Beginning to build good credit early is important, but it is even more important to build it responsibly. As early as 18, you may start to receive credit card offers. Understanding all the details before you decide to open one will help you manage it responsibly and benefit your overall financial health. Keep these six considerations in mind when deciding to apply for your first credit card.
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Sooner is always better when it comes to saving for retirement. Making contributions to a retirement savings account early in your career will allow your money to grow and compound over the years and provide excellent tax benefits, which will help in the long-term. An individual retirement account (IRA) is a common type of retirement savings account that you may want to consider, and the most popular types of IRAs are Traditional IRAs and Roth IRAs. These accounts have some similarities, but the primary difference is when and how you get a tax break. Here’s how to decide which might be right for you.
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Buying a pre-owned vehicle may help you save money and get the most value out of your purchase. However, not every vehicle on the lot is a good buy. There are several steps vehicle shoppers need to take to ensure they are making the best financial decision possible for their needs. What should car buyers look for when buying pre-owned vehicles?
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Buy a new car is all about decisions, from the color and style of the vehicle to whether you want the latest tech or fuel-efficiency. One of the biggest choices you will have to make is between buying a new vehicle or one that’s new-to-you.
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Buying a new car is exciting, but it is also a big decision that can significantly impact your finances for several years. That’s why it is crucial to do a bit of homework before you ever step foot onto a dealer lot. A little prep can help to reduce the price of the vehicle, secure better financing options, and put you into a better financial position overall. Here are a few steps you can take to improve your car-buying experience so you drive away in a car you love and can afford.
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One of the most powerful car-buying tools is an auto loan pre-approval, which tells you exactly how much car you can afford. Pre-approval shows dealerships that you are a serious buyer and also helps you understand exactly what your car-buying budget is. While it can be tempting to skip ahead and start shopping, securing auto loan pre-approval can be a smart move for your finances.
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