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You can add a new credit card to your stash to increase your credit. For doing this, you should maintain your utilization ratio below 30 percentile. You can calculate this easily by adding all your monthly spendings and the balances in your existing cards and then dividing this figure by the total sum of your limits. So, you can get as many cards a

Real interest rates can indeed be negative. When real interest rates are negative, it means that the inflation rate is larger than the nominal interest rate. Measuring the real interest rate lets investors determine if they are actually making money and growing purchasing power on an investment. If the real interest rate is not larger than inflatio

Bonds are rated according to their risk of default by independent credit rating agencies such as Moody's, Standard & Poor's and Fitch. Those with lower ratings have higher risks associated with them that investors should consider. Due to increased risks, these bonds typically carry higher coupon rates. Issuers, such as consumers with less than

Do not apply for new lines of credit like loans, unless absolutely necessary. Do not make frequent requests for credit or loans. Make all periodic payments on time. Clear all pending due payments. Pay off debts instead of transferring them. If there is an issue of payment, contact creditors or see a credit counselor.

There are two broad categories of annuity: fixed and variable. These categories refer to the manner in which the investment generates returns. However, within these categories are immediate and deferred payment annuities, for a total of four basic annuity types. Like most investments, the ins and outs of annuities can be somewhat overwhelming for t

If you wish to turn your travel experience into a memorable event, it is better to select a travel rewards credit card based on your travel preferences. Suppose you have to take up travel via airline and then look for the best airline miles credit cards. Hilton Honors Aspire Card can help a traveler obtain 150,000 points by spending $4,000. A plati