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Are you a consumer who is not able to get away from salespeople no matter how hard you try? If so, you are likely one of the many frustrated individuals nationwide. You try and do things such as: Not give your phone or mailing address out Avoid signing up for countless credit cards Getting on the National Do Not Call Registry Despite those efforts, you still find yourself besieged by salespeople wherever you turn. The above-mentioned tactics (and some others) should help you cut down on sales efforts. So, are you ready to rid yourself of persistent salespeople? Take Steps…

Creating a budget plan is the first step to successfully getting out of debt and planning a strong financial future. However, making an effective budget and sticking to it isn’t always as easy as it sounds. Here are seven free online budgeting courses that can start you down the right path. Budgeting 101 (Credit.org) Created by the nonprofit financial literacy organization Credit.org, Budgeting 101 is a free online budgeting class that you can take at your leisure. First, you’ll take a pre-quiz that measures your current knowledge level about budgeting, then you’ll take interactive classes on tracking spending, calculating income,…

Easier Said Than Done Debt is a scourge that can take over your life and leave you with essentially nothing in return—nothing but lost time and bitterness. But it’s not a scourge that is totally undefeatable; it just may take a little concerted effort to rebuff. To that end, you need to know how you got where you are, what you owe, and how to get out. First, focus on how you got where you are. Is the debt you’re responsible for debt you’ve inherited, or debt you’ve sourced? Some debts pass a statute of limitations, and you may not…

Yoga is a great way to achieve inner peace and a clear mind. But it can be expensive to take classes and buy your equipment when you first get started. I love yoga and have been doing it for years. I seem to spend a lot of money on my hobby, especially on the weekly classes. In recent times, I’ve found it more and more difficult to pay for everything in my life. And then a yoga partner showed me a way how I could save money with my day-to-day purchases. How I Make Savings and How You Can Too:…

A lot of people find it far too complex to purchase so called “distressed” real estate. This is because this type of real estate is not the type you buy to move into with your family. Rather, you need to have a strong composure and a lot of imagination. But, if you want to make it in the real estate industry, then you need to have those things anyway. Now, interestingly, distressed properties are particularly popular with nonprofit companies, who buy and sell them for a profit to further their cause. For this, however, they need a broker. Many brokers,…

When it comes time to acquire a vehicle, you can either choose to lease it or to own it. While leasing may be the less expensive option in some cases, opting to buy a car outright also provides you with several benefits. Let’s take a look at a few benefits that may not come to mind right away. The Vehicle Can Be Used to Secure a Loan An auto title loan allows you to borrow between 50 and 80 percent of the equity in your car depending on the lender that you choose to work with. If you had $10,000…

The forex markets are constantly moving, proving traders with opportunities to make money during most times zones across the globe.  The most liquid currency pairs are the best securities to trade if you are attempting to find momentum.  While over the long term, currency pairs are driven by macro factors that are driven by interest rates changes, short term movements are more technical in natural which allow traders to employ technical analysis strategies. If you are trying to determine the long-term trend in a currency pair, you can look at the interest rates differential which usually move in tandem with…