The Great “Car Buying” Hoax

We have all been there…hands on the steering wheel, head hung in desperation while your faithful old car engine smokes and sputters.  Your mind is reeling with questions:  How do I get off of this street?  Will I get towed if I leave it here?  How much is this going to cost?  Can I fix…
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The Most Important Step You Can Take When Rebuilding Your Credit

Bouncing Back If you’ve been in trouble with debt in the past, you may not have any intentions of obtaining another credit card ever again.  Although avoiding credit might be necessary until you are confident in your ability to live within a budget; eventually, you may want to take steps to start improving your credit…
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National Protect Your Identity Week Is October 20-27: Do You Know How To Protect Yours?

According to the National Foundation for Credit Counseling (NFCC) Identity Theft has been the number one complaint at the Federal Trade Commission for the past 12 years, and it’s on the rise. Don’t be a victim! Follow the steps below to protect your identity:   Read your credit reports. You have a right to a…
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Keeping The Heat On

Winter is fast approaching, and living in Minnesota, I expect lots of snow and cold! At the farm, we just stocked up on firewood; several cords of oak and maple that will definitely keep the chill away! I love heating with firewood – it is cozy, and as warm as the fire I stoke. I…
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What Is A Credit Score?

There should NEVER be any surprises on your credit report. That’s why it is important to always keep a close eye on your report, pulling it at least annually, if not 2-3 times per year. Another important number to watch is your credit score. Although the number doesn’t define who you are as a person,…
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