Best Year-end Tax Savings Strategies
It’s close to the end of the year, with the holidays practically upon us, and before we know it we will be ringing in New Year 2020. The next few weeks go by very quickly as we busy ourselves with gift-giving, parties, and end-of-year functions. However, if one of...
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What are the habits of the most successful investors?
Saving and investing must become a habit and the best way to start is to mimic those people who have been most successful at it. A habit takes time and consistency to take root, so if you’re serious about building wealth, try implementing some of these ideas that...
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Budgeting For a Child
The arrival of a new baby is exciting and will bring about many changes to both your life and lifestyle. There will be both newfound appreciation and adjustments to be made when you welcome a new baby. Of course, there will be expenses which you did not have,...
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Mortgage Down Payments: Is Larger Always Better?
When buying a home the vast majority of Americans will make a down payment to cover a portion of the purchase price. That initial payment plays a crucial role in loan approval and will affect the cost of the loan for its’ duration. For this reason, it is...
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The Worst Type of Debt, Ranked
In the world of finance, a simple, but often overlooked fact is that not all debt is created equal. What does this mean? Simply put, it means that there is debt and there is really bad debt. While it’s not always possible to be 100% debt-free, you should always strive...
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How to Determine if You Have Too Much Debt
In the first quarter of 2019, total consumer debt hit $14 Trillion in the U.S., marking the 18th consecutive quarter for an increase. The primary areas of debt that continue to experience consistent growth are home, auto, student loans, and credit cards. These figures...
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How to Build Your Wealth
Want to be rich? Then you need to learn how to build wealth by making your money work for you. When you become an investor, you seek to acquire things that offer the potential for profitable returns. Whether it be stocks and bonds, retirement accounts, or mutual...
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What is the “Financial Independence and Retiring Early” (FIRE) Movement?
The FIRE Movement is a lifestyle movement that has been gaining popularity, especially amongst Millennials, whose goal is to gain financial independence and retire early. And by early, we mean retiring in your twenties, thirties, and forties, as opposed to the...
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Six Ways You Can Improve Your Credit Right Now
Personal debt - specifically credit card debt - has reached epidemic-like levels in America. Balances are at all-time highs, with Americans carrying $682 billion in credit card debt that is not paid in full each month. This includes both people paying interest and...
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Debt Collections Harassment: Three Strategies to Get it to Stop
It’s 3:26 pm and you’ve just received your third phone call of the day - while at work - from a debt collector. While debt collection harassment has slowly been curtailed over the years, it still occurs and it can often be uncomfortably aggressive. In fact, a study by...
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