes of your investors and your intended clientele.

So what can be done to make sure that they know you mean business and you mean to create a successful business from the get go? Read on for our 5 top tips on showing your investors your stance on getting your business off the ground.

Insurance for DUI: How to Help Your Agent See You’ve Grown

Insurance for DUI: How to Help Your Agent See You’ve Grown

If you’ve had the unfortunate experience of a DUI conviction, you might be wondering if there’s anything you can do to lessen the impact it has on your auto insurance rates. There are some steps that you can take if you’d like to make an honest attempt to appeal to your insurance agent, but first, it’s important to educate yourself on the reality and magnitude of the situation you are in.

How to Lower Car Insurance Rates for Young Drivers

How to Lower Car Insurance Rates for Young Drivers

The importance of insurance for young drivers cannot be stressed enough. However, automotive insurance companies are not very keen on insuring young drivers because they do not wish to take on the high level of risk associated with them. If we look at past insurance trends, we find that young drivers tend to make up the biggest chunk of claims. They tend to get into accidents more often than old or experienced drivers as a result of over-speeding and reckless driving. This explains the reluctance of insurance agencies towards covering young drivers.

However, since automotive insurance is extremely important, it is not wise for young drivers to stay uninsured. Young drivers are typically charged very high premium rates, but there are certain ways that this cost could be brought down.

How to Sell an Occupied Rental Property

How to Sell an Occupied Rental Property

The best way to sell a rental property is to let the lease expire and put a vacant home on the market. This option avoids many potential difficulties, but is not ideal from a financial standpoint, since an empty rental brings no income and still has expenses.

Whether your renters are difficult or dream tenants, if they are under a lease when you are ready to sell your property, it poses a few challenges. That said, it’s not anything that can’t be overcome with some effort and know-how.

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