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Teaching Personal Finance in Schools

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When I went to high school, there were no classes offered on personal finance. There wasn’t even a class that touched on the subject. But I sure wish there was! I think schools now-a-days are too concerned about “book smarts” and less concerned about “street smarts”. You know, tools on how to live your life. […]


Calling Credit Cards To Reduce Your Rate

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I decided today to start small and I called Credit Card #3 to see if I could negotiate a lower balance. Currently, the interest rate on the card is 16.47% and my balance is $900. I figured I had a good chance of lowering the rate on this card. Here’s how the telephone call went […]