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For example, if you're a traveler who loves to explore internationally, you can try a credit card that waves the foreign transaction fee — which is normally 2 to 3 percent. I believe a good benchmark is to have two cards from different credit card processors — for example, Visa and American Express — in case vendors do not accept all types.

I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.

If credit cards are used wisely — you pay them off in full each month and never miss a bill — they can also be a tool to help you save.

Depending on the type you have, there are lots of perks you may be able to take advantage of.

If you need help, please contact our office at 1-844-311-9811 or email [email protected]

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The first reaction in your mind is going to be self-protective, accompanied by fear.

When you discover your husband using online dating sites, you will automatically imagine the worst, that he is following through and is probably meeting other women. That is probably not happening, and it is not too late for your marriage, even if it is. Reactions, as you recall from biology, are instinctive responses with one purpose: to save your life.

Financial institutions generally view a long, positive credit history as a sign of trustworthiness and may reward you with lower interest rates as a result.

Before you read more, I want you to ask yourself a question. Now, in our program, which many women have used to recover their marriage, we include an amazing technique to help called the SEW, and anyone who tells you that all you have to do is this, or that, and everything will be fine is asking too much.

Is it too late if he is cheating, or do you want to save your marriage? Our SEW technique is what you need to bring control over your mind so you can do what is necessary, without losing it. Now might be a good time to look at our marriage help program.

Getting him to confess his sins and change his ways is the wrong approach. We get emails all the time through our free question portal from women who confronted their husbands.

Who do you know who would not react in a negative, or destructive way?

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