Should a Retiree Ever Take Out a Mortgage?

Mortgages

Should a Retiree Ever Take Out a Mortgage?

Should a Retiree Ever Take Out a Mortgage?

Conventional wisdom says to time your mortgage to be paid off before you enter retirement, so you own your home free and clear. Maybe you’ve done that, but now you’re moving or buying a second home. Does that rule still apply, or with interest rates still so low, should you look at financing? Or perhaps… Read More

The Most Common Budget Breaker

Personal Finance

The Most Common Budget Breaker

The Most Common Budget Breaker

When you think about budget breakers, do you think of things like vacations and big-screen TVs?  While those surely can be expensive purchases, from my experience of working with folks on their finances, I’ve found it’s the relatively smaller category of convenience food that does the most damage to our finances on a regular basis…. Read More

Your Year-End Tax To-Do List

Personal Finance

Your Year-End Tax To-Do List

Your Year-End Tax To-Do List

We still have some time before income taxes need to be filed, but when the clock strikes midnight on Dec. 31, it will be too late to make these tax moves that just might save you some money. 1. Clean Out Your closet Got stuff? Spending your holiday vacation cleaning may not be fun but it… Read More

How to Create a Credit Emergency Kit

Identity Theft

How to Create a Credit Emergency Kit

How to Create a Credit Emergency Kit

Unfortunate events seem to come when we least expect them.  While we can’t control the timing, we can be prepared for when they do come. Just like we inventory our possessions in our homes in case of fire or theft, and have our auto insurance card handy in case of an accident, we can create… Read More

10 Money Tips You Shouldn’t Ignore

Personal Finance

10 Money Tips You Shouldn’t Ignore

10 Money Tips You Shouldn’t Ignore

With all the personal finance advice out there, it can get pretty overwhelming. But there are some fundamental principles that you shouldn’t overlook.  If you adopt these good habits, you’ll be better prepared for financial emergencies, and for retirement down the road. Let’s take a look at them: 1. There are no shortcuts. If someone… Read More

Is Paying Down Your Mortgage Fast a Bad Idea?

Mortgages

Is Paying Down Your Mortgage Fast a Bad Idea?

Is Paying Down Your Mortgage Fast a Bad Idea?

Making extra payments on your mortgage?  Many people do — they’re anxious to get that mortgage paid down as quick as they can.  But especially with interest rates this low, that might not be the best place to put that next dollar. So what are the top five reasons to postpone that mortgage burning party?… Read More

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