• Should I Pay Off My Mortgage or Invest?

    Some homeowners just do not like having a mortgage and will try to pay it off as quickly as possible. Doing this could be very beneficial for some homeowners, but for some, it could be a mistake. For one thing, pouring money into your mortgage can present you with a liquidity problem. If you lose your job,…

  • Master Credit Card Use: 3 Tips

    1. Pay Mid-Cycle The balances appearing on your credit reports are usually based on the balance at the end of your billing cycle. Go online to make a payment a few days before the end of the billing cycle so the balance that gets reported to the credit bureaus is lower. 2. Avoid Paying Interest…

  • The Best Mortgage Rates

    The Best Mortgage Rates

    Most consumers planning to obtain a home loan are looking around to find the best interest rate possible for their situation. This is an important aspect to financing because a small fluctuation in your mortgage rate can mean tens of thousands of dollars difference over the life of your loan. Here are some important tips…

  • Are You Hurting Your Credit Profile?

    Are You Hurting Your Credit Profile?

    Credit scores have a large impact on our financial success. Having a strong score means you have the opportunity to take advantage of the best available interest rates on mortgages, auto loans, refinancing student loans, even cheaper auto insurance. To get good interest rates, you typically need to have a score above 700, but the…

  • Back To School Shopping? Keep Your Credit In Mind!

    Back To School Shopping? Keep Your Credit In Mind!

    As parents, you are well aware that back to school shopping can seriously impact your financial situation. Overspending on school supplies and clothes could easily result in a damaged credit profile as well. Using credit cards for your back to school shopping can be very helpful, allowing you to purchase the necessities for your children…

  • Your Credit Reports

    Your Credit Reports

    A credit report is a record of your credit history which includes information such as: -Your identity: name, address, date of birth, Social Security Number, and potentially employment information. -Your existing credit: information pertaining to your credit history including revolving (credit cards) and installment accounts (student loans, car loans, mortgages…), how much you owe, and…

  • Negative Items On Your Credit?

    Negative Items On Your Credit?

    Many of your neighbors, friends, and coworkers are unable to take advantage of the best, or even average interest rates on credit cards, auto loans, and mortgages. The best interest rates are only for those with excellent credit. So if you want to take advantage of historically low interest rates before they rise, you need…

  • Using Your Credit Cards Wisely?

    Using Your Credit Cards Wisely?

    The average American adult carries over $5000 in consumer debt. This fact alone could be why credit cards carry a negative image. Carelessly using your credit cards can significantly damage your financial situation in many ways. Reckless use of credit cards can leave you with a mountain of debt that will take years to pay…

  • Save On Your Next Car: 6 Tips

    Save On Your Next Car: 6 Tips

    Purchasing a new vehicle can be a very stressful situation. Make sure you do all of the research that you need in order to feel comfortable making your decision, and you won’t leave with a sense of buyer’s remorse. Here are 6 important tips that will help you save money on your next car. 1.…

  • Lowering Student Debt: 5 Tips

    Lowering Student Debt: 5 Tips

    The burden of student loan debt can prevent you from buying a home, starting your dream career, or even settling down with a family. Here are a few tips to get those student loans paid off faster so you can get started toward your goals sooner. 1. Get a second job before settling down. If…