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Kamel LoveJoy

Credit Card vs Debit Card: Which One Should You Use?

6 min read

Credit Card vs Debit Card: Which One Should You Use?

Picture this: you’re grabbing snacks after school, and the cashier asks, “Credit or debit?” Both cards look alike, but they pull money from very...

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Back‑to‑School Drive Savings: Cut Your School‑Supply Costs in Half

3 min read

Back-to-School Drive Savings: Cut Your School‑Supply Costs in Half

Across the U S., the cost of gearing up for class just keeps climbing. The National Retail Federation says families will drop about $858 this year on...

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How to Build Credit with a Credit Card: Best Practices for Beginners

4 min read

How to Build Credit with a Credit Card: Best Practices for Beginners

Back in the late ’70s, when Abuela Carmela first arrived in Texas without the residency papers banks demanded, she tucked every hard‑earned dollar...

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What is an ITIN? A Guide to Turning a Tax ID into Real Possibilities

4 min read

What is an ITIN? A Guide to Turning a Tax ID into Real Possibilities

Lisa’s Guide to Turning a Tax ID into Real‑Life Possibilities “Lord, please help me understand money.” That’s the prayer 19‑year‑old Lisa whispers...

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How to Use Home Equity: Smart Strategies for Savvy Homeowners

4 min read

How to Use Home Equity: Smart Strategies for Savvy Homeowners

Home Equity 101: A Quick, No-Jargon Refresher Home equity is the portion of your home you own rather than owe. Every mortgage payment you make and...

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What Is Buy Now, Pay Later? Smart Budgeting Tips Everyone Should Know

4 min read

What Is Buy Now, Pay Later? Smart Budgeting Tips Everyone Should Know

Picture this: you’re scrolling a sneaker drop, the timer is ticking, and a pink button pops up—“Pay $30 today, then three more over six weeks.”...

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How Does a Home Equity Loan Work?

4 min read

How Does a Home Equity Loan Work?

Picture your home as a giant piggy bank. Every mortgage payment you make chips a little more paint off that bank and reveals actual dollars inside....

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Understanding Car Loans: A Simple Guide for Smart Borrowing

4 min read

Understanding Car Loans: A Simple Guide for Smart Borrowing

When you're in the market for a car, figuring out how to finance it can feel like a big challenge. But understanding the ins and outs of auto loans...

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10 Common Scams You Need to Know About and How to Avoid Them

4 min read

10 Common Scams You Need to Know About and How to Avoid Them

You work hard for your money, and it’s important to protect it from the growing number of identity theft and financial scams out there. Fraudsters...

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Can You Refinance a Personal Loan? Here's What You Need to Know

5 min read

Can You Refinance a Personal Loan? Here's What You Need to Know

Life is unpredictable. Maybe you took out a personal loan for school, a car, or even a much-needed vacation. But now, whether it’s because your...

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