College is a fantastic opportunity to learn and get off on the right foot in a field of one’s choice. However, it’s also a huge investment. Careful financial planning is important if students want to finish their studies with no debt or with manageable debt that they will soon be able …
Every person handles their personal finances a little differently from anyone else. Even married couples find room for disagreement and are often at odds over how much to save or to spend. In addition, a more reserved member of the pair sometimes finds it difficult to prevent their spouse from …
One of the most important benefits of owning a home is that it becomes a sort of piggy bank as you build up equity and pay your mortgage off. When used wisely, the money you pull out of your home via a reverse mortgage can help make your retirement a little …
It is rare that the average consumer sees a real decrease in his monthly operating expenses but the recent – and dramatic! – upswing in the domestic production of shale and other crude oils has engineered just such an event. Gasoline prices are now at ten-year lows and, on an …
Even those folks with only a moderate amount of experience know that life can throw a financial curve ball or two when you least expect it. No one understands this fact better than one, Julie Berry, a self-employed, horse riding instructor – married at the time – who saw her …
650, 750, 850. Numbers that don’t mean much to you until the time comes to buy a home. When that time comes, suddenly these numbers become very significant, and the higher your number, the better the interest rate and loan terms you’re going to receive from your lender. That is why …
Having credit is a great way to obtain more credit. However, this doesn’t mean that “maxing” your cards out and making regular payments will raise your credit score. In fact, carrying a high balance month to month will hurt your credit score even if you are making all of your payments on-time. …
There is nothing quite as frustrating as discovering that information on your credit report has been reported incorrectly. Fortunately, there are new rules in place that make correcting this information easier than ever before. In terms of debt relief solutions, removing negative information is imperative to helping you get your …
Refinancing a high interest mortgage can easily free up hundreds of dollars a month. Over time, the thousands of dollars you can save in interest payments can be used for better purposes, which makes refinancing a worthwhile endeavor to pursue. In fact, refinancing a mortgage is one of the debt …
While the remains of your loved ones estates may be the last thing you are thinking about when a loved one passes, you should be aware of a few things. The fact is that the question of what to do when a loved one passes away with debts is something …