EDUCATION CENTER


 

Credit and Debt
Credit Repair Scams

You want to get out of debt and help build your credit so you can borrow more affordably. The problem is that not every online service may be worth your investment or time ...

Credit and Debt
Debt Terminology

It is critical to understand debt. To do that, you should navigate the numerous terms related to it. Here are some of the most important to know ...

Credit and Debt
Why Your Credit Utilization Ratio Matters

Credit cards have become an essential and ubiquitous tool for purchase transactions and managing finances. While credit cards have several benefits, it's best to use ...

Money Management
Understanding Your Income and Expenses

To create an accurate budget, you must understand your income and expenses. Many people think they know how much they are spending month-to-month on various ...

Money Management
Monthly Credit Card Management

Effectively managing credit card debt can often be difficult, primarily due to the temptation of readily available credit. However, with careful monitoring of your monthly credit card ...

Money Management
Types of Savings Goals

Where do you start when it comes to saving money? Many people recognize the need to put money aside, but they have many ideas on what to save for – how do you know ...

Workplace Finance
Understanding Pension Plans

Pension plans can be a significant source of retirement income for many retirees. Employers often use pension plan benefits to attract and retain quality employees ...

Workplace Finance
Hourly and Salaried Employment

The Fair Labor Standards Act of 1938 standardizes the structure of any given job within the United States. The FLSA declares that all employees, regardless of ...

Workplace Finance
Understanding Payroll Taxes

Payroll taxes are taxes that both employees and employers pay based on employees' wages, tips, commissions, and salaries. The employees' portion is deducted from ...

Homeownership
Getting Rid of Private Mortgage Insurance

When purchasing a standard mortgage from a private lender, you may be required to purchase private mortgage insurance (PMI). However, PMI can be costly, usually charging you ...

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 ...

Paying for College
Employer-Sponsored Repayment Programs

Certain companies and government agencies offer benefit programs as part of their employment to assist employees in paying off their student loans ...

Paying for College
Public Service Loan Forgiveness (PSLF)

Working in government service or for a non-profit organization might qualify you for the public service loan forgiveness program (PSLF). However, to fully qualify ...

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
Diversifying While Investing

Diversification is an investment strategy that combines a wide variety of investments in a portfolio to reduce risks associated with investing ...

Retirement
Investing in Stocks

Investing in stocks can be an exciting and potentially lucrative way to grow wealth. Stocks represent ownership in a company, and their value can rise or fall based on ...

Retirement
What is a Mutual Fund?

When you want to build a diversified portfolio of assets within a single investment, try using a mutual fund. Mutual funds are a form of investment frequently used by long-term ...

Family Finances
Considering a Financial Caregiver

Getting older comes with a lot of unique challenges. One such challenge is a decline in mental abilities. When you've had an aging parent who has experienced a decrease in ...

Family Finances
What is Financial Therapy?

Money is a sensitive and personal topic for most people, and it can evoke strong emotions and often be a source of stress and anxiety. Struggling to pay bills ...

Family Finances
What Is Umbrella Insurance?

Everyone should consider getting liability insurance, regardless of their circumstances. You might think you'll never be responsible for injury or property damage; however, ...

Small Business
Direct Marketing Basics

Direct marketing is still effective. The hype and effectiveness of online contact get the most buzz ...

Small Business
Branding Your Business

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

Small Business
Affordable Marketing Strategies for Startups

Although running a startup business can be exciting, there is much strategic planning involved to get customers without ...