Personal Finance 101

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  • An 850 Credit Score Begins With These 9 Habits

    Achieving a perfect credit score isn’t hinged on your income or bank account balance nearly as much as your habits. These are the habits to get into if you want to see your credit score top out. Get On A Budget Nothing makes your debt spiral out of control more than not paying attention to […]

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  • How Does Opening a New Credit Card Affect my Credit Score?

    If you’re wondering whether you should open a new credit card but you’re worried about how it might affect your credit, the short answer is that it depends.  Opening a new credit card can help your credit in some cases and hurt it in others but this depends mostly on what you choose to do […]

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  • Social Security Benefits 101

    People mostly associate Social Security with retirement income but are not aware of the other benefits that the Social Security Administration (SSA) pays out for other significant life situations. Here is an overview of all the benefits available through the SSA. Retirement Benefits The monthly amount you get is tied to three numbers: (1) Social […]

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  • The Ten-Fold Path to Improving Your Financial Health

    The United States has become a health-obsessed country. If the doctor tells us to jump, we do not hesitate to ask “How high?” Imagine, though, if you paid as much attention to your financial portfolio as you did to your cholesterol level. What if you took as much care to improve your financial portfolio as […]

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  • Top 5 Tax Traps to Avoid in Retirement

    Most people are shocked to learn that the biggest expense in retirement, that long-sought oasis after a lifetime of hard work, won’t be a mortgage, healthcare, or green fees at the local golf course. It will be taxes! The unfortunate reality is that even the most meticulous, careful, and perfectly timed investments and investment strategies […]

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  • Save Today & Ease the Financial Fears of the Future

    People get hurt. Furnaces conk out in the middle of winter. Cars die and windows break. These are the curveballs of life. We can’t tell you not to worry, but we can recommend being prepared. And even if that preparation isn’t for the worst case scenario, the conscious effort (and act) of saving–for a vacation, […]

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  • 5 Tips: Save for College and Retirement Simultaneously

    Paper or plastic. Cash or credit. PC or Mac. With May graduations upon us, “college or retirement” is becoming a must-have kitchen table conversation for Millennials (and their parents). According to the Federal Reserve, borrowers under 30 years old held $376.3 billion in student loan debt in 2017. That’s an average debt of $22,135 per […]

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  • The Paycheck Checkup: How to Save on Hassle, Headache & Cash

    You don’t want to owe money come tax time, and you don’t want the Government holding onto more money than is necessary. With a multitude of changes to the tax code, resulting from the “Tax Cuts and Jobs Act of 2017” that was signed into law December 22, 2017, millions of Americans will see changes […]

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  • Five Tragic Losses of ‘Someday’ Syndrome

    “Someday, I’d like to be able to enjoy my retirement.” “Someday, I’d like to be able to travel.” “Someday, I’d like to be able to relax.” Are you one of the people who talk about “someday” but you lack a solid plan to get you there? Retirement is going to happen “someday” but your preparations […]

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  • Four Drawbacks to Investing in Mutual Funds

    Mutual funds are a passive investor’s dream. They’re cheap, “diverse,” and (usually) well managed. Compared to a savings account, they seem like a fixed race. And they beat CDs (“certificates of deposit”) by a nose. But like anything that can seem too good to be true, mutual funds come with their own drawbacks. Mutual funds […]

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