Personal Finance

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in Mortgages

Easy Steps to Improve Your Credit Score Before Applying For A Mortgage

Before you apply for a mortgage to buy that dream house you’ve got your eye on, you have to make sure your credit score is up to par. “But, my credit is perfect! I never make late payments, I’ve never had any credit issues and I make plenty of money. I have no need to […] More
in How to Save Money

Little Lies Retailers Tell Consumers To Trick You Into Spending More Money

Stores are dirty liars. We love them, and we seem to be all right with that; but it doesn’t change the fact that they are not entirely honest with the average consumer. Stores want to turn a profit, and that means they’re not usually up to advertising the many ways in which you can save […] More
in Life Insurance, MYD-Insurance

Factors that Might Affect the Cost of Life Insurance in Your Life

Life insurance is a must. If something happens to you, you want your family taken care of. Whether you are the primary source of financial earning for your family or you are a stay-at-home mom who saves the family money by eliminating the need to pay for childcare throughout the day, you need life insurance […] More
in CDs

Why It’s Important to Read the Fine Print Before Opening A CD

When it’s time to choose a place to keep your money, so many Americans are quick to jump on the CD bandwagon. Certificates of Deposit are a great form of savings, but they are not always so easy to understand. Fine print is the worst, and no one likes to read it. I don’t have […] More
in Real Estate

The Least Expensive Ways to Prep Your House For Sale

I have never sold a home in my life. We built our first house during the big boom in 2004. We paid entirely too much for it, we know. However, when we welcomed our twins (babies three and four) into our lives in 2014, we had to buy a bigger home. Since home values still […] More
in Cash Back Credit Cards

Our Favorite Ways to Use the Cash Back Your Credit Card Earns

The best feature of a cash back credit card is the cash back, of course. It doesn’t take a brain surgeon (they are smart, aren’t they) to figure out that receiving cash back for the spending you are doing in the first place is a nice perk to this type of credit card. The best […] More
in Personal Finance

Men Vs. Women: Who Makes The Financial Decisions?

We all know that men and women tend to think differently about most things in life, and financial decisions are no, ummm, different. A recent study by the worldwide research, learning and development organization LIMRA highlights some of those differences. To nobody’s surprise, the study found that men differ from women not only in basic […] More
in Life Insurance, MYD-Insurance

The Benefits of Life Insurance For Those Left Behind

We’ve said it before and we are happy to say it again; life insurance is necessary. It’s a wonderful policy that provides families with a small peace of mind when the worst happens, and it’s something that you cannot deny no matter how you slice it. If something were to happen to someone in your […] More
in Dental Insurance, MYD-Credit Cards

Is Dental Insurance Really Necessary for Kids?

“Why? Your daughter should spend the last 15 minutes of the day with her class here at school than go to the dentist, don’t you think?” asked one of the women in the office when I checked out my oldest daughter from 2nd grade 15-minutes before the final bell rang. I had to get her […] More
in Mortgages

What Happens If I Can’t Make My Mortgage Payment?

It’s an unfortunate occurrence, but it does happen. I was more than a little shocked recently to listen as a friend of mine told me a family member called her to ask to borrow money. She was a little shocked herself to hear the request and proceeded to ask why this person needed to borrow […] More
in Mortgages

Escrow Accounts: Should You Have One Or Not?

It was only a few weeks ago when I was reading some mail while I had my mom over for lunch during the week of her spring break from teaching. My big girls were at school (different county than my mom’s school) and my twins were napping. I commented that I must have missed the […] More
in Online Brokerage

The Simple Reason You Might Want to Reconsider an Online Brokerage

Online brokerages are a huge rage at the moment, and they’ve been steadily increasing their appeal for a while now. While many investors prefer a traditional brick-and-mortar bank, online brokerages are becoming more and more popular each day. One of the biggest reasons that people are looking for an online brokerage with which to work […] More

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