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Never use a credit card for cash advances. The interest rate on a cash advance can be almost double the interest rate on a purchase. The interest on cash advances is also calculated from the moment you withdrawal the cash, so you will still be charged some interest even if you pay off your credit card in full at the end of the month.

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Coffee is something that you should try to minimize in the morning as much as possible. Purchasing coffee at one of the most popular stores can set you back 5-10 dollars per day, depending on your purchasing frequency. Instead, drink a glass of water or munch on fruit to give you the energy you require.

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

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If you are searching for a mortgage or auto loan, do your shopping relatively quickly. Unlike with other types of credit (e.g. credit cards), a number of inquiries within a short period of time for the purpose of securing a mortgage or auto loan won`t hurt your score very much.

Maintain at least two different bank accounts to help structure your finances. One account should be dedicated to your income and fixed and variable expenses. The other account should be used only for monthly savings, which should be spent only for emergencies or planned expenses.

When it comes to finances one of the most intelligent things to do is avoid credit card debt. Only spend the money if you actually have it. The typical ten percent interest rates on a credit card can cause charges to add up very quickly. If you find yourself already in debt, it is prudent to pay early and often overpay.

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So as you can see, personal finance is not as complicated as it may appear. It is involved in terms of research and asking questions, but it is worth it in the end. With the above tips in mind, you should be smarter when it comes to improving your own financial situation.

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

Managing your personal finances can be frustrating and stressful, no matter what your income or resources may be. Learning how to manage your finances properly can help to ease some of this stress. You are about to be given advice that you can use to make your life a more enjoyable one.

While it is important to ask around about what you should invest in, it is necessary that you follow your own intuition in the end. Ultimately, it is your money that you are investing. Therefore, you have to make sure that you believe in every investment that you make.

Eating out is a huge pit of money loss. It is way too easy to get into the habit of eating out all the time, but it is doing a number on your pocket book. Test it out by making all of your meals at home for a month, and see how much extra money you have left over.

If you absolutely need a credit card, search for one that offers you rewards to gain an added personal finance benefit. Most cards offer rewards in various forms. The ones that can help you best are the ones that offer little to no fees. Simply pay your balance off in full each month and get the bonus.

Coffee is something that you should try to minimize in the morning as much as possible. Purchasing coffee at one of the most popular stores can set you back 5-10 dollars per day, depending on your purchasing frequency. Instead, drink a glass of water or munch on fruit to give you the energy you require.

As you can see, personal finances is all about your management skills. Choose which tips are adapted to your situation, and look for ways to apply them. Take some time to figure out what to do with your money, and ask help from a professional if you think it is necessary.

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Know your financial goals and limits and keep them in mind. You need to be aware of what it is that you can and cannot do in the market. If you lack this awareness, you may make a detrimental mistake in your finances, which can in turn, directly affect your financial goals.

Concentrate your loans into one simple loan to fortify your personal finance goal. Not only can this make keeping track of where all your money is going, but also it gives you the added bonus of not having to pay interest rates to a variety of places. One simple interest rate beats four to five interest rates at other places.

If you absolutely need a credit card, search for one that offers you rewards to gain an added personal finance benefit. Most cards offer rewards in various forms. The ones that can help you best are the ones that offer little to no fees. Simply pay your balance off in full each month and get the bonus.

Instead of using credit cards that are almost maxed out, spread it between other cards. You will probably have lower interest payments this way. This can help you build your score and not hurt it if you manage your credit lines the right way.

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

Many people think that changing your finances requires extreme effort. This is only true, if you`re not really sure what you`re doing. If you learn the basics of financial management and how to apply them to your situation, you should easily be able to change your finances. Read on for some advice about how to improve your financial situation.

Never use a credit card for cash advances. The interest rate on a cash advance can be almost double the interest rate on a purchase. The interest on cash advances is also calculated from the moment you withdrawal the cash, so you will still be charged some interest even if you pay off your credit card in full at the end of the month.

Whenever you get a windfall such as a bonus or a tax return, designate at least half to paying down debts. You save the amount of interest you would have paid on that amount, which is charged at a much higher rate than any savings account pays. Some of the money will still be left for a small splurge, but the rest will make your financial life better for the future.

Use multiple credit cards instead of maxing one out. The payments on a maxed-out account is more than the combined interest of two cards with smaller balances. This won`t be as damaging to your credit score, which can help you to get your credit built if you`re wisely managing two cards.

Manage your career as if it was an investment. Your job and the skills you develop are the most important asset you have. Always work to learn more, attend conferences on your career field and read books and newspapers in your area of expertise. The more you know, the higher your earning potential will be.

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

Finances can be unpleasant for many people in their lives. Sometimes, it seems as if your money flies out of your wallet to pay for extra expenses. Whether or not you are experiencing this problem, you could still learn tips on how to organize your personal finances better, so you could save money as opposed to mindlessly spending it.

Even in a world of online bank accounts, you should still be balancing your checkbook. It is so easy for things to get lost, or to not really know how much you have spent in any one month. Use your online checking information as a tool to sit down once a month and add up all your debits and credits the old fashioned way. You can catch errors and mistakes that are in your favor, as well as protect yourself from fraudulent charges and identity theft.

Whenever you get a windfall such as a bonus or a tax return, designate at least half to paying down debts. You save the amount of interest you would have paid on that amount, which is charged at a much higher rate than any savings account pays. Some of the money will still be left for a small splurge, but the rest will make your financial life better for the future.

If you absolutely need a credit card, search for one that offers you rewards to gain an added personal finance benefit. Most cards offer rewards in various forms. The ones that can help you best are the ones that offer little to no fees. Simply pay your balance off in full each month and get the bonus.

Instead of using credit cards that are almost maxed out, spread it between other cards. You will probably have lower interest payments this way. This can help you build your score and not hurt it if you manage your credit lines the right way.

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

Planning for retirement can seem a bit complicated with 401Ks, allocations, investments, taxes and other confusing terms and concepts. Saving money, though, is a concept that anyone can understand, and that is the bedrock for retirement planning. The good news is that it is never to late (or too early) to start planning. Read on for some tips on how to start.

When it comes to personal finances, pay yourself first. When you get paid, put at least ten percent of your pre-tax income into savings before you use your pay check to do other things. If you get in the habit of doing this you will never miss that money and you will be building your savings account.

Use a card for small purchases each month such as groceries and gas and pay it off or pay off a majority of the balance each month. This will show creditors that you are capable of handling your card and being responsible with payments. Doing this on a regular basis will help to repair that bad credit score that you currently have.

If you absolutely need a credit card, search for one that offers you rewards to gain an added personal finance benefit. Most cards offer rewards in various forms. The ones that can help you best are the ones that offer little to no fees. Simply pay your balance off in full each month and get the bonus.

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

Managing your personal finances is imperative for any adult, especially those with children or other dependents. Make the most of your income and stop unncecessary spending by creating shopping lists and budgets. Read this article for more tips on how to spend your income in a wise manner.

The stock market is in a dangerous state right now, so don`t take any big investment risks unless you`re willing to lose a lot of money. Any investment might seem like a good idea at first, but there are a lot of factors that affect stock prices and unless you`re an expert, you won`t see them coming.

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Pawn shops report sales boom despite pandemic

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Pawnshops see more gun sales, shortages

Local pawnshop operators say they, too, have seen a shortage of ammunition and firearms since the start of the COVID-19 pandemic, adding that they have also seen more first-time gun buyers than ever before.

Last week, local gun store operators told The Sentinel-Record that the pandemic had slowed firearm and ammunition production, coupled with riots across the nation that spiked demand, leading to shortages. They said ammunition production had slowed due to a lack of raw materials, specifically lead and copper, because of mine closures.

https://www.hotsr.com/news/2020/jul/27/pawnshops-see-more-gun-sales-shortages/

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

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When buying a car, choose a used car. The first 10,000 miles on a car are the most expensive. Let someone else drive the car off the lot and then you can take advantage of the price drop when you go to buy the car. The car`s value will not have gone down much, but the price will when buying used.

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Illinois pawn shops report sales boom despite pandemic

In this Thursday, June. 18, 2020, photo, West Quincy Pawn Shop owner Lionel Hammond poses for a photo in the gun section of the store which Hammond pointed out has a noticeably low stock in West Quincy, Mo. At West Quincy Pawn Shop, Hammond said sales have been off the charts and that he can`t keep merchandise on the shelves as buyers are using their governmental stimulus money to buy firearms, jewelry, televisions and other electronics. (Jake Shane/Quincy Herald-Whig via AP)

QUINCY, Ill. — Providers of fast money, pawn shops throughout the region have taken on an enhanced profile in an economy turned upside down by the coronavirus.

https://jg-tc.com/news/state-and-regional/illinois-pawn-shops-report-sales-boom-despite-pandemic/article_c7c2a85a-5353-5256-b42e-01bce7489fbf.html

Planning for retirement can seem a bit complicated with 401Ks, allocations, investments, taxes and other confusing terms and concepts. Saving money, though, is a concept that anyone can understand, and that is the bedrock for retirement planning. The good news is that it is never to late (or too early) to start planning. Read on for some tips on how to start.

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