Walter Boza
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How to Choose the Right Investment App for Long-Term Investing Success
Choosing the right investment app isn’t about finding the most complex interface—it’s about choosing the platform that fits your investing personality. Your time availability, decision-making style, and long-term goals determine…
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50-Year Mortgages: What They Mean for You
President Donald Trump’s administration has proposed allowing 50-year mortgages as a way to expand access to homeownership in the United States. The idea has sparked debate: for some, it’s an…
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Avoid Holiday Debt: 5 Smart Spending Moves
To avoid holiday debt, cap your total spending to what your cash flow can fund, then split it by category and pay cycle. A $900 cap equals $150 per paycheck…
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Improve Your Credit Score: Habits That Stick
You can improve your credit score by automating on-time payments and dropping credit utilization below 30%, under 10% is ideal. Dispute reporting errors with evidence and pause new hard inquiries.…
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Roth IRA, Explained Simply
A Roth IRA is an after-tax retirement account where money grows tax-free and qualified withdrawals are tax-free in retirement. For 2025, the contribution limit is $7,000 ($8,000 if you’re over…
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Inflation: A Simple Way to Read It, Feel It, and Prepare
US inflation sits near ~3% nationally, but your “personal inflation” depends on your basket, rent, debts, and city. If you spend $600 on groceries and $200 on utilities, a 5%…
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Finhabits Talks: Real Experts. Real Conversations. Insights You Can Use.
At Finhabits, we believe financial education should be clear, practical, and accessible to everyone—because when you turn knowledge into action, you build real habits that last. That’s the idea behind…
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Credit score: 5 high‑impact moves
Credit score improvement comes down to five levers: on‑time payments, low utilization, longer history, limited new accounts, and a healthy mix. Automate minimums to protect payment history (≈35% of your…
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The Artificial Intelligence Wave Keeps Rising — and the Market Is Repricing Around It
Artificial intelligence is no longer a promise or a buzzword — it’s becoming the core infrastructure of the modern economy. This week made that clearer than ever. The world’s most…