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25 Best Items to Flip for Profit

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So you know you need to earn extra money each month, but you are not sure where to start. You can earn extra money when you start to flip for profit. If you are looking at flipping items to make a little (or a lot) of extra cash, you need to make sure you know what to look for.  It is easy to see a great deal on something and assume that it will sell for more.  That is simply not always the case.  Many of these times you will just end up with a pile of stuff you just can’t get rid of.

Looking for a way to earn extra money? There is a lot of money to be earned through flipping items. Don't know where to start? 25 Best Items to Flip for Profit

So when you want to flip for profit and you are out shopping, make sure that you have a plan on what you are looking to buy as well as the amount that you are willing to spend.  In case you need a little bit of help knowing what to buy, check out this list of the 20 best items to flip for profit:

  1. Brand name clothing.  People will pay big money for brand name jeans and clothing.  It’s not hard to find a pair of $120 jeans for $5-$10, which can almost always be resold for $25 or more.  That’s a pretty good profit right there!
  2. Brand new clothing.  If you find brand new clothing with tags still on, it can be a good sign that you can sell it for profit.
  3. Antiques.  Keep an eye out for antique items that you can buy at rock bottom prices.  Nostalgia is strong and people will spend big money on these items.
  4. Old Toys.  Yes, these can be antiques as well, but they do deserve their own category since there are so many collectors of old toys.  Old metal and wooden toys in good shape can almost always be resold.
  5. Legos.  Did you know that some people make a full time living simply flipping Legos?
  6. Old Coffee Mugs.  I love old coffee mugs and so do a lot of other people! They will pay well for a classic one.
  7. Real Wood Furniture.  These are obviously not feasible to flip if you need to ship them, but if you are able to sell them locally, real wood furniture can be very profitable.
  8. Sports gear.  Sports gear, both old and new can be great for resale.
  9. Vintage Kitchen gadgets.  Potato mashers, old KitchenAid mixers, etc.
  10. Vintage Tupperware and Pyrex containers.  You will find great opportunity for income with these vintage food storage containers.
  11. Vintage Glassware. I already mentioned Pyrex, but really any vintage glassware can be a great flipping item.
  12. Board Games.  Board games, especially classic editions, can be a bit hit.
  13. Mason Jars.   Always a favorite for canners and decorators.
  14. Photography Equipment.  Both old and new photography equipment sells well.
  15. Baby clothes.  As long as the clothes are clean and in good shape, you can easily sell them on many online platforms.
  16. Records.  People love their classic vinyl records.
  17. Picture Frames.  Older style picture frames are a huge seller right now.  If you find any at yard sales, I recommend buying them.
  18. Office Furniture.  Not the cheap stuff either.  Oftentimes people starting a business are doing so on a budget, so they will be looking to buy used.
  19. Video Games/Consoles.  Video game consoles, especially vintage ones are a hot seller.
  20. Books.  Be sure to have your smartphone on hand to do a little research when you find cheap books, they may be worth a lot.
  21. Outdoor Furniture.  Outdoor furniture is a big seller, especially during the warmer months.
  22. Bikes.  If you find kids bikes for free or cheap, grab them when you can.  These are great sellers!
  23. Tools.  Sometimes people are cleaning out their garage and have no idea how valuable tools can be. These types of things sell great at yard sales and large flea markets.
  24. Garden/Lawn Equipment.  These are great to buy at the end of the season and put up for sale in the spring.
  25. Canvas artwork.  You never know when you might stumble into a valuable painting.

What is your favorite things to flip for profit?

 

 

The post 25 Best Items to Flip for Profit appeared first on The Spring Mount 6 Pack.


5 Tips to finding a good bankruptcy attorney

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Bankruptcy is one of the most complicated financial problems one can possibly go through. Unless you have no other choice, never ever think about declaring bankruptcy. Take note that the moment you declare bankruptcy all of your hard-earned assets will be forcibly seized and used as payment to your creditors. That is why, before even having the thought of declaring bankruptcy, try to explore all possible remedies to pay your creditors and escape the financial crisis. There are many methods such as; debt restructuring; getting another loan; selling some of your assets; mergers, and much more. As long you wrack your brain off and get a little bit of luck, then you will surely be able to avoid bankruptcy. However, if worse comes to worst and you do have to declare bankruptcy eventually, getting a good bankruptcy attorney can at least help you get the best deal out of your assets. This attorney will be the one to assist you with the necessary paperwork, documentation and represent you in your litigations. Thus, it is very important that you get yourself a good bankruptcy attorney. And with that being said, here are 5 tips to finding a good bankruptcy lawyer.

 

  1. Hire specialists from small firms

 

The last thing you want to do when facing bankruptcy is to spend more. You would want to get the best out of your very limited budget, right? Thus, hiring the services of a specialist from a small law firm would be your best choice. Yes, famous and big firms can definitely provide you with the expertise and experience with their large pool of capable attorneys with their staffs of paralegals and clerks. However, getting a big firm to represent your will surely cost a lot of money which will make things harder for you. What you can instead to find specialists from smaller firms that are cheaper but can also provide top-notch service.

 

  1. Accreditation and Certificate

 

Each state in the USA has their own bar and lawyer associations. A lawyer needs to be certified and approved by each state in order to practice in their jurisdiction. There are many ways to verify if the attorney you are going to hire is qualified in the state you are in. You can easily search them through an online site, Law Bamba – http://www.lawbamba.com/. You can just easily type the name of the attorney and check if they are licensed and accredited in your state.

 

  1.  Referrals from friends

 

Try to ask some of your friends if they know or is acquainted with a good bankruptcy lawyer. The better if you have friends in the legal industry as they can search through their extensive network for the best lawyer then know. Plus, with their referral and their friendship, you can even most likely get a discount on the fees.

 

  1. Communication

 

A good bankruptcy lawyer is one that asks for your opinion. Even if they know their way around, listening to what the client wants is still a very important thing to do. Remember that the attorney will be representing your thoughts in a legal manner. That is why a good communication line must be established. Even if you aren’t familiar with the procedures and guidelines, a good attorney will always take their time in explaining to you the consequences.

 

  1. Updated with the latest guidelines

 

Laws and statutes from time to time are amended or even replaced with better laws. Thus, a good lawyer must be up to date with the latest changes and revisions in the law. You can easily spot this from the way they talk and recommendations they tell you. They should be able to at least mention cases that are very recent and is similar with your current predicament. In the end, it is still you who is the main subject of the bankruptcy, thus it wouldn’t hurt for you to read and learn some of the most recent revisions to the law. And from there, you would easily be able to judge the potential lawyer on his knowledge on the latest changes in the law.

 

The post 5 Tips to finding a good bankruptcy attorney appeared first on The Spring Mount 6 Pack.

3 Effective Ways to Brand Your Travel Page on Instagram

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Instagram has risen to greater heights in the past years, even surpassing its rival Snapchat and Pinterest. The widely used photo sharing social media platform has captured the interest of many that it reached 700 million active users in the first quarter of 2017. With this number, it is not surprising that businesses—big and small, dive in and use the platform to connect to their customers. In fact, many businesses found success using Instagram and many are following suit. Yet, like any other social networks, there is a need for a good strategy to rake in attention for your brand on Instagram. Smart branding, consistency, and a good taste for shareable photo content are just some of them.

For travel pages and travel business, Instagram offers a unique opportunity as visual content makes up most of the increased interest in travel and leisure. However, many travel pages still fail at maximizing this opportunity because they lack the right branding strategy. Here are some of proven effective brandings strategies that successful travel pages use in their Instagram posts.

  1.    Location, Location, Location

Travel is all about locations—an obvious fact that many often overlook. When posting on Instagram make sure to highlight the location of your pics. Use the location feature all the time to inspire interest among target audiences. As well, the variety in locations also makes a travel brand attractive as it sends a strong message of promising service. Social Media today reported that 48% of users rely on Instagram to find travel destinations and this is something you need to take advantage of.

  1.    Using Hi-Res Photos and Watermarks

An Instagram feed can be overwhelming to a user’s eye with lots of creative photo content streaming. And in this kind of situation, attention is the name of the game. To get that much-needed attention, you have to have photos that call for it. High-resolution photos easily grab attention as it easily stands out. In addition, use watermarks of either your brand logo or brand name in strategic areas of the photo, some even use their social media or website URL. This is to ensure that wherever your photo goes, it has your brand name on it.

  1.    Decide and Go for a Theme

Photos of places, skyscrapers, tourist spots and many others are all around Instagram and standing out can be quite challenging. This is why many successful Instagram travel pages opt for a certain theme that creates a unique personality for their pages. Determine your target niche and start from there. If your travel page is all about luxury, make sure it is portrayed in your posts. It can be themes of natural wonders, skyscrapers, daily lives, or whatever. The important thing is to stick to it and use your creativity around it. Curate content that speaks about the kind of travel experience that you offer—the one that appeals to your target market.

Instagram is a very helpful platform for those who know how to use it. Failure to use these strategies and others like it can only mean wasting of time and money. So be smart.

The post 3 Effective Ways to Brand Your Travel Page on Instagram appeared first on The Spring Mount 6 Pack.

How to Make Money Blogging with Networks

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This post contains affiliate links.

So you have decided to start a blog. Great. You have started writing and you have some great content on your site. You have people reading it. But now you want to know how to make money blogging. There are a few ways that bloggers make money. A few ways are

  • Ads
  • Affiliate Marketing
  • Sponsored Posts

Want to make money blogging but you don't know where to start? Here are 5 networks that are great for people who are just starting off.

I use a combination of these in order to make money blogging. In this post, I am focusing on making money with sponsored posts using networks. Networks act as a middle man to connect bloggers with brands. While the networks do want you to have readers and page views, you don’t have to have the highest numbers. These are some great sites to join in order to get sponsored posts.

Linqia: This network accepts bloggers even with very low numbers. You are paid according to your reach and you will earn more each campaign as long as you meet the goals from the last campaign.

Izea: Izea has changed over the years but it is still a great network, especially when you are starting off. You bid on the jobs that are offered and if they choose you, then you get paid the amount you bid. Sometimes you receive offers directly.

Blog Meets Brand: Blog Meets Brand tends to pay more for their campaigns. Like Linqia, you sign up and wait for them to notify you that they have something that fits your site.

PayU2Blog: I have never used this site but I know others who have. It is a great site when you are just beginning. The pay is lower than many professional bloggers accept, but it is great for when you are just starting out.

Massive Sway: Massive Sway does require a bit more page views but it is great once you get started. Once you are accepted, you can log in and apply for their jobs. The opps already have a set price and you pitch yourself as to why you will be a good fit.

 

 

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Become a Virtual Assistant and Make Money from Home

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This post contains affiliate links.

 

********* For a limited time offer Get the Work at Home Bundle for $47. That includes this course***********

Ok, so I have written a few times about ways to make money as a blogger, but what if blogging isn’t something that you are interested in. Maybe you don’t want to have to pump out content everyday and you just want to make money online. That’s ok, because there are other ways to make money online that has to do with blogging but isn’t exactly blogging. You can become a virtual assistant for bloggers.

Do you want to work from home but you are not interested in being a blogger? Become a virtual assistant taking this thorough course.

As a VA (virtual assistant) to bloggers you will be doing a lot of the back end things that bloggers pay others to do when they are too busy. Some of these responsibilities are

  • Write or edit blog content. Sometimes you get hired to write this content and other times you can write the content and post it online to be bought by bloggers
  • Manage social media accounts. Some clients hire people to completely manage their accounts and other times you could be hired to schedule things for the blogger.
  • Write listing descriptions
  • Create marketing graphics such as Pinterest images or for Facebook
  • Read and respond to emails
  • Promote products or services
  • Do promotion for bloggers
  • Create round up posts for bloggers
  • Make printable for others
  • Design graphics

So you love the computer and you want to work from home, and becoming a VA makes sense to you. Great. But you say you have no idea how to even begin. Even if you are starting from the beginning and you know nothing about being a Virtual Assistance, you can still become a virtual assistance.

You can either decide to learn as you go or you can invest in your future and take the Rockin’ VA Course.

Now I want to tell you before you get excited about the price. It seems like a lot. The course is $247. But if you purchase the course, and commit to working the course, you WILL MAKE MONEY! Not only will you make money, you can make $100 in your first day. That is even one of the chapters.

The course covers a large range of projects. While it does cover working with small businesses, it mostly focuses on building a client base around bloggers and website owners. While you don’t have to know anything about blogging and how to be a virtual assistant to a blogger, to succeed in this course you should have

  • Basic understanding of social media
  • Strong communication skills
  • Self-motivated and pro-active in finding solutions independently
  • Ability to research topics

The course also has a Facebook group that goes hand and hand that offers even more support and helps you further your ability to get clients.

If you are looking for a way to work from home and want to be a virtual assistant, I recommend the Rockin’ VA Course.

 

The post Become a Virtual Assistant and Make Money from Home appeared first on The Spring Mount 6 Pack.

4 Creative Ways to Earn Money

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This post contains affiliate links.

Money is tight for everyone. For many people, there is only so much money they can make at work. That means that people have to find another way to make money on the side. Sometimes that means you have to think outside of the box.

You can always purchase this Work at Home Bundle. It features resources for working from home. I have personally taken one of the courses offered in this bundle, and I paid $259 for it. Get the whole bundle, the Rockin VA Course as well as all of the others, for only $47.

Money is tight and everyone is looking for simple ways to earn money. Here are 4 creative ways to make money that will fit in your schedule.

Are you looking for a creative way to earn some extra money? Luckily, there are a number of things you can do. There are a lot of ways to make money that can fit in your free time and does not require getting an actual 2nd job. Here are four creative ways to earn money:

1. Start a blog. If you love writing, why not become a blogger? You can write about beauty products, review local restaurants, or even write about being a pet owner. Write about anything that you have a passion for. Read here on how to start a blog. Use Google AdSense and affiliate marketing to earn some extra money over time. Here are some networks that even new bloggers can join to make money blogging.

2. Write a book. Have you always dreamed of writing the American novel? Self-publishing programs, such as Kindle Direct Publishing, make it easy for anyone to publish their book. Whether you write a romantic suspense or a recipe book, you can publish it and watch your sales roll in.

3. Sell your homemade jewelry. If you have a knack for making jewelry – or anything else, for that matter – why not sell it? You can sell it online through Etsy or at local flea markets.

4. Sell your graphic designs. If you’re skilled at creating graphics, you can sell advertisements, logos, book cover designs, and more. You can start your own website or sell your designs through Fiverr.

These are just four creative ways to earn money. Whether you decide to start your own baking business or become a florist, the key is to put your creative talents to good use!

The post 4 Creative Ways to Earn Money appeared first on The Spring Mount 6 Pack.

4 Smart Tips for College Fund Savings

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This post contains affiliate links.

College fund savings can be difficult for many families to build. It’s not easy saving up for college, as you may already know. However, when you have a plan you definitely increase your chances of getting to your goal. It can take tens of thousands of dollars to get one child through college and if they want to extend their education past that, this number will only rise.

College fund savings tips to help you save smart and save more. College fund savings can be difficult for many families to build.

So what you can do to build a college fund savings?

Here are some tips:

  1. Start saving early. It’s never too soon to start saving for college. Seriously, if you begin when your child is born, you have 18 years to save and sometimes, that’s not even enough. Even if you don’t have a lot to start with, go ahead and start saving. It will also get you into the habit of doing it so that you continue to do it regularly, even when you have more to put in.
  2. Save your money in the most efficient way. While stats have shown us that more parents are saving for their kids’ college than ever before, most are not saving in the best ways. This means they could be getting a lot more for their money and efforts. Stats show that more than 40% of college fund savings are in low-interest or no-interest accounts like savings and checking accounts. A 529 college savings plan is a much better way of meeting your savings goals.
  3. Always apply for financial aid. 60% of undergraduate students get some type of financial aid and this can reduce the amount you owe by 20-40% in some cases, making the amount you need to save up for less.
  4. Avoid drawing from retirement funds. If possible, don’t dip into retirement funds to pay for college. If you have to, do so sparingly. Withdrawals will count as income on the next year’s application so taking too much can hurt your chances at financial aid the following year. It also depletes the retirement fund, which is never a good option for parents.

With these four smart tips for college fund savings, you can do it right. Even if you can’t pay for all of your child’s college, every little bit helps take the burden off.

Here are some books from Amazon that focus on saving for college.


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Ways to make money online

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I work from home. So basically all the work I do is online. It is how I support my family. I have learned a lot of places to make money online over the years. I have also been scammed out of money over the years. These ways to make money online are real and many of them I use myself or have used in the past.

Looking for a way to make more money? There are a lot of scam when it comes to working at home. Try my Ways to make money online

Freelance writing: If you are able research a subject and write about it using correct grammar, there are a lot of places online that will pay you for your writing skills. There are a lot of opportunities to write blog posts, articles, social media updates, to more formal types of topics. Some people are able to write enough each week that it becomes their full time jobs.

Selling items: There are a lot of places online that offer marketplaces. Amazon, Ebay and Etsy are just a few. Using these online market places, you can sell used items that you have gotten from yard sales or your own house, create and sell beautiful crafts, or sign up with companies that provide the items and you just market them for sale to get the profit. These market places make it easy to sell online and earn a full time income or just a little extra to help ease your budget. The amount you can make depends on the amount of time you want to invest.

Affiliate programs and programs that pay you for referrals. Do your friends and family and followers on social media know you as the go to person for recommendations? Affiliate marketing is earning money when people you refer to a website buys the products or service. You earn a commission from the things that they buy or sign up for.  Some sites, the amount are small others offer higher percentages. There are also sites that pay you Ebates and Ibotta that pay you for using their service and referring others to it to.

Become a Virtual Assistant: A virtual assistant is someone who helps another person as an assistant but they work from home. It is a great way to make extra money and bloggers everywhere are looking for assistants. Don’t worry if you don’t know how to start. Rockin’ VAs teaches you exactly how to become a virtual assistance. While the course seems pricey, there is a section on how to earn $100 in a day. I tried the course, and I thoroughly recommend it. The ideas, and tips that these ladies teach are exactly what bloggers are looking for. Not only do you learn what you need to know, the course also connects you with people who are looking to hire and buy.

Or look into the Work at Home Bundle. This bundle contains the Rocking VA Course and so much more that you can use to learn to work from home on many different types of things. This course has so much packed into it. It is worth the $57 and then some.

Blogging: I always save blogging for last. Yes, you can make a money from blogging, I don’t want to lead anyone into the wrong idea. Blogging is hard work and it takes time. I earn all my income from blogging and being a VA, but it took a long time. And a lot of hours. Like any business, it takes time to get to the point where you can “quit your day job”. It is possible if you are willing to work for it. If this is something you are interested it, start by joining Blue Host to get started. You will need your domain name and web hosting service. Blue Host can help and it is inexpensive to get started.

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Saving Money on Food: 4 Ways to Reduce Waste

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Reducing waste is a great way to save money on your groceries but many people don’t put the thought into it at all. You could be throwing a lot of your money away in food waste. Are you searching for a way to save money on the foods you buy? There’s no denying that it’s a huge part of your monthly budget. The best way to save money on food cost is to reduce food waste. Not only will it save you money but it’s the right thing to do. It’s sad to see so much food thrown in the garbage when so many people around the world are starving, many of which may be living right in your own community.

Tired of throwing food away? Want to save money on food? Here are simple tips to reduce waste and save money on food that anyone can do.

Here are four ways to reduce waste and save money on food:

  1. Plan your meals and create a grocery list. By planning your meals and writing a shopping list, you can cut back on how much you waste in a couple of ways. It helps reduce impulse buying and it prevents you from overstocking foods you already have plenty of.
  2. Avoid cooking more food than you need at meals and save the leftovers. Instead of cooking big meals that you can’t finish, reduce the amount of food you cook for each meal. When you do have leftovers don’t throw them away. Save them to go with or to be the main course later in the week. Frittatas are great for using up leftover food. Try this Easy Skillet Frittata Recipe
  3. Organize your fridge and food pantry. When you keep everything organized and rotate foods, you can see exactly what you have and you can keep up with the expiration dates easier.
  4. Track your waste. It’s easy to throw away a lot more food than you realize, especially when you don’t see what other members of your family are throwing in the trash. By keeping track of your food waste, you’ll see exactly how much food and money you’re throwing in the garbage. It also makes it easier to implement plans to cut back on waste.

For those times when you accidentally buy more food than you can eat before it spoils, consider donating it to a local food bank. This way, instead of wasting it, you’re sharing the food with others who need it.

The post Saving Money on Food: 4 Ways to Reduce Waste appeared first on The Spring Mount 6 Pack.

Is It Easier to Get Approved for an FHA Mortgage?

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When you want to get approved for a loan so that you can buy a home, you need to make contact with banks and learn who will say yes and who is going to offer the best repayment terms. In exchange for mortgage approval, you have to be willing to provide a very detailed financial history. Bank account statements for the previous three to six months will need to be printed and copied. Tax records going back anywhere from two to three years will also have to be submitted. Lastly, mortgage companies that you contact will want to know how much you get paid and how often you receive a paycheck.

Is It Easier to Get Approved for an FHA Mortgage?

An FHA mortgage calculator can be used to reveal what you can safely afford to buy, which could help to get your loan processed and approved with less intrusion into your financial history. In some ways, it can be much easier to get approved for an FHA mortgage than a traditional loan, but you need to know what factors banks are going to be considering more closely and figure out if you can meet all requirements first.

What Is The First Step In Mortgage Approval?

You either need to be pre-approved for a mortgage or take the time to fill out a mortgage application in order to get started. Mortgage pre-approvals can help to accelerate the mortgage approval process, but they don’t guarantee that you can buy a home at all. What mortgage pre-approvals really say is that a particular lender is interested in doing business with you based on what they gleaned via your most recently updated credit report. If a derogatory line has been added to your credit report, a credit card has been maxed out, or you recently changed or lost employment, your pre-approved mortgage status could be obsolete.

When Do Mortgage Companies Ask for More Supporting Information?

Initially, you should be asked for all required information in order to get approved for a mortgage when your application is submitted. Lenders don’t typically ask for excessive amounts of information, but they do ultimately want to be able to render a yes or no decision both fairly and swiftly. If you claim to make a certain amount of money, but only provide proof of a portion of it, mortgage lenders will likely ask for more support to prove your total income. If you are a business owner and your tax records only go back two years, more tax returns could be requested so that the mortgage company can better judge whether your company is stable. Lastly, mortgage applicants who have changed employment, job titles or even locations might need to prove that they have a dependable source of income. Sometimes a letter from your employer detailing your promotions or job relocations will suffice and other times a verbal explanation can be useful.

What Kind of Red Flags Make It Hard for Mortgage Applicants to Get Approved?

You won’t automatically be disqualified for mortgage approval if your application contains one or multiple red flags, but it will be a bigger challenge. For instance, mortgage applicants who have a lot of debts are thought to be harder to qualify. Since most people are careful to review their credit reports and make all necessary improvements before they look for mortgages, submitting an application when you either already know that you are debt or have overlooked this fact can hurt your chances.

Next, new business owners almost always have trouble when they want to get approved for a mortgage. You might be looking to buy residential property or want a mortgage to buy your business headquarters, but either way you are asking a mortgage lender to trust you when you don’t have a lot of financial information that can be analyzed. Banks may traditionally ask new business owners to wait until two tax returns become available or require them to put a lot of money down in order to get a mortgage application approved.

Do FHA Insured Mortgage Have Restrictions?

If you go through the application process for mortgage approval and you get a favorable response, know that FHA loans do have restrictions that you should be privy of. FHA loans are predominantly for personal residences but there are sometimes that commercial loans can also be qualified. Additionally, you cannot get an FHA loan if you are looking only to purchase investment properties. In other words, you need to be looking at buying a property that you will either live in or work in if you expect to get your mortgage application approved. Many times, FHA loan approvals are easier for applicants because they are told what they need to do and what information to have on hand to get their applications approved, but not all applicants will have the same needs.

How to Find Out Which Kind of Mortgage Is Best for You Individually

You can apply for an FHA mortgage if you already know which homes in your area are within your price range, you have a fair credit rating, and income that can be verified going back two years. Business owners also can get better results when applying for FHA insured loans when there are commercial properties available locally that meet FHA requirements. On the other hand, you may need to start applying for mortgages that are offered by traditional banks, business lenders and real estate investors if you can’t supply the information that is needed for FHA approval. It is better to have more than one option available if you are set on getting mortgage application approval.

Many retirees cannot afford or do not want to take out traditional home loans, but a reverse mortgage presents a good alternative. The term “reverse” essentially means that the mortgage payments do not need to be made by you each month. Instead, your lender can make monthly payments to you, if you choose. You can use that monthly influx of cash to supplement your retirement income and spend it on anything you wish. Although, you can also request to receive one large payment instead. While traditional loans must be repaid in monthly installments, a reverse mortgage never has to be repaid unless you lose ownership of your home through your own death or a move to another private residence or an elderly care facility.

It isn’t necessarily easier to get an FHA mortgage application approved than any other type of application as there are set requirements. However, the good news is that FHA mortgage applications can’t be precluded because of income limitations or even bad credit histories. As long as you satisfy all outstanding debts and are able to come up with the down payment that you need to purchase a home in your price range, you can count on getting approved for an FHA insured mortgage.

 

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25 Best Items to Flip for Profit

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So you know you need to earn extra money each month, but you are not sure where to start. You can earn extra money when you start to flip for profit. If you are looking at flipping items to make a little (or a lot) of extra cash, you need to make sure you know what to look for.  It is easy to see a great deal on something and assume that it will sell for more.  That is simply not always the case.  Many of these times you will just end up with a pile of stuff you just can’t get rid of.

Looking for a way to earn extra money? There is a lot of money to be earned through flipping items. Don't know where to start? 25 Best Items to Flip for Profit

So when you want to flip for profit and you are out shopping, make sure that you have a plan on what you are looking to buy as well as the amount that you are willing to spend.  In case you need a little bit of help knowing what to buy, check out this list of the 20 best items to flip for profit:

  1. Brand name clothing.  People will pay big money for brand name jeans and clothing.  It’s not hard to find a pair of $120 jeans for $5-$10, which can almost always be resold for $25 or more.  That’s a pretty good profit right there!
  2. Brand new clothing.  If you find brand new clothing with tags still on, it can be a good sign that you can sell it for profit.
  3. Antiques.  Keep an eye out for antique items that you can buy at rock bottom prices.  Nostalgia is strong and people will spend big money on these items.
  4. Old Toys.  Yes, these can be antiques as well, but they do deserve their own category since there are so many collectors of old toys.  Old metal and wooden toys in good shape can almost always be resold.
  5. Legos.  Did you know that some people make a full time living simply flipping Legos?
  6. Old Coffee Mugs.  I love old coffee mugs and so do a lot of other people! They will pay well for a classic one.
  7. Real Wood Furniture.  These are obviously not feasible to flip if you need to ship them, but if you are able to sell them locally, real wood furniture can be very profitable.
  8. Sports gear.  Sports gear, both old and new can be great for resale.
  9. Vintage Kitchen gadgets.  Potato mashers, old KitchenAid mixers, etc.
  10. Vintage Tupperware and Pyrex containers.  You will find great opportunity for income with these vintage food storage containers.
  11. Vintage Glassware. I already mentioned Pyrex, but really any vintage glassware can be a great flipping item.
  12. Board Games.  Board games, especially classic editions, can be a bit hit.
  13. Mason Jars.   Always a favorite for canners and decorators.
  14. Photography Equipment.  Both old and new photography equipment sells well.
  15. Baby clothes.  As long as the clothes are clean and in good shape, you can easily sell them on many online platforms.
  16. Records.  People love their classic vinyl records.
  17. Picture Frames.  Older style picture frames are a huge seller right now.  If you find any at yard sales, I recommend buying them.
  18. Office Furniture.  Not the cheap stuff either.  Oftentimes people starting a business are doing so on a budget, so they will be looking to buy used.
  19. Video Games/Consoles.  Video game consoles, especially vintage ones are a hot seller.
  20. Books.  Be sure to have your smartphone on hand to do a little research when you find cheap books, they may be worth a lot.
  21. Outdoor Furniture.  Outdoor furniture is a big seller, especially during the warmer months.
  22. Bikes.  If you find kids bikes for free or cheap, grab them when you can.  These are great sellers!
  23. Tools.  Sometimes people are cleaning out their garage and have no idea how valuable tools can be. These types of things sell great at yard sales and large flea markets.
  24. Garden/Lawn Equipment.  These are great to buy at the end of the season and put up for sale in the spring.
  25. Canvas artwork.  You never know when you might stumble into a valuable painting.

What is your favorite things to flip for profit?

 

 

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5 Tips to finding a good bankruptcy attorney

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Bankruptcy is one of the most complicated financial problems one can possibly go through. Unless you have no other choice, never ever think about declaring bankruptcy. Take note that the moment you declare bankruptcy all of your hard-earned assets will be forcibly seized and used as payment to your creditors. That is why, before even having the thought of declaring bankruptcy, try to explore all possible remedies to pay your creditors and escape the financial crisis. There are many methods such as; debt restructuring; getting another loan; selling some of your assets; mergers, and much more. As long you wrack your brain off and get a little bit of luck, then you will surely be able to avoid bankruptcy. However, if worse comes to worst and you do have to declare bankruptcy eventually, getting a good bankruptcy attorney can at least help you get the best deal out of your assets. This attorney will be the one to assist you with the necessary paperwork, documentation and represent you in your litigations. Thus, it is very important that you get yourself a good bankruptcy attorney. And with that being said, here are 5 tips to finding a good bankruptcy lawyer.

 

  1. Hire specialists from small firms

 

The last thing you want to do when facing bankruptcy is to spend more. You would want to get the best out of your very limited budget, right? Thus, hiring the services of a specialist from a small law firm would be your best choice. Yes, famous and big firms can definitely provide you with the expertise and experience with their large pool of capable attorneys with their staffs of paralegals and clerks. However, getting a big firm to represent your will surely cost a lot of money which will make things harder for you. What you can instead to find specialists from smaller firms that are cheaper but can also provide top-notch service.

 

  1. Accreditation and Certificate

 

Each state in the USA has their own bar and lawyer associations. A lawyer needs to be certified and approved by each state in order to practice in their jurisdiction. There are many ways to verify if the attorney you are going to hire is qualified in the state you are in. You can easily search them through an online site, Law Bamba – http://www.lawbamba.com/. You can just easily type the name of the attorney and check if they are licensed and accredited in your state.

 

  1.  Referrals from friends

 

Try to ask some of your friends if they know or is acquainted with a good bankruptcy lawyer. The better if you have friends in the legal industry as they can search through their extensive network for the best lawyer then know. Plus, with their referral and their friendship, you can even most likely get a discount on the fees.

 

  1. Communication

 

A good bankruptcy lawyer is one that asks for your opinion. Even if they know their way around, listening to what the client wants is still a very important thing to do. Remember that the attorney will be representing your thoughts in a legal manner. That is why a good communication line must be established. Even if you aren’t familiar with the procedures and guidelines, a good attorney will always take their time in explaining to you the consequences.

 

  1. Updated with the latest guidelines

 

Laws and statutes from time to time are amended or even replaced with better laws. Thus, a good lawyer must be up to date with the latest changes and revisions in the law. You can easily spot this from the way they talk and recommendations they tell you. They should be able to at least mention cases that are very recent and is similar with your current predicament. In the end, it is still you who is the main subject of the bankruptcy, thus it wouldn’t hurt for you to read and learn some of the most recent revisions to the law. And from there, you would easily be able to judge the potential lawyer on his knowledge on the latest changes in the law.

 

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The Best Places to Find Items to Flip for Profit

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This post contains affiliate links.

Have you been thinking about making some extra money?  Have you considered how much money that you could make by flipping?  No, I don’t mean flipping houses.  I mean by flipping everyday items as a way to make money. Some people call it Thrifting for Profit.

Some people call it flipping, some people call it thrifting for profit, either way, you will need to find items to flip if you want to make money.

From household furniture and decor to jewelry and clothes, you can actually make really great money by buying items at a low price and selling them for higher. So where do you find these things you ask?  Well, there are several places, but I have found that the best places to find items to flip are these places you likely see every weekend.

Check out books on Thrifting for profit (Some are free with Kindle Unlimited)
Some people call it flipping, some people call it thrifting for profit, either way, you will need to find items to flip if you want to make money. Some people call it flipping, some people call it thrifting for profit, either way, you will need to find items to flip if you want to make money. Some people call it flipping, some people call it thrifting for profit, either way, you will need to find items to flip if you want to make money.

Hare are the best places to find items to flip:

  • Yard Sales.  To make the most of your yard sale trip, plan a day of it and head out to the richest part of town and shop at their yard sales.  I once saw a $3500 sofa being sold for $150 because it was last years colors and I have also personally bought a pair of $90 Silver jeans for $1!! Yes, I just said $1!  The yard sales that you see happening in the high-end parts of town are often because people want to get rid of stuff and occasionally it is a charitable type yard sale.  Both of these reasons are perfect for saving big!
  • Thrift Shops.  Thrift shops are great, especially when you spot the clearance and sale racks within a thrift shop.  You can find some really high-value items for pennies on the dollar.  I know a woman who shops at thrift stores twice a week and only buys items that are on sale or clearance, she then takes the items to a local consignment shop where she places it for sale.  She nets a profit of around $500 every month doing this.
  • Barn/Shop sales.  Yes, these are similar to yard sales, but they deserve their own mention because of the unique items that you can get there.  Many barn and shop sales are filled with tools that the owner no longer needs or uses.  Tool re-sale is big business.  Keep your eye out for high-end tool names such as Mac and Snap On.  Sometimes a single wrench can be worth $20-$50!
  • Curbside.  Lots of people set stuff outside of their house to give away for free.  Don’t be afraid to stop and grab it!  When you get the item for free, it is 100% profit!
  • Church Rummage Sales.  You can find some amazing deals at church rummage sales, plus, you can almost always guarantee that this money is going toward a good cause.  Oftentimes people donate their items to be sold so there is no personal attachment involved in the sale itself.  Also, consider shopping the sale on the last day, you are likely to find some huge discounts since the organizers are trying to clear everything out.   My last trip to a church rummage sale, I scored a $75 Nine West handbag for $0.50!

Have you ever flipped an item before?  Where have you found the best deals?

 

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How to Get the Best Interest Rate when Buying a Car

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Buying a new car is a big decision and negotiating the price is only part of the equation. You also need to know how to secure the best interest rate. A great car loan will finalize a great deal. You just need to know how to get it.

Before heading to the dealership, here are some tips on how to get the best interest rate when buying a car.

  • Shop your car loan separately from the vehicle. Before starting your negotiations on the car itself, you should shop around the loan application process. You need to know who is willing to give you a loan, for how much, and under what terms. This is important to know before picking your vehicle.
  • Shop the total loan amount, not monthly payments. You might have monthly payments on the brain since that’s how much you have to come up with each month, but it’s also important to shop for the total loan amount.
  • Know your own credit rate and history. Before trying to buy a new vehicle, you need to get familiar with your own credit rate and history. If you’re not already, it’s important to know your score and what kinds of things are going to show up on your credit report when you apply for a car loan.
  • Always read the fine print. If it sounds too good to be true, there’s a good chance it is. Read all the details of the loan contract before you sign it and if you’re not sure, get a legal expert to read over it for you before getting into a contract.

Now that you have these tips for getting the best interest rate, you’re ready to start shopping for your car. Keeping in mind that your interest rate is just as important as the car and the total price of the car will help you shop smarter and get the best deal for you overall.

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Lease or Buy – Know the Difference

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Back in the day, leasing a vehicle was reserved for corporate customers, or people looking for a luxury car. Today, leasing is as common a part of the car industry as buying. Paying cash or getting a vehicle loan are not the only choices you have for getting a new car. So, how do you know which is right for you?

First, you need to learn more about leasing versus buying and the important details of each. Then you’ll be able to determine which is best for your needs when you start looking for the best vehicle prices at the dealership.

Benefits to Leasing

Some of the benefits to leasing are:

  • You always have the newest model vehicle.
  • You still have an option to buy at the end of your lease terms.
  • There is no long-term commitment. Lease terms are usually about 3 years.
  • Monthly lease payments are lower than buying.
  • Great if you only have a small down payment for the new car.
  • Keeps your costs predictable.

When you purchase a car, you’re taking out a loan based on the cost of the vehicle minus your down-payment and trade-in value (if you had one). When you lease, however, you’re just financing the depreciation that will happen to the vehicle during the lease terms, plus fees. When the lease term is over, you can simply return the vehicle to the dealership.

Downsides to Leasing

Of course, there are always downsides and some of the cons to leasing are:

  • There are restrictions to the number of miles you can drive and going over can cost you penalties.
  • You can’t make significant alterations to the vehicle. You need to return it in factory condition, less expected wear and tear.
  • At the end of your lease terms, you have no equity in the car (unless you decide to buy out your lease).
  • Usually you need good credit to qualify for a lease (or a co-signer with good credit).

If you want to keep your car for a long time, buying may be a better option. Ask upfront if you have the option to buy out your lease. If not, then you may want to consider buying instead of taking a lease.

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3 Things that Affect Your Loan Interest Rate

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Are you in the market for a new car? Then it’s time to discover how to get the best loan interest rate when financing your new vehicle. There are ways to ensure lenders offer you the best rates possible and it all starts with these three things.

Your Credit Score

If you don’t know your credit score, then you’re not ready for a loan. This has a huge impact on how much interest rate you pay. Lenders consider buyers with a high score less risky than someone with a low score. Therefore, they will offer you a lower rate if you have a high credit score.

Income/Debt Ratio

Lenders look at your income and how much you owe to determine if you are a high or low risk for the loan. If your debt is almost equal to your income, you’re considered a higher risk and your interest rates will go up. On the other hand, if a large portion of your income is free, lenders consider you a more reliable borrower.

Amount and Length of Loan

In most cases, the more you borrow and the longer your agreement runs, the higher the interest rate. For this reason, it’s good to make the largest down payment you can and opt for the shortest term agreement that fits into your budget.

Knowing what lenders look at to determine your interest rate gives you a little more control over how much you pay. For example, when you know you have a high credit score, you can negotiation for a lower rate. You may also want to take time to save more money for the down payment or pay off a few debts before applying for the loan.

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Financing a Car: What You Should Know

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Financing a car is a big step, especially if you’re buying a new vehicle. You want to make sure you get the best interest rates possible and reasonable monthly payments. In order to do that, you need to know what type of things affect your loan. This way, you can prepare for the loan in advance to make sure you’re getting the best possible deal.

When financing a car, here are five things you should know:

  1. Know your credit score. This is very important because it affects your interest rates. Buyers with a good credit score pays less for interest than someone with a bad score. Therefore, if you have a low score, you may want to wait until you build up your credit before financing a car.
  2. Plan to pay at least 20 percent down on the vehicle? The larger your down payment, the lower your interest rates and payments will be because you’re financing less money than you would need if you make a small down payment.
  3. If you choose a long term contract to get lower monthly payments, you will end up paying more in interest rates than if you make larger payments each month. Therefore, it’s usually best to get the highest monthly payments and shortest term agreement that you can afford.
  4. You don’t have to use the financial institute the dealer suggests. In fact, you may even get a better interest rate if you talk to lenders first and get pre-approved for the loan before you go shopping for a car.
  5. You can save money by saying No to extended warranties and other coverage such as fabric or rust protection that you don’t really need. Sometimes, dealers add fees for things you can do without, so it’s very important for you to read the contract before signing.

When you know what affects your loan and determines your interest rates, you can take steps to get the best deal when financing a car.

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How To Save Money On Home Renovations

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Renovating your home is never the inexpensive process you would hope it would be. In fact, many people unfortunately end up going way over budget on the simplest home makeovers. This happens because they didn’t factor in potential surprise expenses.

Nobody wants to shell out more money than they expected. As an example when renovating your bathroom, you’ve already found the perfect plumber on PlumbingFix, paid a fair price for your modern bathroom sink, but weren’t prepared to have to install new pipes before installing your revamped shower. This type of financial setback can be avoided had you prepared for the inevitable repair surprises.

We’ve just shared one potential scenario out of many that could end up costing more money. If you’re looking to save money while fixing up your home, we’ve got a few tips that will help you during this tumultuous time.

  1. Consider Buying Look-Alikes

If there’s a particular fixture you’d like to see in your home but is very expensive, consider buying a look-alike. Doing so, you’ll be able to get what you’re looking for (more or less) at a fraction of the cost. Instead of paying for a brand name, you’ll get a much cheaper option.

As an example, let’s say your favorite company has a particular toilet bowl you really love. You want to install this toilet bowl in your house but realize it’s very expensive and don’t think it’s going to be possible. Instead of paying for the top-of-the-line brand-name toilet bowl, see if you can find a generic version similar to the one you like. If you can, you’ll end up paying much less for a similar toilet bowl and ultimately get what you want for a fraction of the cost.

  1. Don’t Be Afraid To Get Your Hands Dirty

In certain situations, you may be able to complete certain aspects of your home renovation project without needing to hire an expert. If this is possible, you’ll end up saving a great deal of money by performing parts of the restoration on your own.

As an example, let’s say you plan to demolish an entire room in your house and rebuild it from the ground up. Well, you do not necessarily need to be a skilled craftsman to do the demo work in the room. You can get a small sledgehammer and a crowbar, rip out the sheet rock and everything else and haul it down to the local dump or rent a dumpster and leave it in your driveway.

All in all, it will be a lot cheaper to do your own demolition work as opposed to hiring a company to do it for you. So, if you really want to save money on home repairs, be creative and be willing to perform certain tasks instead of paying someone else to do them on your behalf.

  1. Hold Off On Home Renovations Until Slow Periods

Contractors have their slow periods just like any other business. In particular, you’ll be able to hire a contractor on the cheap in January as opposed to hiring them in the middle of the summer. So think about hiring your renovation contractor during their off-season and it’s possible to save as much as 5% for their services.

Conclusion

Please use these tips to save money on the hottest trends in home renovations. They are incredibly effective and will help you save a great deal of money on your next project.

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The Best Items to Sell on eBay

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Are you thinking about making some extra cash by flipping items?  Have you ever wondered what the best items to flip are?  Well, there are quite a few, but you can also focus your flipping purchases on where you plan to sell.  Craigslist has certain items that sell best, as does OfferUp and the same goes for every sales platform.  Today we are going to focus on the best items to sell on eBay.

Want to make money online? Trying to sell on Ebay? If you want to make money you need to know what sells and what doesn't.

So, if eBay is your sales channel of choice, check out this list and good luck on your eBay selling journey:

  • Big name electronics.  If you have anything that says Samsung or Apple, you might think about putting it up for sale on eBay.  These almost always sell quickly for a good profit.
  • Legos.  Flipping Legos can bring in big money.  The fact is adults love them because they played with them as kids and kids now love to play with them.  That is a huge customer base.
  • Name brand shoes.  If you have some Birkenstocks, Doc Martins, Clarks, etc. (this list could take forever) and they are in good shape, try selling them on eBay. People want these shoes, but they also want to save money.  eBay is a win for both of you!
  • Linens (curtains/bedsheets, etc).  High quality curtains and other linens are a great item to sell on eBay.  These items, on average, sell every 15 seconds.
  • Bicycles.  Bikes are great item to sell on eBay, but they are not efficient when it comes to shipping costs and requirements.  If you are going to put a bike up for sale on eBay, don’t forget to factor those into the price you ask.
  • Brand name clothing.  If you have some high dollar jeans or other clothing that you are ready to sell, definitely put these on eBay.  People go looking at eBay for exactly this reason.  To buy big name items that they don’t want to pay full price for.  That being said, if you have gotten them at a great deal, you have a good chance of making big money.
  • Watches.  Certain name brand watches are better than others. Fossil for example is a big seller on eBay, but you can even make decent money selling some classic Seiko or Casio watches too!

Have you had any luck selling items on eBay?  We would love to hear all about your experiences and if you have had any luck with specific items.

 

 

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Why Should New Homeowners Consider a Mortgage Loan

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Buying a new home will likely be the biggest investment in your life. It’s because of this that you’ll have a lot to consider when buying your first home. You may have a grand dream in mind, or simply want a fixer-upper to make your own. However you picture your future home, you will often need to visit your bank in order to fund such a large purchase. While the process is certainly daunting, it is important to understand what a mortgage loan is and what you need before you can obtain it.

What is a Mortgage Loan?

A mortgage loan is a loan secured on real estate or other property. A new homebuyer will receive the funds necessary to purchase the property, and in return have to promise to pay back a certain amount within a certain time period. Your monthly mortgage payment will include the following: the principal amount, internet, insurance, and taxes.

The interest on a mortgage loan is the cost of borrowing the principal amount for the previous month. Of course, taxes will depend on where you live, which could be lower or higher than expected. As long as you do not default, this insurance will fall away partly through paying off your home.

Your Credit Matters

First understand what you are getting into because the process can be stressful. Before you approach your bank with the idea of a home loan, make sure that you have a copy of your credit report. Review it first so that you know where you stand. Outstanding credit issues can drastically hurt your chances of obtaining a mortgage loan, so a review is well worth the time.

If you know that you have less than desirable credit, work on cleaning this up before you approach a lender. Pay down credit cards, settle any disputes, and avoid any new purchases beforehand. Keep your balances at less than a third of your total credit limit.

Which Financial Information Is Necessary?

When you do decide which bank to go to, you will need to gather more than just your credit report. You may be asked to gather bank information, a few months’ worth of investment statements, W-2s and paystubs up to two years, tax returns, proof of self-employment if necessary, current debt, divorce papers, and others. An appointment to discuss the funds necessary and what you need to procure these funds is helpful.

Types of Mortgage Loans

If you are approved for a mortgage loan, you will want to understand which type is best for you. Can you commit to 15 or 30 years, should it be at a fixed-rate or adjustable? Potential home buyers often look into current rates and projections because a fixed-rate does not change if the economy does. While an adjustable rate mortgage often starts out as lower than on a fixed-rate, it is eligible for change throughout the time on your mortgage loan.

A Safe Investment

Remember, your bank will review every aspect of your applications for home mortgage loans carefully. However, the most important piece of the puzzle is going to rest on your ability to pay your mortgage each month. Before you even apply, make sure that you are able to financially commit to your new home.

Unfortunately, there is a lot that goes into the process of buying a home. However, it does have to be a grievous process. If you are turned away for a mortgage loan, you are – by law – allowed to know why. Whether the lender gives you the funds, you can use this as a stepping stone to securing your financial future.

 

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