Personal Finance
As you approach retirement age, it’s important to think about how you’ll fund your retirement. One popular option for retirement savings is an individual retirement account (IRA). In this blog, we’ll explain why you need an IRA for retirement and the benefits of having one. First, let’s define what an IRA is. An individual retirement […]
A recent Federal Reserve study found that 40% of Americans cannot pay an unexpected expense of just $400. And while six months of spending as an emergency fund is the gold standard, having just $2,500 in the bank can make a huge difference to most people. One problem with personal finance is that most people […]
Your credit score is one of the key factors that will have an impact on your long-term financial position. To get a perfect credit score takes diligence and some key decisions. Credit scores are used by everyone — cell phone service providers, landlords, credit card companies, insurance companies, and mortgage lenders — to determine your […]
Selling your home is an active process. It requires thoughtful planning and steps to make sure you get the best possible offer. Here are five ways to get top dollar when selling your home. Timing is everything If you want your home sale to be as successful as possible, it is important to take into […]
If you are struggling with credit card debt, you are not alone. While being able to earn rewards from a credit card can be very beneficial, if you’re carrying a balance and paying high-interest rates all of those savings will be for nothing. There are plenty of ways for you to pay off credit card […]
You should regularly review your credit report. Why? Because your credit report score has a major impact on your life, from renting a house to getting a credit card, buying insurance, getting a job, and applying for a loan. Unfortunately, many people do not review their credit report. Often, they fear that their financial situation […]
If your spouse has a poor credit score, it is unlikely to affect your own credit score in any way. However, it can certainly make it difficult for you to qualify for a joint credit card, loan, or mortgage. Moreover, your spouse’s credit problems can also lead to potential conflicts and friction at home if […]
Dealing with a late tax bill can be a stressful situation. However, it’s crucial to address it promptly and work towards a resolution with the Internal Revenue Service (IRS). While the IRS has various options available to help taxpayers settle their tax debts, understanding the process and taking proactive steps is essential. In this blog […]
When you borrow money today that you can’t pay back easily, you are essentially robbing your future-self of desperately needed funds. This is not judgment but a sad reality. Too many Americans depend upon the perpetuation of debt as a form of income flow. The average credit score in America is 711, which is considered […]
