Love is such a strong word. It makes me think of bright red and blue fields of flowers, where you can run around and dream of the ones you love. And I wouldn’t be surprised if this is exactly what bank owners are doing every time you finance a new purchase.

The average American credit card has an APR of 14.67 percent. The average auto loan has an average of 7-9 percent. Now that is something for Mr. Banker to smile about. Unless you have read MLR’s advice on how to avoid credit card costs, then Mr. Banker will be sad.

Would you like to refinance your home? Although many people see refinancing a mortgage as a benefit, there are other things that you should consider as well. Remember that mortgage refinancing is not only about getting a lower monthly payment.

Young people worry about money quite a bit. Trying to make ends meet and maintain some semblance of a social life is no easy balance to strike. Without proper planning and careful budgeting, you could run into a financial disaster that wipes you of your savings and damages your credit score.

Thankfully, there are many proven ways to effectively budget your money and get a grasp on your personal finances so that you can stop thinking about money all the time.

Learning how to incorporate fitness into your corporate lifestyle can be tough, but let’s face it, we aren’t as young as we used to be. Many adults are being tested and treated for high blood pressure and heart disease, and staying active can play a serious role in aging in a healthy and happy way.

Not only does exercise help decrease your risk for heart disease, but it can also help relieve stress, help you manage your weight, improve your mood, and help you sleep.

MLRs Note: This article isn’t about personal finance in the literal sense. However, as you are reading the article, think about how the lessons pertain to personal finance, too (e.g. buddy up, ask questions, etc).

Every now and then I get in a phase where I will mostly listen to one genre of music. Sometimes its progressive rock,sometimes its punk rock, sometimes its electronica indie. Right now it just so happens to be what they call “Backpack Hip Hop.”

Backpack Hip Hop – Mainly consists of local underground rap/hip-hop music artists only. The sub-genre or sub-categoration of the music means nothing, as long as they are a local unsigned (no recording contract) artist.

I don’t regularly listen to gansta rap or anything of that nature, but the backpack genre is really catchy to me. These 4 songs don’t necessarily fit neatly into that category, but musically they share a lot of similarities.