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Banking 101 For (Very) Small Business Owners

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If you’ve ever looked for banking resources, you’ve probably noticed that many of them are oriented towards “small” business with hundreds of employees and revenue that might make your head spin. While this advice may be mostly applicable to companies of any size, very small businesses face a variety of unique challenges. If you are your business’s only employee, or you only employ a few people, then many of your day-to-day challenges will be much different from those faced by larger companies.…

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Tips For Managing Mortgage Closing Costs

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When you apply for a mortgage, you need to be prepared for the closing costs that you will incur at the time of the closing when you take possession of the property that you’re buying. Especially for first-time buyers, sometimes the closing costs come as a surprise and catch buyers unaware. Here are a few things that you should know about the closing costs and ways that you can help to reduce what you pay at the closing.…

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What You Will Need To Get Preapproved For A Loan And What This Really Means

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Are you ready to begin setting up viewings for homes for sale so you can buy one? If so, you should not begin this process until a lender gives you the go-ahead for this by telling you that you are preapproved for a loan. If you have not completed this step yet, you will need to before you shop for a home, and here are several things you should know about what getting preapproved means and how to go about doing it.…

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Top Reasons To Consider Refinancing Your Mortgage

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If you feel that you are struggling to pay your bills, one option is to have your home refinanced. Then, you’ll likely be able to benefit from being able to make lower monthly payments. However, it is important to know when it might be appropriate for you to refinance your home.  Lower Your Interest Rates In some cases, refinancing just makes sense. For example, if your payment length is the same, you’ll be paying less overall because you’ll have a lower interest rate.…

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3 Ways To Finance Car Repairs

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Owning a vehicle is expensive. In addition to paying off the loan on the vehicle, paying insurance, and regular maintenance, such as oil changes and new tires, you also have to take care of major repairs to your vehicle. Those major repairs though can be tough to plan and budget for. If your vehicle needs to be repaired, and you don’t have the cash on hand to just pay the repair bill, you have a few different financing options.…

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Don't Make These Mistakes When Posting Bail

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No one plans on being arrested, so finding yourself in jail can be an overwhelming experience. You don’t want to spend more time in a jail cell than you have to. Working with a bail bondsman to secure your release can be an affordable way to legally leave the jail and await your trial date at home. Unfortunately, you can make some critical mistakes when securing your bail that will make a bad situation worse.…

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3 Ways To Save On Your Mortgage

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Buying a home is a major financial decision. Chances are that you will be making payments on your mortgage for years or even decades. While you may be focused on finding the right home for your needs in the right location, it’s important to pay close attention to your mortgage. Just a slightly lower interest rate or being able to avoid private mortgage insurance can help you save thousands of dollars over the course of your home loan.…

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The Conditions of a Bail Bond

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After getting arrested, the only thing you might be thinking about is how you will get out of jail as fast as possible, and the answer to this is often by turning to a bail bondsman for help. If you choose this route, you can get out of jail quickly, but you will also have conditions you must agree to and follow when you are out on bail. Here are some of the conditions you might have to follow during this time.…

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Why Credit Cards Aren't A Replacement For Installment Loans

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When you have a large expense that you cannot pay for with the cash you have on hand, you might instead consider placing it on your credit card. This is a feasible solution when you have a high credit card limit, but it is also not something that you should do with your finances. Credit cards can have an APR that is too high to be a good financial decision. An installment loan might be a better option.…

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How To Run With The Big Dogs | Financing New Equipment For Your Small Business

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There comes a time in every small business when you have to spend money on new equipment in order to get the next big job, to land the new account, or just to run with the big dogs in your industry. While financing plastics equipment or new construction equipment is not as simple as buying a new car, there are options available to small business owners, even those without established business credit, especially when you are willing to get creative.…

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