Did you know that owning a credit card is a key step in your quest for financial success? Choosing a credit card with the best perks and benefits can help you save thousands of dollars a year. Here we’ll teach you how to become the master of your own credit.
Credit
Most of us know that a bad credit score isn’t a good thing to have. It results in higher interest rates or more expensive terms on credit cards and other various types of loans. However, most people are unaware of the other dozens of ways in which a poor credit score can impact them and […]
6 minute read
Credit
You probably know that your credit score is an important aspect of your finances. Your credit score goes beyond just helping you get a loan with a good interest rate. It can also influence your insurance rates and even impact what happens when you sign up for internet or a cell phone plan. Knowing your […]
7 minute read
Credit
Perhaps you’ve heard that you should never pay your mortgage payment with a credit card. We feel it’s important to point out that this advice is absolutely correct in almost every case. It almost never makes sense to pay your mortgage payment with a credit card. Not only are you merely transferring the debt from spot […]
4 minute read
Credit
Although most adults have a credit report (and credit score), few people actually check them regularly. Or at all. Even worse, plenty of Americans have no idea what these things say about their spending habits, accumulated debt, or financial future. Some surveys show that only about one-third of Americans have bothered to check their credit […]
8 minute read
Banking
A start of a new year brings plenty of bonus offers from various financial service companies. The best places to look for bonuses are from banks, cryptocurrency banks, student loan refinancers, and all-in-one companies like SoFi. In particular, 2022 is the best time invest in cryptocurrencies as the likes of Ethereum and Bitcoin are rising […]
6 minute read
Taxes
You 2021 Tax Return is due by April 15. If you suspect you will owe the IRS money, start making a plan for repayment now. Start planning for your 2022 Tax Return now, in order to avoid any last minute surprises. It’s a new year, and Spring is just around the corner. With the warmer […]
9 minute read
Financial Advice
In many parts of America, the cost of living has skyrocketed out of control. The resulting increase in costs for things like rent, groceries, utilities, healthcare, and transportation has seen thousands of Americans pack up and move to greener (or at least cheaper) pastures. There are still plenty of cities in the good ol’ U.S. […]
9 minute read
Money
The ultra-rich have lifestyles most of us can’t imagine. From buying smaller yachts for their superyachts to funding a private space race, the idea of having that much money is downright alien to the rest of us. Love them or hate them, America clearly has a fascination with billionaires. There’s just something so darn interesting […]
7 minute read
Financial Advice
Qualifying military members can set up a Survivor’s Benefit Plan (SBP) upon retirement. The SBP, along with standard Social Security, can be used by a widow to stay financially afloat. Both the deceased veteran and the surviving spouse must meet certain conditions to qualify for a SPB. The payment amount depends on a number of […]
6 minute read
Financial Advice
How much money do you really need to live well in retirement? While $1 million tends to be the conventional number thrown around by financial planners, the reality is that many of the warmest and most beautiful places in the world are also some of the most affordable areas to live. People willing to move […]
6 minute read
Credit
As the balance on your credit cards increases, your anxiety about paying them off may as well. However, you should know that there are plenty of strategies you can implement to get that credit card debt back down to a manageable level. Part of understanding how you should properly attack this debt stems from knowing […]
5 minute read
Credit
Hopefully you already know the basics of improving and maintaining a good credit score. Pay your bills on time, don’t max out your credit, and keep an eye on your credit report for inaccuracies. However, beyond these basic perennial good habits, there are some other, more surprising ways you can improve your score. For example, […]
9 minute read
Credit
Bankruptcy should always be viewed as a last resort. After all, the consequences of declaring bankruptcy are severe. They will impact many aspects of your financial life for years to come. The stress caused by this event can also adversely impact your mental health. Despite those consequences, bankruptcy is an all too common occurrence these […]
6 minute read
Credit
There is a lot of financial misinformation out in the world. You can head online and read plenty of myths surrounding money and how it works. One of the subjects that suffers from the most glaring misunderstanding is your credit score (and your credit report, alongside it). The financial industry and government regulators have made […]
5 minute read