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How to score credit card points and have a high credit score

While applying for credit cards does typically ding your score, it’s not as bad as some people think. In fact, applying for credit cards (to take advantage of large signup bonuses) can actually have a positive effect on your credit score, when done correctly; trust me, I have the numbers to prove it. There’s a balance to be had between …

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What does it mean to retire early?

I recently stumbled across this very interesting graphic that shows, in one image, how long it will take you to retire. It’s so simple. If you want to retire early, you have two basic options: spend less, or earn more. That’s fine enough, but what does it really mean to retire early? When I tell my friends and family that …