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5 Long-Term Financial Goals and How to Achieve Them

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Pay off major debts Expected time: 5+ years Account types: Credit card debt, mortgage, student loans, car loans Getting out of debt is essential to the success of your other long-term financial goals. Most people use a mortgage to buy real estate, but many mortgage lenders ask for at least 20% of the purchase price as a down payment.

Goals 234
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Business Travel Is Back: How to Maximize Your Miles

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As Neff has learned, one key to doing that is having a good rewards credit card—and taking advantage of everything it has to offer. The right credit card for your business travel needs will depend on several factors, including the size and maturity of your business, your expense levels and your credit profile.

Travel 305
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8 Pieces of Financial Advice for New College Graduates

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Some people refer to this as an emergency fund , but it is essentially three to six months’ worth of living expenses you can use to pay for essentials if you lose your income or get hit with unexpected bills, such as a car repair or medical emergency. It’s like stealing from yourself now to pay for purchases later.

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Tori Dunlap, Founder of Her First 100K is on a Mission to Close the Gender Pay Gap

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I simply don’t see the need for one when I can use credit cards and earn points and perks for my daily transactions. Thanks to my credit card points, I’ve earned flight upgrades, airline lounge privileges, free stays at high-end hotels as well as cash back, just from putting my everyday purchases on my credit card.

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3 Ways to Avoid Overspending During the Holidays

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Every January, we would find ourselves with a large credit card balance and would have to adjust our goals to make up for it. A joy scale is a personal rating system that encourages you to track how much joy came from an item or experience you purchased. Create a Joy Scale. It’s completely subjective.

Holidays 239
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How My Experience as a Black Entrepreneur Shaped My Views on Building Financial Freedom

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What if he wrote down my name from my credit card and used it to find out who I was? In an effort to soothe these discomforts at the office, I would decompress at happy hours, hire personal trainers and purchase loose-fitting clothes—all of which impacted my ability to save and invest.

Medical 273
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How I Learned to Love Selling (and How You Can Too)

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I tried selling credit card machines door to door once. I can’t tell you how much of my time used to be spent on customers who purchased a $5 or $10 service and immediately became a squeaky wheel. Customers for life, they refer their friends to you, and frequently.

Learning 294