In today’s day and age, internet access is no longer a luxury. Instead, most people consider it a necessity.With this in mind, you may find yourself searching for a reputable internet service provider that offers affordable pricing.Unfortunately, this can be difficult to come by. On one end of the spectrum, the most reliable companies always seem to charge an arm and a leg.On the other side, you can save a few dollars per month, however, it’s...
Your credit report has a major influence on your life. The information in your credit report is used for everything from your home purchase to getting a new cell phone to car insurance and even employment. A 2013, FTC report showed that one in five consumers has a credit report error. Sometimes errors are enough to hurt your credit score which leads to higher pricing and even denied applications. A credit report dispute is the best...
Did you know there are approximately two million active real estate licensees in the United States? Or how about the fact that there are more than 85,000 real estate brokerage firms operating in the United States? With statistics like this, it’s easy to see that there is money to be made in the real estate industry. The average real estate agent earns roughly $44,000 per year, with some earning a lot more (well into the seven...
This might be common knowledge to many, but there are people who have asked me what the differences are in debit cards and credit cards. Also if you want to teach your kids, below can be a reference guide to discuss the differences between a debit card and a credit card. Debit cards look and feel similar to credit cards. They are issued by major banks, such as Bank of America and Wells Fargo, and both...
Most people do not want to organize their personal finances, but it is very important to do so. This helps you stay on top of your finances and it helps save you from disaster. It also can help your sense of well-being and provides you the information to make good financial decisions. Below are some tips and tricks to help simplify and organize your personal finances. Put together a budget and review it at least once...
You have probably seen in the news lately, the discussions of proposed tariffs with many countries including China and Europe. While I will not discuss the political aspects of tariffs, I wanted to share a summary of what exactly a tariff is and how they could impact your wallet. A tariff is bascially a tax that the government places on imported goods. The tariff proceeds go to the government and a tariff is used to protect...
Many people, like myself, did not think saving early in my life was important. I figured I would be able to save later in life when my salary increased and would not worry about it. I never realized how wrong I was, and I quickly realized it is critical to start savings as early on as you can. While everyone may not be able to save in your early twenties, I would highly recommend to try...
Building a savings habit is one of the best things you can do for your financial health. Don’t put off saving money because you think you don’t have enough. The key is to look for a savings account with no minimum balance requirement. This way you can open your savings account, even if you’re not ready to put anything in it yet, and deposit money as you can afford to. Look for an Online Bank Online...
As you plan for your road trip, it goes without saying you’ll be searching for ways to save money. Can you pack food so you don’t have to spend excessively at stops along the way? Can you drive straight through to your destination, all so you don’t have to spend money at a hotel? Depending on the length of your trip, there’s a good chance you’ll spend a lot of money on gas. While there is...
Your retirement fund is a place that you can invest money you earn today so you’ll have a nest egg to support yourself when you finally stop working for good. Retirement may be decades away for you and in the meantime, you may be tempted to pull money from your retirement fund for some of your other financial goals. People commonly dip into their retirement to cover a down payment on a first home, for home...
