Sailing on financial seas is a metaphorical yet, daily routine for us all, whether we’re law-abiding seamen or self-renowned swashbuckling pirates. Typically, law-abiding seamen follow the financial rules, taking loans and advantage of credit opportunities, yet pay them off, on time and in full. Swashbuckling pirates on the other hand are more irresponsible financial sea-goers, using credit to get ahead and not paying off due debt in a timely or complete manner, if ever.

Pirate or Non-Pirate, We’re All Affected

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