Debt is a weight, but high-interest debt is a trap. When you are paying 24% APR on three different credit cards, you aren’t just paying back what you borrowed; you are funding the bank’s record […]
Interest rates are often called the “price of money.” When this price changes, every financial product in your life—from your morning coffee bought on credit to your 30-year mortgage—starts to shift in value. For most […]
Every time you borrow money, you enter into a contract based on one of two foundations: collateral or trust. This distinction defines your interest rate, your borrowing limit, and what happens if you can’t pay […]
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