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Recent regulations have made it harder for credit card companies to prey on people with no credit history (like college students and immigrants)—a good thing. But what if you do want a credit card and to establish a credit history? Forbes suggests applying for a prepaid card, which offers several benefits: no credit history requirements, possible cash-back incentives, and no late fees or worries about exceeding your credit limits (because you're limited to the prepaid amount).
One of the best ways to get your financial affairs in order is to consult with a financial planner—someone who can answer questions about your specific goals and individual situation and guide you towards covering all your bases (from budgeting to saving enough for emergencies to consolidating student loans or planning properly for retirement). At $100 to $400 per hour to see a Certified Financial Planner, however, that's out of range of many people's budgets—or at least what most people are willing to spend. Money management site LearnVest offers an inexpensive alternative: unlimited email access for a year to a CFP for less than what you might pay for just one hour with an in-person visit. Here's how it works.