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Credit and Debt

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Credit and Debt

How Many Credit Cards Should You Have?

Figuring out how many credit cards belong in your purse or wallet can give you a headache. As new offers keep popping up ...

Credit and Debt

Cures for a Debt Hangover

Holidays are seldomly easy on the budget. Birthdays too. Same for vacations and shopping sprees. Even if you try to temper your spending, tons of unexpected expenses arise ...

Credit and Debt

Prioritizing Your Loans for Quicker Payback

Prioritizing how you repay your debt is essential since it can impact how efficiently and quickly you become debt-free. It could also affect ...

Money Management

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Money Management

Financial Basics for Service Members

In the military, you can use available resources to help prepare for your future. As far as saving money, you have various tools to help you build and secure your ...

Money Management

What Do You Need in Your Wallet?

We live in a time where people can access a surprising and alarming amount of information about our personal and financial lives with only a few critical details about ...

Money Management

What to do with a Financial Windfall

Sudden financial windfalls come in many forms. Some people have no idea they are in the works or how to deal with them. Putting the money aside until ...

Workplace Finances

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Workplace Finance

2021 Paycheck Planning

Another year is just beginning. While few people were sad to say goodbye to 2020, the new year means new changes to Internal Revenue Service (IRS) and ...

Workplace Finance

First Paycheck? Do These Things First

Your first paycheck can be quite exciting. However, before you open your pay envelope and look at the total, you need to have a plan in place to maximize your income ...

Workplace Finance

The Basics of Working from Home

There are many advantages of working from home. There is no commute back and forth to work, which saves ...

Home Ownership

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Homeownership

Building Equity in Your Home

If you own a home, the mortgage payments you make each month could help you build a substantial asset - home equity. The home equity you build represents how much ...

Homeownership

Down Payment Assistance Programs

For those at the low-to-moderate-income level, the most substantial barrier to homeownership are the closing costs and a down payment associated with ...

Homeownership

Down Payment Strategies for First-Time Home Buyers

The idea of buying a first home is exciting. Coming up with a sizeable down payment, however, can feel like an insurmountable task. That is especially true ...

Paying for College

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Paying for College

COVID-19 and Your Student Loans

The U.S. Department of Education (ED) Federal Student Aid office is actively watching the COVID-19/coronavirus emergency. If you are a student with an ...

Paying for College

Are Online Degrees Worth It?

In the fall of 2018, around 3.26 million students (16.6% of all U.S. higher education students) were enrolled in exclusive online education courses, according to the ...

Paying for College

Refinancing Strategies for Student Loans

Student loans. Without them, college educations would not be possible for large segments of today’s population. Whether attending state colleges and universities or ...

Retirement

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Retirement

2020 & 2021 Maximum 401(k) Contribution Limits

For many Americans, employer-sponsored 401(k) plans comprise the bulk of personal retirement savings. These plans allow investing with pre-tax funds so that ...

Retirement

2020 & 2021 Maximum IRA Contribution Limits

The IRS releases new requirements every year related to IRA (individual retirement account) investments, including maximum contributions investors can ...

Retirement

Gig Worker Retirement Strategies

Over the past several years, there has been a significant rise in gig workers and the number of affiliated companies that utilize them. In fact, in 2017, the Bureau of Labor ...

Family Finances

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Family Finances

Scammers and the Coronavirus

Coronavirus has shown us some of the best and worst in humanity. We have seen medical professionals, truck drivers, and other front line workers step up to the ...

Family Finances

Creating a Power of Attorney

You may have wondered what happens if your aging parent ends up losing their ability to make financial or health decisions. How will you or other family members help them ...

Family Finances

Revisiting Your Budget During a Crisis

Many Americans found themselves in the throes of the COVID-19 crisis before they fully understood what was going on. For many, news of the virus was distant and remote ...

Small Business

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Small Business

Branding Your Business

An effective branding strategy makes your business stand out in a competitive marketplace. Online, it helps ...

Small Business

Social Media Marketing

Leveraging social media marketing can increase your customer base significantly ...

Small Business

Gaining a Competitive Advantage

It takes extensive research and strategic planning to gain a competitive advantage. Every advantage is ...

Cyber Security

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Family Finances

Stop the Robocalls!

Google, Apple, T-Mobile, and the U.S. government are each working hard to end robocalls as well as other types of phone-based spam. While we all wait for these calls ...

Family Finances

What is a Spoofing Attack?

Spoofing is where an unknown person disguises communications as a trusted and known source. It is a form of cyberattack that ...

Cyber Security

Keeping Your Mobile Phone Secure

Your phone contains sensitive information about you, your finances, and your family. It is critical ...