How to Get Your Finances in Order Before You Buy a Home

Mortgages

How to Get Your Finances in Order Before You Buy a Home

How to Get Your Finances in Order Before You Buy a Home

To successfully buy a home these days, you’ll need patience, resilience to rejection and sound financial planning. You don’t need to earn gobs of money to successfully purchase a home — well, depending on your area. You do, however, need to have enough income left over after your proposed mortgage payment and other financial obligations…. Read More

5 Little-Known Ways to Get Your Student Loans Forgiven

Students

5 Little-Known Ways to Get Your Student Loans Forgiven

5 Little-Known Ways to Get Your Student Loans Forgiven

If you’re like most people, your student loans probably feel a bit like a ball and chain that you’ve been dragging through your life for years. Every month, you dutifully make a payment knowing that you’ll be making that same payment next month, the month after that, and so on. But what if you didn’t… Read More

When’s the Right Time to Pull My Credit Reports?

Credit 101

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So… Read More

4 Ways to Earn Money Without Lifting a Finger

Personal Finance

4 Ways to Earn Money Without Lifting a Finger

4 Ways to Earn Money Without Lifting a Finger

While your salary may sound good in negotiations, it can be a different story when you get your monthly paychecks and start dividing it up to pay your bills. Wouldn’t it be great to have an additional, continuous stream of money coming into your savings and/or checking account? Having multiple jobs can seem overwhelming, but… Read More

Op/Ed: A Bipartisan Approach to Reducing Government Waste

Personal Finance

Op/Ed: A Bipartisan Approach to Reducing Government Waste

Op/Ed: A Bipartisan Approach to Reducing Government Waste

Far too often, people focus on our differences instead of what brings us together. Despite what we all may hear, common ground does exist among lawmakers from opposing parties. Although one of us is a Democrat and one of us is a Republican, we both feel things can and should get done in Washington. Our constituents… Read More

The Most Underutilized Debt Payoff Tool

Personal Loans

The Most Underutilized Debt Payoff Tool

The Most Underutilized Debt Payoff Tool

Getting out of debt, particularly consumer debt, is the cornerstone of financial freedom. It frees up cash for saving and investing. It enables us to get off the treadmill of living month-to-month. And being debt-free just feels great. A lot has been written on how to get out of debt. It’s not exactly rocket science…. Read More

Can I Deal With a Debt Collector Over Email?

Managing Debt

Can I Deal With a Debt Collector Over Email?

Can I Deal With a Debt Collector Over Email?

Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses… Read More

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