Tiffany Raiford

Tiffany Raiford is a lifelong Floridian, wife to my high school sweetheart and mother of four littles (two girls and boy/girl twins...no, they are not identical and yes, I'm sure). My kids love to whine, so I love to wine. My loves include nap time, bed time, date night, travel and evenings and weekends when my husband is home because he handles all diaper changes.

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in Online Brokerage

This is the Information You Need Opening An Online Brokerage Account

Online brokerage accounts are as foreign to some of us as another country in which we are not fluent in the language – most everywhere for me. The problem is that when it comes to savings for any purpose, the vast majority of us are in a foreign territory. We know we need to save. […] More
in Life Insurance, MYD-Credit Cards

What Does Life Insurance Really Cover?

I’m sure I’ve mentioned it a time or two, but I really detest speaking of life insurance. It always makes me feel so morose; so sad. I begin to imagine the faces of my children should they ever wake up without me here. I see my husband all alone with all four of them as […] More
in CDs, MYD-Investing

Placing Savings in A CD is Not the Bad Idea You Thought it Was

I did not marry my husband because he is a banker. In fact, if I’d known before I married him how many people would stop and ask him questions about banking, how many people would want to know about interest rates and other things banking related, I might have thought twice. I’m only kidding; though […] More
in Bonds, MYD-Investing

Are Bonds Beneficial Forms of Retirement Savings?

In September, I’ll turn 33. I’m putting some serious thought into retirement. Okay, so I’m putting money away for retirement and dreaming of the days when my kids are big enough to use the potty without any of my assistance required, and the day that they don’t wake me up at 7 am on weekends. […] More
in Personal Finance

Is Joining the YMCA Worth the Money?

Sometimes I do something in life that makes me want to shout from the rooftops advising others to do the same thing. Why? Apparently I like to help people. Who knew? In all honesty, I don’t like to see people struggle. I like to see people happy and content, and nothing makes me happier than […] More
in Dental Insurance, MYD-Credit Cards

How Dental Insurance Could Save Your Life

Dental insurance is controversial; not in that it’s bad or that it’s a problem. It’s controversial because you either have it and love it, or you don’t and love it. Dental insurance is important in our house since we have four kids and there’s two of us. That’s 12 cleanings every year, and that really […] More
in Lifestyle

Small Changes to Make That Can Change Your Life

Being a woman in a man’s world is a difficult task at times. Of course, being anything in this world is a difficult task at times. I’m aware that women still don’t make as much as men most of the time, and that not everyone views women as equals at all times. The fact of […] More
in Mortgages

The Great Down Payment Debate: Money Down or In Your Pocket?

You won’t find me buying a house without a down payment, but it’s a growing trend to do just that. Personally, I’m not a fan of going into anything owing more money that something is worth and/or not having any equity. You can do what makes you most comfortable, but that’s just where I stand. […] More
in How to Save Money

Daily Mistakes We All Make That Cost Us A Fortune Over Time

Sometimes I do things I know are wrong in the interest of saving time, and it ends up costing me money. I am happy to admit that I am not perfect and that I do make mistakes. I am human, after all. That means that you’re all just like me. I’m not alone in my […] More
in High Yield Savings Account

Choosing Between A High-Yield Savings Account or A CD: Which is Right For You?

Being married to a banker has its perks; like never having to go to the bank. I’m not kidding when I say that I have not done any of my own banking in almost 15 years. My husband was a part-time teller in college when we first met. Over the course of the 16 years […] More
in Careers

The Dos and Dont’s of Following Up After A Job Interview

Your professional life has everything to do with your financial life. Imagine my shock when I recently overheard someone mention that they don’t see the correlation between their professional and their personal lives. It seems so simple to me; your professional life has everything to do with your job, and your job has everything to […] More
in Business Credit Cards

Why You Really Should Consider that Business Credit Card

To open a business credit card account or not to open a business credit card account; that is the question many small business owners find themselves asking on a regular basis. Do I or don’t I? Should I or shouldn’t I? It’s a great question, and it’s not a stupid question (my parents always taught […] More

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