Remar's Report

Buying a Car When You Have Bad Credit

You need a new vehicle, but your credit is spotty or bad. Can you afford to buy a reliable car or truck? Can you get a loan at reasonable rates? Can you avoid the high interest rates and pressure of subprime lenders? Yes, most people in this situation can find a decent vehicle and a loan that doesn't break the bank, but you'll have to be realistic and do the right homework. This report shows you the steps.

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It's Time to Check Your Social Security Statement Online

Checking your Social Security Statement annually is something all working adults should do, according to the Social Security Administration. An annual check allows you to check the accuracy of your earnings as recorded for the previous year and to correct any mistakes. Each statement also estimates the monthly Social Security payment you can expect in retirement based upon your current average earnings and planned retirement age. The various estimates can help in your retirement planning. So it makes sense to start checking your annual Social Security statement early in your working career, rather than waiting until you near retirement. If you don't regularly check your Social Security Statement, now is a good time to start!

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Why Do Scams Continue to Work?

Scams have been around for generations. Stealing other people's money has always been their goal. To do that, scams are continually evolving and scammers constantly come up with new ways to "deceive and thieve." Even though each new variety of scam brings results in widely publicized warnings and descriptions, why do people still fall for them? Scammers are master manipulators and know how to use several basic strategies to trigger your emotions and trick you into a quick action. No matter the scam, knowing these basic strategies can help you do a better job of recognizing any scam, whether it arrives by email, text, phone, snail mail or in person.

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Make the Most of Your Financial Resolutions for 2016

What are your financial resolutions for 2016? Most people want to save more, spend less, and pay down debt, according to a recent survey from Fidelity. These are great financial goals, but making them a reality is not so easy. Why? First, the goals are vague–without a plan that has specific action steps, the goals will remain just nice ideas. Second, achieving the goal of saving more requires most people to spend less and reduce debt. So an effective plan must address all three goals in concrete ways. Here are some tips to help you get started.

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Seven Tips for Getting Better Customer Service

Dealing with customer service for products and services is a fact of life. A recent Consumer Reports survey found that 88% of survey participants had dealt with customer service at least once during the year. Most found it a time-consuming and frustrating process.

Needs for customer service range from repair requests for utilities, services, and products to help with troubleshooting new devices, to correction of faulty bills. The holiday season also brings gifts of new toys and products that increase the need for customer service.

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November's Time to Consider Health Plan Re-Enrollments & Savings for 2016

Each year November marks the middle of the time to enroll, re-enroll, or make changes to your health-care plans for the coming year. These plans include health insurance provided by your employer, health insurance you buy individually on the Health Insurance Marketplace (state or national), Medicare, and various tax-advantaged health savings plans. Take time now to consider what you and your family need for 2016. It can help you get the best coverage and benefits while saving money where possible.

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