5 Things to Know When Getting a Loan for a Motorcycle

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Ready to hit the open road with a brand new, or new-to-you, motorcycle of your own? Before you start shopping for the ride you’ve always dreamed of, it’s important to consider your overall financial picture and what lenders might be willing to offer you.

It might seem like shopping for a motorcycle loan is the same as shopping for a car loan, but there are a few financing caveats that are unique to purchasing a motorcycle.

Here are a few to be aware of.

4 Ways to Get Quick Cash Besides Predatory Personal Loans

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Faced with an unexpected expense or drop in income, many people turn to predatory loans in an effort to bring in cash quick. However, the ease with which the money can be borrowed comes at a high price.

Predatory loans are plagued by hefty fees and a repayment period that most people can’t meet, creating a never-ending cycle of debt. According to the Center for Responsible Lending, the average two-week payday loan has an annual interest rate between 391-521%, and the average borrower will stay in this cycle of payday loan debt for 212 days out of the year.

Instead of falling for a flashy storefront and easy cash, you may want to look into these alternatives to predatory personal loans.

5 Ways to Pay for a Wedding With Little Money

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If you’ve gotten married or attended a wedding recently, you know they can be expensive. The average wedding costs, as of 2014, just over $31,000 and that doesn’t even to begin to touch the cost of a honeymoon! In a perfect world, you would’ve budgeted for your wedding but in many instances that is simply not the case.

It is possible to pay for a wedding with little money, but pulling it off comes down to assessing your priorities. You might be tempted to think the only option is to take out a personal loan though there are many other options to consider. If you need to pay for a wedding with little money, have no fear as there are many possibilities that don’t require you to sacrifice your dreams, desires or the lifelong memories your wedding will make.

Why It Doesn’t Cost $250,000 to Raise A Child

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As a parent to three little ones, I can tell you one thing – they can be expensive! Not really earth-shattering, I know, but there is always something they seem to need. As a parent, I want the best for my children. What parent worth their salt doesn’t want that?

However, when I hear that it costs nearly $250,000 to raise a child, I get a lump in my throat. That doesn’t even include the cost to attend college! That amount is simply to get them to the age of 18. If you’re considering starting a family or holding off because of statistics such as this, I have one thing to say…

Citibank Gets Hit With $700M Fine for Deceptive Practices

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If you were one of the 8.8 million consumers who enrolled in Citi’s identity theft and monitoring protection programs, you may be entitled to a refund. Recently, the CFPB slapped Citi with a hefty $700M fine for deceiving their customers. This is the second largest settlement in history, just $27M shy of Bank of America’s settlement in 2014 which was very similar to this case.

The good news is that you don’t have to download years of credit card statements to see if you enrolled in their phony add-on products. Citibank should have already notified you or will notify you directly, there is no needed action on your part.

However, if you didn’t get notified but still feel like you’re entitled a refund, you can contact Citibank directly. So What Exactly Was Citibank Selling?

Citibank was primarily selling three different financial products: credit and identity monitoring services, debt protection products, and expedited payment fees.

Traveling Internationally? Here Are a Few Ways I Saved Big

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The idea of dropping thousands of dollars on a trip abroad literally gives me hives. As a self-proclaimed money worrier, I have a tough time swallowing any large lump sum payment, and with travel, there’s usually nothing tangible to show for it afterwards.

However, travel is something I would have a tough time living without. It might not add to my financial stability, but it contributes greatly to my happiness and that to me is a good investment.

So when I was presented with the opportunity to attend a wedding in France last year, and spend a total of two weeks country-hopping before and after the event, I knew I would have to squash my anxiety and make it happen. But saving money still took center stage in the planning process and during the trip itself.

Here are a few ways I saved while still managing to make it the trip of a lifetime.

How Soon Should I Use A Credit Card After Paying Off Debt?

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“How soon should I use a credit card after paying off debt?” This is a question I’ve received lately after speaking with a few individuals about my personal debt payoff journey. While the debt I paid off covered both student loans and credit cards, it was the latter that was the bigger pill to swallow. Not only did it encapsulate the free-spending ways I had taken on in my college years, it was also the most shaming.

That being said, credit cards are a major part of our society and can be challenging to live without. You may find that you never plan on using credit cards again, but for those who aren’t ready to make that commitment, consider some of the following points before making your first post-debt credit card purchase.

4 Tricky Pricing Techniques That Are Costing You Money

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Picture this: you’re at the store with the intention of buying one particular item, let’s say a television. You’ve settled on a size, but there are three price points to choose from. How do you decide which one you’ll be taking home? And how do really know you’re paying a fair price to begin with?

We’re faced with pricing conundrums everyday, whether we’re shopping for produce at the grocery store or clothes at the mall. You would think that with all of the purchases we make, we would really know a deal when we spotted one.

The truth is, in our brain’s attempt to put numbers into context, we’re often duped into making one particular choice for no good reason at all. More importantly, everyone’s brain is hardwired to process these numbers and pricing techniques in a similar fashion – and retailers know just how to use it to their advantage.

Three Big Reasons You’re Broke (and What to Do About It!)

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Do you often feel like you’re living paycheck to paycheck? Does it feel like as soon as you get paid, you go right back to being broke?

If you’re feeling a bit hopeless about your financial situation, you’re not alone. More than 75% of Americans are living paycheck to paycheck, with approximately 68% having less than $800 in savings.

If you’re relying on your credit card to get you through emergencies, it’s not hard to understand why it feels like you can just never get ahead. It can be emotionally and mentally taxing to be living a paycheck to paycheck lifestyle. But the good news is you can change it.

The chances are high that you’re making some serious mistakes that are prohibiting you from getting ahead financially. If you’re serious about getting out of the paycheck-to-paycheck lifestyle and are ready to make some big financial changes, then read on.

The Unexpected Ways Meal Planning Helped My Finances

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I’ve always been a lazy eater. This is something I’ve known since the first time I was tasked with packing my lunch for school. I might have craved a turkey sandwich with all the fixings, but I would opt for peanut butter and jelly instead.

Fast forward 20 years and I suddenly had to contend with the fact that the lazy food options generally weren’t the healthiest – or the cheapest. Instead of resigning to a life filled with pre-packaged food and trips to the drive-thru, I realized it was time to shift the way I thought about, purchased, and prepared food.

Enter the meal plan.

Reluctance followed me through each step of the process, but once I committed to the plan, I began noticing drastic differences – not just in how I looked and felt, but in how the rest of my life shifted in subtle ways as well.