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It's possible to buy a house with bad credit, but you may end up with a high mortgage rate. Unlike conforming mortgages, which require a good credit score to qualify, loans that are available to those with lower credit scores typically have higher mortgage rates. You can also use our guide to the best low credit score mortgage lenders to see which lenders accept borrowers with lower scores. Get copies of your credit reportUnderstanding your credit history is key to understanding what's affecting your credit score. Review your credit report again to see what is impacting your credit score, then take steps to improve it.

When I traveled by myself in my 20s, I used to stay in hostels and cheap out on flights to save money. Now that I'm older, I've found better strategies to save on travel without cutting corners at every opportunity, like using a high-yield savings account for my travel fund and taking advantage of my credit card's travel insurance. AdvertisementOpen a high interest savings account to save for travelBack when I started traveling over 14 years ago, savings account aren't what they are now. I decided to open a high-yield savings account a few years ago to take advantage of its high interest rate. Use someone else's hotel reservationI've often used the usual discount booking websites like Booking.com and Hotels.com to save money when booking accommodation.

Persons: I've, —, haven't, Roomer Organizations: Service, Chase Locations: Southeast Asia, Malaysia

I started looking into disability insurance after hearing how a family member struggled for income after getting into an accident. That was the point when I was more serious about taking out a disability insurance policy. Think of disability insurance as a safety net of sorts, one where you can protect your income in case something happens. For freelancers, short-term disability insurance isn't typically available (it's more commonly offered by an employer) and from my own experience, not worth it. Get clear on exactly what your policy coversOne of my friends asked me to look into some important clauses in my disability insurance policy.

I want to set aside money for my child for post-secondary education expenses, but my husband and I didn't want to assume he'll go to college. I'm Canadian, so there could be a chance my son will go to college there, meaning the 529 plan wouldn't get the tax advantages that make it so appealing. For many parents, a 529 plan seems like a logical way to go when saving for their child's education. Instead of opting for a 529 plan, we're doing a combination of a high-interest savings account and a Roth IRA (in my name, not his). But if you and your family decide that a 529 plan makes sense, do your research and good luck!

Persons: wouldn't, Roth, —, doesn't, I'm, That's, what's, — we've, we're Organizations: Service, YOLO, he's, IRA, Roth IRA Locations: China, Canada

To cancel a debit card if it's lost or stolen, you'll need to get in touch with your bank. If your debit card is lost or stolen, you'll want to cancel it ASAP. You might also cancel a debit card if you're switching banks, but in that case you'll be closing your entire account and your debit card along with it. If your debit card is stolen, simply turn your card off, then contact customer service to get a replacement card. Cancel automatic paymentsIf you have recurring payments attached to your debit card, you'll need to cancel these so your subscriptions or memberships stay current.

Persons: it's, you've Organizations: Bank of America, Ally Bank

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