May 24th, 2017

Archives


What’s your credit score?

Do you know if your credit report information is correct and up-to-date? You’ve probably heard that it’s important to review your credit report on an ongoing basis. Did you know that you have the option to receive free credit reports from the three credit reporting agencies each year? Here’s the...


Understanding home equity loans

A home equity loan, sometimes called a second mortgage, allows you to borrow money at a very competitive rate using your home as collateral. Your available equity is based on the appraised value of your home less the amount you currently owe on your first mortgage. There’s an added benefit...


Improving your credit score

If you’ve ever gotten a credit card or applied for a loan, your credit score has come into play.   Credit scores play a major role in determining whether or not someone will be approved for revolving credit, personal loans, mortgages, or any other type of credit.  Credit scores can also...


Reducing debt takes willpower.

Google the phrase “getting out of debt” and you’ll get more than 257 million hits.  That isn’t the least bit surprising given the fact that almost every one of us has had to find ways to change our spending habits over the last several years.   You’ll find tips for reducing...


Reestablishing credit after a divorce

Divorce is a stressful situation emotionally, and often financially.  Being smart about establishing, or re-establishing credit can make a tremendous difference, particularly for anyone who has had only joint credit accounts with a spouse.  Finding out your credit score is the starting point to knowing where you stand and what...


A teen’s first checking account.

Is your teenager getting a first job this summer?  Or maybe he or she just received graduation gifts of money or has an allowance.  One of the best ways to help teens learn to manage their money is by opening a checking account for them.  We all know from our...


Set savings goals with your child.

Almost all of us will push ourselves more if we set goals.  That is definitely true of savings.  No matter what age we are, it is easier to save for something specific than to simply save for “a rainy day.”   Help your child start thinking about savings goals early.  ...


Tips for raising a saver.

This great article from Forbes provides some excellent tips for getting your children off on the right foot with savings – and then keeping them on track all the way through their teens.   Starting as early as age 3 with pennies in a jar and advancing through understanding “not having...


Teaching your child the basics

More often than not, we assume that children know that you must earn money to have money to spend.  We also assume they know what “earn” means.  Start early with the basics.  Explain why you go to work everyday and that this is how you make the money needed to...


Negotiating a great auto loan rate.

Long before considering a visit to a dealership, you need to know what you want to buy. Once you zero in on the model of car, the more flexible you can be on color and options, the more negotiating room you’ll have. Know that there is a big savings between...

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