I Have No Money for Food: What Do I Do?

As the recession drags on, more and more people are finding themselves in a situation where their savings are depleted and their situation is getting desperate. At times like this, even putting food on the table becomes a struggle. Here are some things you can do to keep your family fed, even if you've been out of work for months and you've got no money left to buy food. Government Assistance A … [Read more...]

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Applying For A New Credit Card

There are many things to consider when applying for a new credit card and it can get pretty confusing. If you don't currently have a credit card or even a credit score, you may not know where to start. It doesn't help that there are so many options for getting credit, you may become overwhelmed with the choices. Most people apply for some sort of credit right after they turn 18, whether it's a … [Read more...]

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How A Bad Credit Score Affects Your Home Insurance Rates

Home insurance premiums are calculated based on risk. The higher the risk, the higher the premium. Insurance companies take a number of factors in to account when assessing whether you will be a low risk or high risk client. For home insurance, these typically include the age and condition of your property, the area you live in, and whether you have a security system installed. These all seem … [Read more...]

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What’s Your Business Credit Card Game Plan?

This guest post was provided by Odysseas Papadimitriou, CEO of Card Hub. It’s a common question: What’s the best small business credit card? I hear that all of the time, along with the occasional, “What’s the most small business owner friendly bank?” The simple answer is that Bank of America is the best business credit card issuer (I have no financial interest in this recommendation, in case … [Read more...]

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Choosing The Best Business Rewards Card

Getting a business credit card is a no-brainer for most small to large businesses. It allows for easy record-keeping of expenses, plus each company employee can have their own card. A business rewards credit card is even better than a plain credit card, though, because employees are rewarded for money they spend on office supplies and similar items. For example, Chase offers up to 5% cashback on … [Read more...]

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Do You Love Your Bank? Why Consolidating Your Money Might Be A Good Idea

I love Chase. Maybe I’m blinded by the light since I’ve always been with them for 18 years.  Woah.  I can’t believe it’s been that long.  I can't believe I'm saying that I love my bank like a cheesy Ally Bank commercial, but I do. So I’m going to lay out the history of how I came to consolidate a decent portion of my money at Chase, and various others banks where I currently have money - … [Read more...]

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Top 3 Reasons To Get A Rewards Credit Card

In times like these, it’s important to save money every way we can. Yet one of the simplest ways to save is often ignored… your credit card. The reward programs which are on the market have changed quite a bit over the last few months, so if you haven’t looked at what’s currently available you need to, because the latest rewards card offers can save you money in a multitude of different … [Read more...]

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Need Debt Management Help? Top 5 Tips To Get Back On Track

If you're facing a mountain of bills that you're having trouble keeping up with, you might benefit from some debt management help. However, before you rush out and pay a credit counselor for help, consider some of these financial tips you can do for yourself first. Seeking debt management help is a responsible move and it's the first step in regaining control of your financial situation again. … [Read more...]

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How To Improve Your Credit Score: 6 Things You Must Consider

Learning how to improve your credit score is often much easier than most people think. If you have a poor or average credit score you really can make leaps and bounds with your credit rating if you focus your actions correctly.  Unfortunately, far too many people look for the quick-fix solution rather than the long term good effects that come with learning to control your finances … [Read more...]

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Smart Financial Planning With Free Monthly Credit Reporting From Credit Sesame

When I first found out about credit sesame, I couldn't believe it. Free credit reporting? No way! What's the catch. There is no catch really, it is free, you will have to put up with a bit of advertising - they have to make their money somehow. For a free credit report each month, seems worth it to us.  Along with that you'll get an analysis complete financial picture.  So I signed up for it and … [Read more...]

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Instant Decision Credit Cards – How Does The Process Work?

UPDATED: April 5th, 2012 When it comes to getting like a new credit card (whether unsecured or secured credit cards) very few of us have a lot of patience. Perhaps it is our ‘we want it now’ attitude that makes instant decision credit cards so popular as opposed to others. And you know what, there's nothing wrong with that, as long as you're balancing your spending well. Best Instant … [Read more...]

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Weekly Wealth Inspiration – Are You A Deferrer Or New Rich?

I'm starting a new series here on FPT called "Weekly Wealth Inspiration" (WWI).  I'm a big fan of supporting oneself with all the resources possible - books, audios, forums, blogs, anything-I-can-grab-my-hands-on - to live the lifestyle of one's dreams. So WWI will be anything from an inspiring quote, to sections of a book, an audio, video or anything under the sun to help you create a vision of … [Read more...]

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What Makes Credit Cards Easy To Get?

UPDATED: April 5th, 2012 Some people may think there are some credit cards that are easier to get, which is true, but mostly it is a case of some people get approved for credit cards much more easily than others. The fact is the almost any card is the easiest credit card to get if you are young, debt free and working. Easiest Rewards Credit Card To Get 2012 What Makes a Credit … [Read more...]

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How To Negotiate With Credit Card Companies – 4 Simple & Effective Tips

Credit Card Negotiation - Practical Advice, Straight-Up Ten years ago most people would not dream of trying to negotiate with a credit card company. This is perhaps how they have built up their ‘hard-nosed’ reputation and considered lack of empathy towards their customers.   However a lot has changed over the last ten years, in the last few years in particular with the changes in the … [Read more...]

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FPT Is Now Part Of The Yakezie Finance Blog Network!

I'm very excited to say that we are now part of the Yakezie Challenge! Yakezie is an amazing group of personal finance and lifestyle bloggers  - truly trying to make a difference in people's lives by sharing their stories, experience and knowledge in personal finance and living. But here's how they put it - their words are very elegant: "The Yakezie is one of world's largest and most … [Read more...]

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