how to keep a good credit scoreIf you want to purchase a house or car someday, one thing that you’re going to need to have is good credit. That is what sends a message to your potential loaners or creditors that you are responsible with money – that you pay your bills on time.

If you’ve made a few credit mistakes in the past and you’re curious to know about some of the things that you should do in order to establish your credit and also keep it intact, here are five tips that can help you to do just that.

Get a secured credit card. If you don’t have a credit card, there are some benefits to that. The main one being that since credit cards are basically plastic cards that come with interest, if you purchase things with cash, you decrease your chances of going into debt. So, what is the advantage of having a credit card? Well, one of the main ones is the fact that it’s one of the most effective ways to establish credit. That said, one card that you can get that will help you to use credit responsibly is a secured credit card. Being that it’s tied to your account and it has a lower limit, that will essentially help you to pay your balance on time.
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need lawsuit fundingCivil rights include freedom of speech, assembly and press. These rights protect the citizens of the country from various atrocities. There are various statutes that have been formulated by the government to protect a person from discrimination that are based on sex race, origin, sexual preferences and origin. If you have faced any discrimination or have been denied any civil right then, you can opt for the civil lawsuits. These lawsuits can be filed against the defendants who have victimized you. The victim files the case to seek compensation for the loss that they have suffered. The victim is also referred as the plaintiff and is represented by an attorney in the court.

Types of violation

There are civil and federal laws that prohibit various agencies from discriminating the citizens based on the sex, race, origin or any other ground. Violation of civil rights might include racial discrimination or sexual discrimination and also any other form of exploitation. Irrespective of the nature of the damage the has been caused, the main aim of these cases are that you are fighting for the civil rights and this process can be time consuming in nature. During the litigation, you might have lost the job, and you might be in need of the money to compensate your lost income.
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Do you have an emergency fund?Life is full of ups and downs. You can sail through tough times if you have the support of your loved ones and adequate funds to see you through. It is important to save for rainy day funds. With high rates of unemployment and inflation it is important to plan well in advance for the future. A rainy day fund is also known as an emergency fund which will ensure your financial liquidity at all times. You can consider putting away some amount of your income in an interest earning savings account to secure your future. Do not use this amount of money for investments.

Maintaining a savings account

For rainy day funds a regular saving account is ideal. The savings can get you through tough financial situations and help you to finance emergencies. You should keep this section of your savings in a different account where other transactions do not affect this savings. It is essential that you are consistent and savings become a regular part of your monthly budget. Decide on how much you can save and ways in which you can reduce your spending. This additional amount of money can go into your rainy day funds. Do not wait for the end of the month to make the deposit and do not make withdrawals from the saving account until it is necessary.
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community eventToday a friend and I are going to host a community event to reach out to our local community.  Neither one of us wanted to spend a lot of our own money, so we decided to keep things simple, as well as to ask our community for help.

Here’s what we did:

Our community outreach is to connect with the people in our community that were originally from another country.  Our little community has approximately 22 different nationalities represented, so we decided to celebrate this by hosting a potluck in the local park.  We asked everyone to bring a dish from their heritage that they’d like to share with everyone.  By doing this as a potluck rather than say, as a barbecue, the costs of food were much lower and our responsibility to provide food for everyone was greatly reduced.  Now we just had to fill in the gaps and anticipate needs.

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how to pay less for phone, internet, and cableWe’re all interested in ways to save on our monthly bills, especially when our budgets are stretched to the breaking point. But we also enjoy having the entertainment options offered by cable and the internet, not to mention the connectivity provided by the latter, along with a home phone. And while we don’t want to give up the phone, internet, and cable service that has become so ingrained in our daily lives, just about everyone would be happy to get the same or similar services for less. Luckily, there are plenty of ways to cut costs without giving up the services you use daily. Here are just a few effective ways to save money on these monthly expenses.

Shop around. Corporations operate with a bottom line in mind, and believe it or not, this can actually be to your advantage. Their job is to make money while your job as a consumer is to find the best prices for the services you need. And you can use their goals to meet yours. But how? In order to make money, businesses need consumer support. That means you. Granted, there are likely to be industry standards and company policies that limit how low they can go with their prices, but most providers are willing to go a long way to keep you from heading to their competitors. This could include price matching or even throwing in extras to get your business. So don’t be afraid to compare prices and negotiate for what you want.
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save on apartment rentWhile most of us would like to one day attain the American dream of owning a home, there are plenty of people that, for one reason or another, end up living in apartments. Perhaps you are in a stage of your life that is impermanent, and the thought of buying and selling a home in short order is simply undesirable. Maybe you don’t have the money to pay a mortgage or you’re saving up for a down payment on property. Or it could be that you just appreciate the benefits of apartment living, particularly the lack of maintenance duties. Whatever your reason for living in an apartment, though, you’re probably interested in paying as little as possible for an acceptable living space. Here are a few easy and effective ways to save on apartment living.

Downsize. Sure it’s nice to have that extra bedroom for a home office or to accommodate guests, but extra space definitely means additional rent that you may not be able to afford. If you’re looking for ways to save on the cost of renting an apartment, the easiest and quickest solution is to downsize to a flat that features less square footage. This could mean swapping out oversized furniture for convertible options, but the money you’ll save could net you a nest egg for the property you hope to purchase one day.
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credit card newbie tipsAre you new to the world of credit cards? It is important to know that you made the right decision when applying for a credit card. It will not only give you more financial freedom, but it will also boost your credit. If you are trying to find a way to build your credit, there is no better way to do so than with a major credit card. However, there are some important things that you should know about credit cards before you start swiping away. Here are five things every credit card newbie should know.

Not all credit cards are created equal. This is something that you want to consider when choosing the best credit cards. Yes, they may all be rectangular, but each company will have different terms and conditions. Plus, based on your application, you may only be approved for a certain maximum. Then, of course, you want to understand the terms of interest. When it comes down to it, learning about terms and conditions is critical before you sign up for a credit card.
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