6 Super-Effective Boosts for Your Credit Rating

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  It is said that having no credit rating is worse than having a bad credit rating, and having a bad credit rating is, well, bad. A bad credit rating is why people have trouble trying to secure bank loans and other forms of credit. A good credit rating is more likely to get that loan application approved. One of ...

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Working Past Retirement: What Should You Prepare?

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  Whether it’s for a challenge, a sense of fulfillment, or simply a lack of options, working past retirement slaving away in an office cubicle can be, at a glance, a distasteful option, but it doesn’t have to be that way. Flexibility and less physically strenuous activity would be nice aims to achieve. Here are several ways to prepare your ...

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Should You Consider Joint Home Ownership?

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  Unless you’re born with a silver spoon in your mouth, a mortgage loan for a property is a decades-long commitment, one that you may not be able to qualify for by yourself at the present time. When that happens, you can choose to either wait a while longer to build up your savings and credit rating, or to co-sign ...

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How to Cheat Death with a Survivorship Clause

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Okay, so maybe the survivorship clause isn’t the key to eternal life, or anything flashy like that, but it does help your survivors circumvent the inconvenience – if not the heartbreak – caused by your death. You’d want your family to be able to live on comfortably without you, and to a certain extent, that comfort is guaranteed by financial ...

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Are Money Matters Getting in the Way of Your Life Decisions?

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66% have admitted that financial fears are the worst things they fear in their lives. Considering that many of us are graduating into debt, or falling into debt once we make big-ticket purchases such as our first car or house, it’s a very real fear, but it shouldn’t debilitate our life decisions. Like any other fear, financial fears can be ...

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How to Improve Your Home Security for Free

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You’d be forgiven if your first thought to keep your valuables safe is to find places that crooks won’t look. Sure, finding safe spots (hint: drawers, closets and freezers are bad ideas) might prevent some of your valuables from being looted, but the best outcome is no burglaries at all. Even a half-thorough attempt through your home will result in ...

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The Benefits of Ride-Sharing Apps

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Malaysia has been embroiled in a war over ride-sharing apps and the turf they share with existing taxis for a few months now. Taxi drivers are unhappy, going as far as to ‘kidnap’ ride-sharing drivers and protesting in Kuala Lumpur. The government keeps oscillating between banning such apps altogether and regulating them instead. Laws come into play, prominently the lack ...

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Amazing Income Tax Tips You Need to Know

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The deadline for the ever-dreaded income tax filing period is fast approaching, so for those who haven’t done it yet, it’s time to hustle! The amount of tax you pay is based on your chargeable income, which is the amount derived from subtracting tax exemptions and tax reliefs from your taxable income. But did you know that your chargeable income ...

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