Financial Planning Sitemap - Page 1 2016-09-26

What You Need to Know About REITs
Here's why you might want to research adding real estate to your investment portfolio. Let's talk about REITs.

When Should You Stop Contributing to Your 401k?
Let's talk about when you should stop contributing to your 401(k) and take a look at why you're participating in a 401k plan.

6 Steps You Should Take to Prepare for Retirement
Create a system of legal measures and trusted people to ensure your health and money are protected, especially when you can't manage your own affairs.

4 Reasons People Take 401k Loans and Why You Shouldn't
What's your largest asset after your house? Many of us will say it's our retirement account. So, why do we borrow from our 401k?

Ways To Prepare Now For Rising Interest Rates
When you hear of the possibility of rate hikes by the Federal Reserve, is there anything you should do to prepare? Here are 6 things to consider.

Tips for Saving Money on Heating Costs in the Winter
Here we are, noticing our summer tans fading, dark roots growing out from our scalps, and waiting for the first winter snow fall amidst the freezing rain and blowing wind. Winter is rearing its ugly head and so are heating costs. The television and web are full of great ideas on how to save money on energy costs, but more often than not it takes money to save money. For many, spending money on major home improvement projects to make a home more energy efficient just isn’t in the cards this year.

How Teens Can Make Money - Youth Jobs
Some teens want to work right out of the gate, but in many cases you’ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.

Top 5 Biggest Mistakes to Avoid When Buying a Car
For many, a car is a necessity. But finding the right car with an affordable price tag can be challenging. Learn how to avoid these top car-buying mistakes.

Guilt-free Budgeting: Setting Up a Budget With No Blame, No Shame
How to Achieve Guilt-free Budgeting and Take Control of Your Finances

Guilt-free Budgeting: No Blame, No Shame
Use these steps on how to achieve guilt-free budgeting and take control of your finances, including recording your expenses, and setting financial goals. Page 2.

7 Cognitive Biases That May Be Influencing Your Financial Decisions
Cognitive biases can degrade all types of decisions, including those related to money and investing. Here are some of the many cognitive biases that might be undermining your critical thinking.

Top Ten Financial Tips: Keys to Financial Success
Top Ten Financial Tips: Keys to Financial Success

How to Save Money On All of Your Car Expenses
Owning a car is likely one of your largest personal expenses, but you can still save money on all of your car expenses, starting with the purchase.

How to Save Money On All of Your Car Expenses
Owning a car is likely one of your largest personal expenses, but you can still save money on all of your car expenses, including your auto insurance. Page 3.

How to Save Money On All of Your Car Expenses
Owning a car is likely one of your largest personal expenses, but you can still save money on all of your car expenses, including car maintenance and gas. Page 2.

8 Investing Styles: Which One Is Right For You?
There is not a

6 Money Hacks to Change Your Money Relationship
Do you want to make, spend and save money wisely? Check out these six money hacks that will easily help you take control your finances.

How to Avoid the 9 Money Mistakes Singles Make
As a single person, you have only yourself to depend on for your financial future. Here are the nine money mistakes singles face that you should avoid.

7 Pieces of Financial Advice for Starting Your Own Business
Being a new business owner comes with its share of hard work. Be sure to build a good foundation for success with this financial advice for business owners.

Top 3 Personal Finance Concerns for Unmarried Couples
Unmarried couples who live together face unique money issues. Learn about the three most critical personal finance issues facing unmarried couples.

4 Websites That Will Help You Get the Best Deal on Your Next Car
Buying a car will never be as simple as ordering a book off of Amazon, shopping around and doing your due diligence is easier than it ever has been.

How to Pay for Your Child's College Education
If financing your child's college education is one of your financial goals, here are 5 simple steps to getting started today.

What You Need To Know About College Financial Aid
If you believe a college education is out of your reach financially, think again. Learn about the types of college financial aid you might be eligible for.

The Biggest Personal Finance Problem
William Shakespeare made some surprisingly sound personal finance advice, but today it doesn't completely cover the biggest personal finance problem.

The Psychology of Spending Money - Advice on Debt
The Real Culprit Behind Your Urge to Splurge

How Retirement Plan Assets are Divided in a Divorce
Retirement savings are one of the largest and most valuable assets most people own. Learn what your rights are to retirement assets in a divorce.

How to Deal with the Financial Impacts of Divorce
Arguably the most devastating cost of divorce is its effect on the family, but divorce can also very costly financially. Learn how to protect yourself.

A Guide to the Most Common Financial Issues of Divorce
In a divorce, you will be forced to make and accept decisions that have an impact on your financial security. Don't go into them uneducated and alone.

How to Deal with Joint Finances After Death and Divorce
In the midst of dealing with a death or divorce, there are important financial matters that must be addressed to ensure your financial security.

Couples and Money: How to Talk the Talk
Couples and Money: How to Talk the Talk

How to Protect Yourself from Identity Theft
As hard as you work, the last thing you want is to lose money or your financial reputation to fraud. Here's how to protect yourself from identity theft.

How FSAs Maximize Your Employment Benefits
Maximize Your Employment Benefits: Flexible Spending Accounts

How to Choose a Health Insurance Plan That's Right for You
When it comes to health insurance, there are important choices to make that will affect not only the quality of your medical coverage but also your wallet.

How to Teach Your Kids to be Financially Successful Adults
How do kids learn about money? The answer should be

Be Prepared for Losing Your Job with These Steps
Nobody is immune to sudden job loss, and while living in fear is not the answer, being prepared is. Here are the 4 steps to take now to be prepared.

Your Car May Prevent You From Qualifying for a Mortgage
Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.

Your Car Payment May Prevent You From Qualifying for a Mortgage
Your Car Payment May Prevent You From Qualifying for a Mortgage. Page 2.

A Personal Finance Expert's Review of "The Family CFO"
Money is one of the top causes of argument among married couples, yet surprisingly few of the many personal finance books address the issue head on.

The First Step to Wealth and Financial Success
Personal financial planning is an ongoing process, and most personal finance experts agree that the first step to success is to make a budget.

The Top Features All Successful Budgets Have
To avoid having your personal budget go bust, here are the top most important features that every successful budget has.

Questions You Should Ask Yourself Before Buying a Car
To find the best deal for you, here are the top six questions you should ask yourself (and steps you should take) before you buy a new car.

Buy a House and Get a Mortgage with Student Loan Debt
It's possible to qualify for a mortgage even if you have student loan debt. Use these strategies to maximize your chances of buying a home.

Why You Need an Estate Plan
You don't have to be wealthy to benefit from estate planning. Learn about the basics of estate planning and what documents everyone should have.

How to Avoid Becoming a Victim of the Hurricane Car Scam
If you're in the market for a used car, beware of deals that look too good to be true. Here's how to avoid falling for a hurricane car scam.

Don't Fall Victim to These Popular Scams
Each year 25 million Americans, or roughly one in every ten, are victims of scams totaling billions of dollars. Don't become a victim.

Avoid Becoming a Jailhouse Jingles Phone Scam Victim
As technology changes, so do the ways scammers work. Here's how to avoid getting​ duped by what is now known as the

Don't Be Phish Bait: How to Avoid Phishing Scams
People continue to fall for the many variations of this high-tech scam and suffer the consequences. Learn how to avoid falling victim to phishing scams.

How To Lower Your Homeowners Insurance Premium
As the cost of homeowners insurance rises, you can find ways to keep this cost minimized. Here are ways to lower your homeowners insurance premium.

Why Some Investments Lose Money and Other Don't
Why do some investments lose money and others make money? Learn when investor behavior is to blame and when it just might be the investment itself.

Understanding Mutual Fund Fees
Mutual funds are one of the most highly utilized investment options, but to make the best choice, you must understand their loads and expense ratios.

Joint or Separate Checking Accounts?
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work

The 9 Things You Should Have On Your Financial To Do List
Don't let your personal finances fall to the wayside.To help keep your personal finances on track, we've compiled your annual financial to-do list.

An Introduction to the Basics of Mutual Funds
Mutual funds are one of the most highly utilized investment options. Learn the basics of mutual funds with this beginner's introduction.

Top Ten Money Tips for Women
Top Ten Money Tips for Women. Financial Planning.

Money Secret #1: Happy Retirees Determine What They Want
The number one money secret to retiring happy is to determine what you want. This may include vacations, more time with family, and core pursuits.

What You Need to Know Before Buying an Engagement Ring
When deciding to get engaged, you’ll have a lot to think about, but putting yourself into debt by buying an engagement ring shouldn’t be one of them.

7 Ways to Increase Your Net Worth
If you've calculated your net worth and it's less than what you'd hoped, don't be alarmed! You can take steps to increase that number, starting now.

Control Your Spending with the 30-Day Cash Challenge
If you are struggling to stay within your budget, it might be a good time to try the 30-day cash challenge to get your spending under control.

6 Smart Money Moves for New College Graduates
Many of the first post-grad decisions you make will be financial ones. So here is some of the very best financial advice for new college graduates.

How to Watch Out for Hidden Credit Card Fees
Credit card promotions can be quite tempting, but unless you read the fine print, you could be hit by hidden fees or unexpected rate increases.

Steps To Eliminate Credit Card Debt
Many Americans are drowning in credit card debt. Don't be one of them! Put this plan of action in place today and you too will be able to pay your debt.

Marriage and Money - Planning Your New Financial Life
Marriage introduces changes in a new couple’s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship. Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.

Comparing Different Types of Life Insurance
Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms. Make the best choice.

Health Insurance: PPOs, HMOs and Fee-for-Service
Choosing between PPOs, HMOs and fee-for-service (FFS) health plans can be confusing. Here's a guide to what each type of plan offers.

3 Types of Insurance Policies That You Don't Need
There are insurance policies that everyone should have, but there are just as many that most people are probably better off without.

Using Your Employer’s Open Enrollment Period
The open enrollment period is important because it is one of the few times you can make changes to many of your employer provided benefits.

3 Things You Need To Building a Financial Safety Net
Build a financial safety net with an emergency fund, long-term disability insurance, and life insurance.

Introduction to Financial Planning
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others.

How to Start Investing With a Small Amount of Money
In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different.

Tips for Saving Money When You're Single
Being single presents some unique financial planning challenges. There are a few things you need to keep in mind when managing money just for yourself.

How to Have an Affordable Wedding & Save Money
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.

How Much Money Do I Need To Retire?
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.

How to Be Prepared for Mortgage Closing Costs
Have you accounted for the added expense of mortgage closing costs? Be sure you know what to look for in the Good Faith Estimate or Loan Estimate.

Money Secret #4: Happy Retirees Have Multiple Income Streams
While you may be used to relying on your paycheck as your main source of income, consider additional income streams as you head into retirement.

4 Steps To Take If You Are Forced Into Early Retirement
If you are put into a situation causing you to retire earlier than planned, you will need to make adjustments to your original retirement plan.

Basic Monthly Budget Worksheet Everyone Should Have
Use this personal budget template to will help you to stay on track and always be able to answer the question,

What Is Income Investing?
Learn to generate consistent cash flow from liquid investments through income investing by way of dividends from stocks, bonds, and distributions.

5 Best Practices For a Wealthy, Happy Retirement
If you are ready to follow the path to a wealthy retirement, there are a few steps you need to take a long the way. Create your plan now to be prepared.

A Bargain Shopper's Comprehensive Guide to Seasonal Sales
End-of-season sales can be a bargain shopper's dream. Learn how to take advantage of the season with these bargain shopping strategies.

How to Create an Automatic Savings Plan
Do you find it hard to save money? Creating an automatic savings program can help you get past that hurdle and start making your nest egg grow.

Difference Between APR and APY in Interest Rates
If you're considering investing in a money market account or in a CD, you need to understand how the interest rates APR and APY are calculated.

Where Do Your Social Security and Medicare Taxes Go?
Your pay stub probably shows a deduction for FICA Social Security and Medicare taxes. But where exactly does that money go?

Check Your Tax Refund Status Online and Trace the Check
Learn how to track your IRS tax refund status online, and how to trace your missing refund check if it doesn't arrive when you're expecting it.

What Is The Fed "Lift-Off?"
Are you wondering how the Fed's

What Is The Rule Of 72?
If you're an investor who is wondering how long it will take your investment to double, look no further than the Rule of 72.

The Top Personal Finance and Money Magazines
Money magazines are some of the best financial reading material available, so we've compiled the top 4 money magazines the everyone should read.

Everything You Need to Know About Saving for Retirement
For most of us the quality of our retirement will depend on how much money we saved. While you may have some retirement income in the form of Social Security or a pension, more often than not it isn't enough. That means it's up to you to plan for and put some money aside for retirement. Here's what you need to know to get your retirement on track.

The Complete Money Guide for Couples
All couples, whether unmarried, married, or divorced, need money advice. This money guide contains financial planning resources to cater to all couples.

The True Cost of Credit Cards
A small monthly credit card payment may seem insignificant, but not when you understand the true cost of credit cards and interest.

Should You Co-Sign a Loan? - Some Considerations
Before you co-sign a loan, you need to consider the pros and cons associated with taking on this responsibility. Learn more.

8 Secrets of the "Invisible Rich"
You won't spot the invisible rich easily. In fact, the invisible rich are generally those who are the most understated and conservative with their money.

Identity Theft Insurance and Credit Monitoring Services
If you do decide to buy identity theft or credit monitoring services, be sure you know exactly what you're getting for your money.

General Financial Planning Rules and Guidelines
There are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.

Finding a Financial Planner or Advisor
There are many instances where you have a complicated situation that may need the assistance of a finance professional.

10 Secrets of Millionaires That Might Surprise You
The secrets to becoming a millionaire may not be mysterious as you think. Small tweaks, goal setting and long-term investing can help you get there.

How to Prepare Your Emergency Fund
When it comes to your finances, use these 3 tips to prepare for the unexpected by setting up an emergency fund.

Why a College Degree Is Still Worth It
College costs are high, but not having a college degree could cost you more. Find out why college degrees are still worth it.

The $1,000-Bucks-A-Month Rule
What is the $1,000-Bucks-A-Month Rule? For every $1,000 per month you want to have at your disposal in retirement, you need to have $240,000 saved.

Does the IRS Owe You Money?
U.S. taxpayers unknowingly forfeit billions of dollars in unclaimed income tax refunds. Are you one of them? Find out here.

5 Easy Ways to Contact the IRS for Tax Help
Do you have questions on your tax return, refund status, or need help from the IRS? Contact the agency via one of these five easy ways.

Deciding Between Itemized and Standard Tax Deductions
So you're doing your federal income taxes. Did you know you might get a bigger refund if you itemize instead of taking the standard deduction?

What If You Can't Pay the Taxes You Owe?
The realization that you cant afford to pay your taxes can make you feel uneasy, but dont worry, there are some actions you can take to remedy the situation.

Reviewing the Withholding Election on Your IRS W-4 Form
It's important to review your W-4, which controls how much tax is withheld from your paycheck. Life changes may call for adjustments to withholding.

How to Claim the Child Tax Credit
Did you know that there is a hefty tax credit available to many households who have a dependent child? The credit is worth up to $1,000 per child.

Income Tax Refund Anticipation Loans
A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return.

6 Money Essentials If You're In Your 20's
It is time to put together a simple 20's plan- one that should take the shape of an uncomplicated, simple, straight forward plan of attack.

Surprising Ways To Stop Living Paycheck-To-Paycheck
Change is necessary to break free from living paycheck-to-paycheck cycle. You can start by taking five easy steps to get you on the right track.

6 Step Checklist To Determine If You're Ready To Buy A Home
Buying a new home is exciting, but be sure to go through this six step checklist to determine if the time is right.

How Much Home Can You Afford? Mortgage Rule of Thumb
House-shopping? Use this simple

How to Save for a Down Payment on a House
To secure the best interest rate and avoid private mortgage insurance, it is wise to have a large down payment, but how can you save up for this purchase?

Private Mortgage Insurance and How to Eliminate It
Private mortgage insurance, often referred to as PMI, is insurance that lenders require certain borrowers to pay for when they obtain a mortgage.

Strategies to Boost Retirement Savings Fast
If you're one of the millions of Americans older than 40 and don't have a retirement nest egg, here are strategies to help save for retirement at 50.

The 6 Retirement Planning Mistakes You Should Avoid
We all make mistakes, but some carry greater consequences. Be sure not to make these harmful mistakes as you plan for your retirement.

What Is a Traditional IRA and Who Should Have One?
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.

Which IRA Is Best for Me? - Traditional vs Roth
Is a Traditional or Roth IRA better for you? Make sure you understand the differences in taxation, income eligibility limits and contributions.

A Bargain Shopper's Comprehensive Guide to Seasonal Sales
End-of-season sales can be a bargain shopper's dream. Learn how to take advantage of the season by buying these items in their bargain sale month. Page 2.

A Bargain Shopper's Comprehensive Guide to Seasonal Sales
End-of-season sales can be a bargain shopper's dream. Learn how to take advantage of the season by knowing what goes on sale each month. Page 3.

Save Money on Air Conditioning Costs
Save Money on Air Conditioning Costs

Financial Planning Is Important But There Is More To Happiness Than Money
Financial planning is important to our psyche, but we all need core pursuits. These are

8 Financial Laws of Happiness
Being happy in retirement is about more than how much money you have in the bank. It's also about giving your money a purpose.

How to Easily Calculate Your Net Worth
Your net worth can be a useful tool in measuring​ your financial progress from year to year. Learn what net worth is and how to calculate it.

Using the Rule of 72 to Estimate Investment Returns
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your initial investment to double.

How To Do An Annual Financial Checkup
How To Do An Annual Financial Checkup

Biography of Personal Finance Expert Dave Ramsey
If you're looking for sound financial advice, you might want to start here with Dave Ramsey, one of America's most famous personal finance experts.

How to Make the Most of Your First Job Paycheck
It is always a critical time to begin managing your money wisely. Here are the first four things every post-grad should do with their paycheck.

Fees You Need To Know About Before Buying a Home
There are some fees that will require up-front payment. Other fees may be rolled into the loan for your home.

What Type of Investor Are You?
Several factors and personal circumstances will play into the way people invest. Pinpoint your investment type to identify the right options for you.

Money In Your 60's: Set The Date
Retirement day is upon you. This is the time to start looking at spending, the mortgage balance, and how you are going to produce income.

3 Ways To Handle Your Finances When You Get Married
Conversations about money can be uncomfortable for new couples, but deciding how you are going to handle your finances together is essential.

Money In Your 40's: It's A Marathon, Not A Sprint
Keep in mind that getting to your financial goals is a marathon, not a sprint. Build on the good practices you put in place in your 20's and 30's.

Money In Your 50's: Time To Play Catch Up
Your 50's should be used to build upon your good plans. If you feel that you're behind the curve, now is also the perfect time to play catch up.

The Robo Advisor Controversy
Schwab and Wealthfront debate over their robo-advisors, but both may be missing the mark. Investors needs a combination of low costs and real advice.

It's Time To Spring Clean Your Finances
Spring financial cleaning can begin with reviewing the goals you set at start of the year. See which areas still need improvement.

4 Ways To Prepare Your Finances For A Wealth Transfer
A major culprit of a failed wealth transfer is lack of financial preparation. Don't procrastinate- make time to get your vital documents in order.

How To Prepare Your Heirs For A Successful Wealth Transfer
Too many wealth transfers fail due to lack of family communication and honesty. Speak openly to your heirs about the money you will leave behind.

7 Things To Put On Your Year-End Financial Checklist
Be sure to put these seven items on your end of the year financial to-do list. Check them off one by one and you'll start the new year off right!

Don't Let The Market's Volatility Send You Into Panic Mode
Don't let market volatility cause you to alter your original investment strategy. A well-balanced portfolio is the best buffer during rocky times.

20 Frequently Used Financial Abbreviations
Are you confused by the sea of financial abbreviations out there? Here's a list of twenty commonly used abbreviations that you'll run into often.

Make Tax Filing Easier with These Record Keeping Tips
Why not make your life easier and ensure that you don't miss any deductions by organizing your record keeping system before tax season? Here's how.

Get Your Tax Questions Answered for Free
Are you looking for help with your taxes? Here's how you can get free tax return help and answers to your tax questions by speaking with a live person!

Are You Ready for a Career Change?
Whatever your reason for seeking a new path, it's a decision that you can't take lightly. Here's how to determine if you're ready for a career change.

The 7 Biggest Financial Planning Mistakes
Many Americans suffer from the pitfalls of making some of the same mistakes when it comes to financial planning. Here are the ones to avoid.

Seven Biggest Money Mistakes: Your Mortgage
Examples of Saving Big Money On Your Mortgage. Page 2.

Yes, You Need a Will. Learn Why
Are you one of the 70% of Americans without a will? Do you need one? Learn why most people should have one, regardless of finances.

Be Prepared for Closing Costs
Closing costs are funds paid at settlement. Although many of the costs are associated with financing, others are independent of the mortgage loan.

How to Deal With a Financial Emergency
The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?

Things to Consider Before Buying a Home
Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons.

Get Out of Debt With a Debt Snowball
The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first.

Ways to Improve Your Credit Score and Save Money
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the terms are.

How to Establish a New Credit History
If you don't have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?

5 Ways to Convert Your 401(k) to Fund Your Retirement
Fewer and fewer companies are still offering pension plans, but don't despair. With the right steps, your 401(k) can become your pension.

How to Calculate the Tax-Equivalent Yield
To compare the real rate of return on a tax-exempt investment to a taxable one, you must first calculate the tax-equivalent yield. Here's how.

A History of Series EE Savings Bonds and Their Alternatives
Do you know how Series EE savings bonds work today? Find out about the changes to interest rates and possible alternatives to Series EE bonds.

Introduction to Investing: What Are Bonds?
Most of us have bonds in our portfolios, but we hear very little about bond markets or how these financial instruments actually work.

Money Mistakes College Students Make
Lack of budgeting, credit card debt, and misusing student loans are just a few of the top money mistakes college students make.

- By Category
An index of categories in the

How New Social Security Changes Can Impact Your Retirement Planning
Be sure that you are aware of and understand the new social security rules- they may have an impact on your retirement planning.

The Secret to Budgeting Successfully
There are many secrets to budgeting successfully, and in all cases a good attitude can make or break your budget.

Can You Afford to Have Kids?
Can you afford to have a baby? Give yourself an adequate financial assessment and think about some of the costs as you plan for your family.

Financial Advice for Your Twenties
These are some of the most important financial tips for people in there twenties once they've started earning income and need investing goals.

Should Students Have Credit Cards? - Debt Management
If you want your child to have good spending habits and resist the temptation that can come with having a credit card, it's up to you to educate them.

How To Become a Millionaire
Becoming a millionaire may not just be a dream. With proper planning and using your money wisely, becoming a millionaire can be attainable.

Difference Between Full-Service and Discount Brokers
Should you use a full-service stockbroker or discount broker? Be sure you know the differences between the two before you open an investment account.

Maximizing Social Security: When To File For Your Benefits
With 2,728 rules that govern Social Security, it's critical to speak with a professional regarding how to maximize your Social Security benefits.

3 Common Retirement Planning Mistakes
When it comes to preparing for retirement, some retirement planning strategies that seem like common sense approaches can lead to costly mistakes.

What To Expect From A Financial Advisor
It can be nerve-wracking to think about sitting down with a financial planner, but understanding the process first will help calm your fears.

How Charitable Giving Can Impact Your Taxes
No matter what types of charitable giving you prefer, it's important to know the tax implications of your choices.

Is It Time For An Economic Shutdown?
There's nothing magical about the economic shutdown, it's simply a dramatic change in your spending and lifestyle to get out of debt and save big.

Should You Take A Lump Sum or Pension?
How to handle your finances if your company downsizes and offers you an early retirement package that forces you chose between a lump sum or pension.

Will The Department Of Labor's New Fiduciary Rule Impact You?
The new Fiduciary Rule has the potential to save investors billions of dollars.

What You Can Do Now To Start Saving For Your Dream Retirement
Bringing in additional sources of income can help you generate enough savings to reach your retirement goals.

Can You Retire At Age 50?
It used to be that retiring early was for people in their early 60's and late 50's. But a lot of people are now wondering how to retire at age 50.

How To Save For A College Education
Saving for a college education takes planning and discipline. Be sure to understand the different savings plans such as the Coverdell ESA and the 529 plan.

4 Best Practices Of Early And Happy Retirees
Retiring early is about more than what you've saved in order to prepare for retirement- it's also about making smart investment choices after you've retired.

Should Couples Have Joint or Separate Bank Accounts?
Newlyweds often merge their money into joint accounts. But 42% of couples today have separate accounts. Consider pros & cons of both before deciding.

Money Secret #2: Happy Retirees Figure Out How Much Money They Need
Happy retirees determine what they want their money for and figure out how much they need to fuel the lifestyle they want to live.

How To Maximize Your Investment Savings
If you haven't started saving, don't wait another day. A penny saved today will be worth more than a penny saved tomorrow.

5 Ways To Maximize Your Savings With Compound Interest
Use these five tips to dramatically improve your income by harnessing the power of compounding your money earned for exponential growth.

What To Consider Before Booking An All-Inclusive Vacation
It's summer and time for vacation. You don't want to break the bank but deserve a great trip. Should you plan an all-inclusive vacation?

How To Pave The Way To An Early Retirement
Put yourself on the road to retiring early by making some important calculations and aligning your resources.

How to Create a Certificate of Deposit (CD) Ladder
By laddering your CDs, you can maximize your potential earnings and determine the frequency at which you'd like them available.

Pros and Cons Of Online Banks
Be sure to understand the pros and cons of online banks before making the decision between automated versus traditional banking.

U.S. Savings Bonds – The Safe Place to Save Money
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.

Where to Keep Your Savings to Accrue Interest
A look at savings accounts, money markets, certificates of deposit, and savings bonds, and help in figuring out which is right for you.

Examine the Roots of Overspending & Learn to Save Money
When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.

6 Money Saving Tips for Summer
If you're trying to save money this summer, it's easy to overlook these six small ways you can reduce your spending pretty painlessly.

How to Budget and Save Money in 5 Easy Steps
These five steps can help you get control of your budget and finances, trim excess spending, maximize your tax refund, and begin to save money.

Money Secret #5: Happy Retirees Are Income Investors
Start generating cash flow from your liquid investments with income investing.

Money Secret #3: The Happiest Retirees Have Their Mortgage Paid Off
Paying off your mortgage is a great way to free yourself from the chains of a big monthly payment.

Financial Success Requires Daily Discipline And Consistency
It takes no one article, book or lesson to make financial success possible. Rather, it’s the totality of advice, council, and discipline over time.

5 Simple Steps To Jumpstart Your Savings
There's a number of alarming stats about the financial situation of people heading into retirement. Jumpstart your savings by following these steps.

How You Can Avoid A Wealth Transfer Failure
Protect your wealth with these two simple steps: create a detailed plan and teach the younger generation how to be fiscally responsible.

How Much Does A Wedding Really Cost?
The average cost of a wedding hovers at about $31,000, more than half of an average U.S. household income. But you don't have to spend a fortune.

Financial Planning for College Students
College is an exciting time, but don't let your finances go astray. Learn early how to budget and save and it will pay you dividends in the future.

How Budgeting Can Improve Your Life
Living without a budget is like traveling cross-country without a map. While both can be accomplished, the result is usually expensive and wasteful.

Managing Money - Basics to Help You Create a Budget
If you don't know how much money you have coming in and where it goes, your road to financial success will be a difficult one.

How to Make a Budget: A 7-Step Guide
Though making a budget may not be the most exciting activity, it is vital to keeping your finances in order. Learn how to make a budget in 7 simple steps.

3 Traits For Budgeting Success
Most people fail not in creating a budget but maintaining one. Three traits you must have: a positive attitude, motivation, realistic expectations.

Survey Says: Even The "Rich" Are Stressed About Money
Money stress tops the list as the number one stress that Americans face. Start putting a plan in action to start relieving stress today.

Top Personal Finance Books for All Ages
Money and personal finance advice is easy to find, but good and practical advice isn't. So here are the top books for personal finance advice.

Top Free Online Financial Planning Calculators
When it comes to finances, sometimes you just need a little help. Here are free online financial planning calculators that can answer your questions.

Budgeting 101 - Everything You Need to Know
Living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances.

Everything You Need to Know About Getting Out of Debt
Credit cards and other forms of debt can be an essential part of your financial toolbox, but you must exercise care when using credit and taking on debt. Find out the difference between good debt and bad debt, and learn how to establish credit and maintain a good credit score.

An Introduction to Saving Money
The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.

Learn Why You Need Insurance
You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.

Financial Planning Basics - Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others.

Apps for Personal Money Management
If you're considering personal finance software you can use to plan budgets, track investments and pay bills, take a close look at these four options.

12 Wealth Building Secrets You Need To Know
The wealth mentality doesn't have to be mysterious. Goal setting and long term financial planning can move you one step closer to a wealthy retirement.

Why You Should Still Calculate Social Security Into Your Retirement Income
While it’s true that Social Security is a financial train wreck, and Washington has so far lacked the courage to fix it, everyone reading this article will almost certainly receive a Social Security check in retirement.

The Secrets to Saving Money
There are a few secrets that can be used to save money, even if it doesn’t feel like you have any money to save.

When Should You Claim Social Security Benefits?
It is important to give the critical decision of when to collect Social Security the attention it deserves.

Understanding The Basics Of Medicare
Medicare is a complex topic, but if you can break it down it will be much simpler. Take some time to acquaint yourself with Parts A, B, C, and D.

Everyday Money And Financial Tips
Where do you look for your financial and money advice? There are a lot of great resources out there, including people you speak to everyday.

How Will The Situation In Greece Will Impact You?
Don't let Greece's situation cause you to panic. Remember that a balanced, well-diversified portfolio is the best way to navigate the headlines.

Stages Of Retirement Planning For Entrepreneurs
Retirement planning is critical in each and every stage of self-employment. Don't wait to start planning and understand what is best for you today.

Get Started in Investing
Do you hear others talking about investments and wonder how they got started? How'd they come up with the money? How'd they know what to invest in?

How to Take Advantage of Lower Mortgage and Interest Rates
What should the lower interest rates mean to you? We discuss mortgage moves you should and shouldn't consider during periods of low interest rates.

What Makes Up Your Credit Score?
Familiarizing yourself with the things that make up your credit score will empower you to continue building a strong credit history and to improve it.

Life Or Debt On Spike TV Depicts How Real Financial Struggles Can Be
Spike's new series, Life or Debt, is helping many Americans take charge of their own finances.

What to Do with Your 401(k) When You Change Jobs
The wrong move could cost you thousands of dollars. So here are the two most important things to know about your 401(k) before you leave your job.

5 Tips For Back To College Budgeting
Your child is off to college! Before he or she leaves, sit down together and create a budget. Consider monthly follow-ups to keep things in check.

8 Types of Charitable Giving
Charitable giving is a valuable way to support causes close to your heart and can have a significant impact on your estate and tax planning.

Why Robo-Advisors Are A Win-Win For The Industry And For You
Robo-advisors have succeeded in creating great technology that makes investing both affordable and easily accessible.

Big Losses May Be Tougher to Recover Than You Realize
It's critical to diversify your portfolio and stay informed on market activity to minimize big losses that are often difficult to recover.

12 Estate Planning Myths And Misconceptions
Despite all of the information available when it comes to estate planning, there are still plenty of myths and misconceptions that should be ignored.

A Beginner's Guide to Mutual Fund Distributions
Mutual fund distributions are earnings from the fund's operation. Unlike an individual company, a mutual fund is required to pass on profits to investors.

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verywell. Financial Planning.

How to Easily Find Money to Pay Down Credit Card Debt
Struggling to come up with the cash to pay the minimum on your credit card bill? You might be surprised where you can find a few extra dollars.

Do You Know The Basics Of The Stock Market?
Understanding how the market operates will provide you with the right foundation to start investing and building your portfolio.

How This Simple Approach To Budgeting Will Help You Monitor Your Money
If you know how you are actually spending your money, you can make informed decisions (and changes) to ensure it is being used efficiently to meet your needs, and advance your long-term goals.

Calculating Your Debt to Income Ratio
Determining your debt to income ratio can help you determine how to maximize your budgeting, savings, and investment strategies for financial success.

Follow These 10 Rules For Personal Success
Tony Robbins is a world-renowned life and business strategist. Although Robbins has authored many self-help books, his core message can be distilled into these 10 guidelines.

Make the Most of Your Income Tax Refund
While it can feel like you’re receiving a windfall, remember that this is just excess money that you paid the government.

Smart Shopping and Planning Saves Money on Groceries
Have you been shocked by your grocery shopping bills recently? Here are some tips that can help you keep your grocery budget under control.

Getting Your Financial House in Order
Having your financial information stored and processed in a systematic manner will go a long way in helping maintain your finances.

Is Refinancing Your Mortgage Really a Good Decision?
Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.

Consumer Credit Counseling Services: Should You Use One?
People worried about overdue bills & debt collectors can seek out these nonprofit agencies for help finding a workable solution to financial problems.

Debt Strategies That Don't Always Work
There are a few common methods people use to help them get out of debt that can end up doing even more harm than good.

Should You Lease or Buy Your Next Car?
Before deciding whether to lease or purchase a vehicle there are a number of important factors to be considered.

Tweak Your Income Tax Withholding
Claim too many withholding exemptions on the Form W-4 you file with your employer and you'll end up paying Uncle Sam when you file your taxes.

Payday Loans: Beware of These Dangerous Loans
Payday loans are easy to get and don’t require any sort of credit check, but are they really a good idea?

How to File for and Collect Child Support
Everyone is responsible for the child they bring into this world. It doesn't matter if was planned, unplanned, or even a child through adoption.

Should Teens Have Credit Cards?
Credit cards should be viewed as a convenience, not an extension of income. The goal is for teens to learn to use credit as a tool, not as a crutch.

Why You Should Follow The Money (And Not Your Passion)
We are often told to follow our dreams but what if our passions don't pay the bills or allow us to put money in savings?

Types of Insurance Policies You Need
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have

When You Can't Pay Your Income Taxes On Time
When you can't pay your income taxes on time, consider researching alternatives that will allow you to delay your payment due.

Should You Take a 401(k) Loan?
There are many things you should consider before tapping into your 401(k) or 403(b) retirement plan for a loan.

How to Make Bi-Weekly Mortgage Payments
If you split your monthly payment up & made bi-weekly payments, you could save yourself tens of thousands of dollars & cut years off of your mortgage.

6 Must-Do Practices To Reach Millionaire Status At A Young(er) Age
Check out these simple but powerful practices you can apply to your day-to-day life that may help increase your wealth enough to reach that seven-figure mark.

How To Start Your Own Business For $100 Or Less
If you don't want another boss or fixed income you could launch a potentially lucrative part-time business for $100. Or less.

7 Key Traits Of People Who Are Debt-Free
People with no debt aren’t special or superhuman. They simply have some attitudes and traits that enabled them to get free of debt, and stay that way.

Bear Market Strategies: Surviving Tough Economic Times
Bear markets present a challenge to even the savviest investors. Use these financial strategies to weather the storm in a bear market.

Your Credit Report: Why It's Important to Know What's On It
Understanding your credit report and knowing what's on it can help you make smart financial decisions to leverage your credit for financing.

9 Business Books You Should Have On The Bookshelf
These books will help you plan for retirement and improve your leadership, entrepreneurial, and marketing skills.

How to Reduce Your Average Monthly Credit Card Payments
Many people carry thousands of dollars in debt on their credit cards. Learn how to reduce your debt and your average monthly credit card payments.

Understanding and Choosing Life Insurance
Before purchasing life insurance, you should learn about the various types of policies offered, and the costs (obvious and hidden) of each.

Should You Buy This New Or Used?
It is possible to be pennywise and pound-foolish with a new versus used decision. Here are some observations to help guide your decision-making, inspired by financial author Dave Ramsey.

How To Retire In Your 30's
Two millennials were able to retire in their mid-30's with $1 million in the bank. Here are 8 lessons to learn from their success.

Warning Signs of Debt Problems (and What to Do)
These 10 warning signs indicate you could have a problem with too much debt. Learn what to do if you're in over your head on loans and credit cards.

10 Colleges With The Best Return On Investment
Payscale.com gives us a look at which colleges rank best for their return on investment.

Is Growth Investing Right For You?
A successful growth strategy is a long-term play. Be sure you choose companies with products or services you believe in and hold onto them long term.

7 Ways To Budget And Invest Like A Wealthy Retiree
When it comes to building wealth, it has less to do with how much you make but how much you keep.

How The Bipartisan Budget Act May Impact Your Retirement
The new rules under the Bipartisan Budget Act will take effect at the end of this month. You may need to take action, so don't delay.

How To Build Extra Wealth In Retirement By Maximizing Fringe Benefits
Maximize your wealth in retirement by utilizing one of these valuable plans that may be offered by your employer.

7 Frequently Asked Questions About The Bipartisan Budget Act
The Bipartisan Budget Act takes effect April 30, 2016. Be sure to understand how it may impact and your retirement.

Why 529 Plans Are A Great Way To Save For College Expenses
529 Plans are a great way for parents to start saving for college right now. Not only are you saving early, but your earnings grow federal tax-free.

Can We Guess Your Age Based On Your Financial Knowledge?
Every decade comes with its own set of financial know-how. This is a great primer for what you need to know decade by decade for financial success.

3 Reasons To Consider Using ETFs Vs. Mutual Funds
Exchange Traded Funds and mutual funds may seem similar on face value, but be sure you know the differences before selecting which one to use.

Can Your 401(k) Make You A Millionaire?
If you haven't started automatically contributing to a retirement plan like a 401(k), today is the day to begin.

Fiduciary vs. Suitability: Why You Need To Know The Difference
If you are looking for an investment advisor, be sure that you look for someone that is bound by the Fiduciary Standard.

Balancing Your Checkbook: Step-by-Step Instructions
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions

Balancing Your Checkbook: Step-by-Step Instructions.
Balancing Your Checkbook: Step-by-Step Instructions. Page 2.

Get Unclaimed Money or Property You're Entitled To
Get Unclaimed Money or Property You're Entitled To

How To Find Out If You Have Unclaimed Money or Property
Find out if you're one of millions of Americans entitled to receive unclaimed money or property. Page 2.

5 Tips For Do-It-Yourself Investing
Do-it-yourself investing requires determining how much money you need, learning the fundamentals, research, and using various tools and resources.

3 Retirement Plans Every Entrepreneur Needs To Know About
Which retirement plan for small business owners are going to select? Be sure to investigate an Individual 401k, a SEP IRA, and a SIMPLE IRA.

What Are The Dogs Of The Dow?
The Dogs of the Dow is a simple investing strategy that identifies the ten highest dividend paying stocks out of the thirty in the Dow Jones Industrial Average.

Top 5 Biggest Mistakes People Make With Investments
It's not uncommon for people to make mistakes with their investments. Here are the top five mistakes that you should do your best to avoid.

4 Types Of Annuities: What You Need To Know
Annuities can be complex products. If you are considering buying an annuity, be sure you know the differences between fixed, variable, and indexed.

8 Tax Filing Strategies For Individuals
Tax season is upon us and it's time to start thinking about your tax filing strategies if you haven't already. These eight tips will help you out!

5 Things To Know About A Market Correction
Market corrections are a lot like circuit breakers and usually occur when the market gets hit with bad news. Keep in mind that a correction is temporary.

Create A Budget For The New Year Using The Taxes, Savings, Life Method
The taxes, savings, life approach to budgeting helps remove the guilt factor. Aim to use 30% of your income on taxes, 20% on savings, and 50% on life.

8 Tax Filing Strategies For Small Business Owners
If you’re a business owner, tax season can bring on a whole new set of tax-related challenges.

6 Things To Remember When Preparing Your Taxes
It's time to start your tax preparation. Be sure that you know the best ways to optimize your filing strategy.

Why Is Your Credit Score Important?
Your credit score and underlying history is one of your most vital parts of your financial life. If you don't know your credit score, check it today.

Are Stocks On Sale?
Posting its worst start to a new year ever, the market has tumbled with a quickness that has left most investors nervous and rattled.

How to Build a Healthy Financial Safety Net
Everyone needs to build a financial safety net to help prevent financial disasters from disrupting your financial security or goals, but too many don't.

Beware Of Pension Advances
While that lump-sum of money may sound attractive, it's critical to understand the risks involved with one of the oldest financial tricks in the book.

Breaking the Minimum Payment Habit on Your Credit Card
Don't fall into the trap of paying only the minimum amount on your credit card each month. Use these tips to start paying more of the balance today.

6 Ways To Grow Your 401(k) For Long-Term Retirement Wealth
Your 401(k) can serve as a major source of income during your retirement years. Be sure to maximize your 401(k) with these six tips.

6 Ways To Get Involved And Get Happy In Your Golden Years
Money is an important factor to increase your chances of a happy retirement, but a proper plan for your money and time are just as critical.

Avoid These Bank Fees to Save Money on Your Bank Accounts
Banking isn't free, but do you realize how much you're losing to bank fees every year? Here are some tips for saving money by avoiding banking fees.

Alternative Credit Scores for People with No Credit
Credit may become more easily available to people with insufficient credit history to obtain a traditional FICO Credit Score. Learn about the options.

Advice on Picking a Consumer Credit Counseling Agency
A credit counseling agency is a financial counseling organization that provides services to consumers struggling with debt. Learn how to choose an agency.

How to Choose the Right IRA: Roth IRAs vs Traditional IRAs
IRAs are an essential piece of retirement planning. When choosing between a Traditional IRA or a Roth IRA you must first know the differences.

A Financial To Do List Guide for Newlyweds
Whether you're 19 or 90, there are a number of financial items that should be on every newlywed's joint

Tips For Sticking To A Thanksgiving Budget
If costs of Thanksgiving are causing you stress, the very first thing to do is to plan your budget. The second thing to do is stick to it!

Financial New Years Resolutions
Try to stick with these ten financial resolutions for the new year. They will be sure to benefit your short-term and long-term fiscal health.

4 Social Security Terms You Need To Know
With new changes coming down the social security pipeline, it's important to understand several key terms.

10 Things To Know About A Health Savings Account (HSA)
If you can afford a high deductible healthcare plan, a Health Savings Account will provide you with the triple crown of tax savings.

3 Things To Know About Earnings Season
Earnings season is an ideal time to check on the health of your investments.

How to Spot A Financially Abusive Relationship Before It's Too Late
Ginger, owner and founder of Girls Just Wanna Have Funds, explores why women need financial advice. She covers many topics including financial abuse.

If You Filed A 6-Month Tax Extension, Your Deadline Is Coming Up Soon
Avoid taxpayer penalties by filing and paying your taxes on time.

Why Your Credit Score Is A Number You Need To Know
A good credit score is essential if you want to borrow money expensively. Be sure to check your credit score annually and make adjustments accordingly.

Is Life Insurance A Good Investment For You And Your Family?
Is life insurance a good investment for you? Be sure to weigh factors such as age, health, and family when making this decision.

Frequently Asked Questions About Your Social Security Benefits
There is a lot dependency on Social Security, yet the system is very confusing for many people.

4 Things To Do Before Your Student Loan Grace Period Ends
Many college graduates that carry student loans have a six month grace period for repayment begins. It's critical to use those six months wisely.

12 Ways To Start Preparing For Next Year's Tax Season Now
Tax planning is time consuming and can be a bit overwhelming. But, if you begin to prepare now, you may feel less pressure later.

When The World Seems Unstable, Zoom In On Your Investments
The world's economies may seem unstable, but don't let panic take over. Think instead about zooming in on solid companies with a proven track record.

6 Ways To Diversify Your Portfolio For Added Protection
You've heard the word diversification countless times- don't ignore this important concept! Diversification is key to mitigate investing risks.

How Much Money Do You Need In Your Emergency Fund?
The first step to a solid financial plan is to put aside adequate cash for your emergency fund. This fund should cover 3-6 months of living expenses.

Homeowners Insurance Can Protect Your Biggest Investment
Homeowners insurance is critical to protect both your home and your assets. Before selecting a plan, understand what is included in your coverage.

What Are The Differences Between The Major Group Health Plans?
Group health plans are a great benefit for many employees. Make the most out of your plan by selecting the one that best suits your needs.

Consumer Protection Laws That Will Protect You And Your Wallet
Consumer protection laws are intended to protect you from a variety of businesses abuses and fraud.

How (and Why) I Dumped All My Debt Before 30
What can living a debt-free lifestyle do for you? It can reduce stress while at the same time help you create wealth, a great combination!

What Is An Irrevocable Life Insurance Trust?
In some situations, an Irrevocable Life Insurance Trust can be a great tool for lessening the tax burdens associated with life insurance policies.

Can You Save Money With Apple TV?
Are you tired paying that high monthly cable bill? Significant savings may be coming your way this fall with Apple TV.

Traditional IRA Or Roth IRA: What's Right For You?
Putting your money into a traditional or Roth IRA is a must. Understand the differences between the two and how to make the most of the tax benefits.

4 Key Elements of Estate Planning
To ensure that your financial goals and wishes are met at the time of your passing, it is crucial to have your estate planning in good order.

How To Pave The Way To A Wealthy Retirement
By modeling the most common habits of wealthy retirees, you can set yourself up for a financially sound and happy retirement.

Warren Buffet And The Economic Pie
Economic growth depends on factors including innovation and more intelligent use of data, as well as the important tailwind of population growth.

Are Women Better Investors Than Men?
It's the age-old financial

What Is Your Rich Ratio?
The Rich Ratio is very easy to understand. It's simply the amount of money that you have in relation to the amount of money that you need.

What Are The Impacts Of Lower Gas Prices?
What do lower prices at the pump mean for consumers and overall U.S. economic growth?

5 Tips To Avoid A Costly Retirement
Americans are in a dismal state when it comes to retirement. Avoid being another statistic by saving early and following these five practical tips.

Should I Use Tax Software Or A CPA To Prepare My Taxes?
Tax software provides a quick, low cost option for filing your taxes, but if your circumstances are more complex, a CPA may be the better choice.

Roth IRA 101
A Roth IRA is a great way to start saving today and will offer a valuable tax break down the line as you are ready to retire.

Cut the Excuses - Know Your Debt Repayment Options
There's no excuse to be delinquent on your student loans. These five steps will help you start paying off your debt today.

What Is The New Wave Of Investment Technology?
Whether you select a traditional advisor, robo-advisor, or digital advisor, technology is working to make investing more convenient and accessible.

10 Tips To Protect Your Online Privacy
As investing technology changes, more of our personal financial information will be stored digitally. Take precautions to protect your online privacy.

8 Things To Look For In A CPA
Even if your time is limited, it's important not to make a hasty CPA hiring decision. Ask for personal contacts and find someone that you can trust.

5 Life Changes That Affect Your Estate Plan
Should there be big changes that happen in your life, be sure to make the appropriate adjustments to your estate plan.

Understanding Your FICO Credit Score
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.