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A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
more →
why labor creates wealth

Reasons Why Labor Creates Wealth

Sep 24th, 2020 · 0 Comment
  Many have studied the reasons why labor creates wealth. There are many economic theories–some in vogue, some not–that address... more →
Your Mortgage, COVID, Wildfires, And More

Mortgage Relief, COVID, Wildfires, And More

Sep 16th, 2020 · 0 Comment
Homeowners are being hit hard on all fronts, it seems. Those seeking mortgage relief from COVID-19 economic hardship are joined by those who... more →
paying bills on time

Can Paying Your Bills on Time Increase Credit?

Sep 3rd, 2020 · 0 Comment
  Can paying your bills on time increase credit? The short answer is yes, definitely. But there’s a catch. Before we get to that, it... more →

How Long Can You Go Over Your Oil Change?

Aug 27th, 2020 · 1 Comment
Do you need an oil change and you’re worried about having to delay it? Many things can go wrong with your automobile–brakes wear... more →

How to Know if a Company Is Worth Investing In

Aug 20th, 2020 · 0 Comment
  How to know if a company is worth investing in? It’s not enough to know a company’s worth–smart investing involves researching... more →
Benefits of not having a smartphone

The Benefits of NOT Having a Smartphone

Aug 13th, 2020 · 1 Comment
  What are the benefits of not having a Smartphone? According to a 2015 article posted by the Pew Research Center, as of 2015 some 64%... more →
disadvantages of an annuity

What Are the Disadvantages of Investing in an Annuity?

Aug 6th, 2020 · 0 Comment
  What are the disadvantages of investing in an annuity? First, let’s examine what we mean by “annuity”. Dividend.com describes annuities... more →
US Economy Shrinks

The Shrinking U.S. Economy And You

Jul 30th, 2020 · 0 Comment
  If you are interested in investing, you might be wondering what the July 30, 2020 headlines about the U.S. economy shrinking a whopping... more →
What Are the Benefits of Increasing Your Credit Line

What Are the Benefits of Increasing Your Credit Line?

Jul 23rd, 2020 · 0 Comment
  What are the benefits of increasing your credit line? It might seem to go against some of the current prevailing advice about credit–use... more →
Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small... more →
Credit mistakes

Are You Making These Credit Mistakes?

Jul 2nd, 2020 · 1 Comment
  How many credit mistakes have I made in my life? Plenty. Missed payments, continued missed payments, not monitoring my credit, carrying... more →
Bad Credit Home Loans

How to Buy a House With Bad Credit

Jun 25th, 2020 · 0 Comment
  Do you need to know how to buy a house with bad credit home loans? The first thing you should realize is that credit is a very important... more →
Coronavirus And Identity Theft

Coronavirus And Identity Theft

Jun 17th, 2020 · 0 Comment
  One of my own personal experiences with identity theft started with a telephone call from a moving truck rental agency, wanting to know... more →
how to avoid hidden fees

How to Avoid Hidden Fees

Jun 10th, 2020 · 0 Comment
Do you need to learn how to avoid hidden fees? They are the bane of the consumer’s existence, and many of the fees you need to avoid require... more →
coronavirus relief small business

COVID-19 Relief Resources For Small Business Owners

Jun 4th, 2020 · 0 Comment
Are you a small business owner who was affected by coronavirus lockdown requirements? The Small Business Administration was suddenly thrust... more →
NYSE Reopens

NYSE Reopens: What Are The Rules In Place?

May 28th, 2020 · 0 Comment
On March of 2020, CNBC reported that the global COVID-19 pandemic forced a historic closure of the trading floor of the New York Stock Exchange;... more →
Scams to watch out for COVID 19

Tax Scams And Government Impostor Schemes During COVID-19

May 21st, 2020 · 0 Comment
Have you encountered scams during COVID-19? In any emergency, a certain number of bottom-feeding scammers come out of the woodwork to cheat... more →
Is Monthly SSDI Enough To Make Ends Meet

Is Monthly SSDI Enough To Make Ends Meet?

May 14th, 2020 · 0 Comment
Is monthly SSDI enough to make ends meet? To start, it’s important to know what SSDI is and how it differs from a similar program called SSI. Social... more →
Save Your Mortgage during COVID19

Save Your Mortgage During COVID-19

May 7th, 2020 · 0 Comment
Many homeowners are worried about their mortgages during the COVID-19 pandemic. And while it is true that government-backed mortgage bailout... more →

United States Coronavirus Tax Relief

Apr 30th, 2020 · 0 Comment
Are you in search of coronavirus tax relief? In March of 2020, Congress passed the $2.2 trillion Coronavirus Aid, Relief, and Economic Security... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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