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Yugster.com

I am always searching for websites where I think you can get a deal or two during the year. Last year I talked a bunch about www.1saleaday.com, and hopefully you scored a deal or two on that website. One website to add to your favorites this year and check daily is www.yugster.com. Yugster offers a daily favorite deal, a watch deal, a yours until gone deal, and will offer other season deals. Every day a new product goes on at 6am EST and when it is gone, it is gone. Here is the trick, if you become a Yugster, you get that offer a day before everyone else. Just log in and you see today’s Daily Offer for the public and today’s Sneak Preview Offer (which is tomorrow’s public offer, assuming it doesn’t sell out). Once you are a registered Yugster, you can also receive several emails per week giving you a heads-up to what we are selling that day ...

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10 Ways To Reduce Your Credit Card Debt

Those that end up being wealthy don’t make it a habit to revolve debt on their credit cards. If you have a goal this year to get rid of your credit card debt, here are 10 ideas to help you get rid of the plastic hangover. Pay The Credit Card With The Lowest Balance– Even though some credit cards may have a higher balance, putting a check mark in the win column by paying off just one credit card will get you fired up to pay off another. Pay Cash For Three Months– If you walk into a grocery store or a department store with cash, you can only get as far as your wallet will take you. By physically not using a credit card for three months, your habits and how you think about money will begin to change. Switch Your Credit Card Debt To A Lower Rate– If you can qualify for a zero balance credit card transfer ...

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Why Refinance Back into a 30-Year Loan?

Refinance Your Mortgage for Rate and Payment Reductions Atlanta, GA – One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no-fees loan program, which essentially means at “no cost” to the borrower. In the no-points no-fees scenario, the mortgage consultant uses rebate monies paid by the lender to pay off non-recurring closing costs for the borrower. These are “one time” fees such as escrow or attorney fees, title insurance, document preparation, tax service, flood certification, processing and underwriting fees, etc. The borrower is still responsible for recurring fees such as interim insurance, property taxes or insurance policy payments. Refinancing typically occurs when mortgage interest rates drop significantly, but borrowers with recently improved credit scores (from paying off credit card debt, making mortgage payments on time, ...

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Pay Off Credit Cards Or Save For Retirement?

You just turned 30 years old, and are still have credit card debt hanging over your head.   While you were out partying and paying off student loans during your 20’s, you realize that you haven’t saved a nickel for retirement.   The debate begins in your head.   Do I pay off the $10,000 of credit card debt or do I save the maximum I can in my 401(k)? The Dave Ramsey’s of the world would always say to pay off debt first before saving in a 401(k).  These are the personal finance situations where I don’t agree with a Dave Ramsey because it really does depend on your personal situation. The first thing I would look at is whether your company offers a 401(k) plan that has a match.  For example, if you put away 6% of your salary and your company matches 3% it would be an instant 50% return on your money if you stay with your company long ...

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You can’t retire by scanning Google.

Only recently have personal savings levels risen, where just a short while ago they were the lowest since the Great Depression when unemployment was more than 25%. (USA Today) Why is this happening? I have a theory, and it boils down to the fact that people in the X and Y generation just don’t read anymore. Remember when you were a kid and had to take those tests where you read a short story, and then had to answer a bunch of multiple choice questions around the story? I didn’t fare so well on those tests, but if people had to take them today based upon what they think they learned on the internet . . . surely we would be a failing class. ...

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Should you finance your company with a credit card?

Should you finance your company with a credit card? Haven’t we learned anything yet? There is always a price to pay when you borrow debt.For every $1,000 in unpaid credit card debt, a start-up business increases the probability that it will close by 2.2% on average compared with having no such debt, economics researcher Robert H. Scott said in a report released this month. ...

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