improve your credit score (1)

7 Simple Ways to Improve Your Credit Score

Use These Strategies to Improve Your Credit Score Do you have a poor credit rating and need a loan or credit card? It’s actually a fairly common problem – but one that can be fixed. While repairing a poor credit score can’t necessarily be done overnight, these tips should be enough to get you started […]

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fight credit fraud

Fight Credit Fraud with These Free Services

Identity theft is a massive problem in the United States. Consumers reported over $915 Million is losses to fraud in 2017 and that number is probably higher given the fact that many instances of fraud are not reported. There are many companies out there that provide identity protection and credit protection services for a fee […]

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drowning in debt

Drowning in Debt? Here’s How to Start Climbing Out of Debt

Utilizing credit to cover life’s major expenses or unexpected bills is common among Americans. Taking on debt makes it easier to manage a significant financial burden when the savings just isn’t there. Unfortunately, leaning too heavily on credit can create a mountain of debt that feels impossible to move. If you feel like you’re drowning […]

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kid roth ira

How a Kid Roth IRA Can Make Your Child a Millionaire

Scenario: Your teen has a part-time job during the year and has saved most of their earnings. Is a Roth IRA the best investment option? How much can they contribute each year? Can a parent contribute to a Kid Roth IRA? Benefits of a Kid Roth IRA A Roth IRA allows your child to contribute […]

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debt ratio

Personal Financial Ratios Everyone Should Know

Do you know what your debt to income ratio is? It is probably one of the most important personal financial ratios around and is one factor in determining your credit rating, the interest rates you pay, and directly effects how much discretionary money you have to spend. Personal Savings Ratio Personal Savings Ratio = Monthly […]

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tax law changes

Top 6 Tax Law Changes for 2018

 This is a guest post written by Paige from the Fairy Tax Mother blog. There are numerous changes to the 2018 tax year thanks to the Tax Cuts and Jobs Act. Commonly know as TCJA (pronounced tick-ja by nerdy tax accountants).  There are changes to both individual and corporate tax law that are being implemented in […]

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collect social security

Retirement Age and When to Collect Social Security

This article has been updated for the tax year 2019 Deciding when to retire can have financial consequences for you and your family for many years. Delaying retirement age and taking Social Security Benefits later not only increases your monthly benefit but may also allow you the opportunity to employ powerful benefits management strategies. Some […]

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owning a home

The Hidden Costs of Owning a Home

Owning a Home – Investment or Expense? Owning a home has long been the American Dream.  A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make.  According to a recent report by CoreLogic, negative equity peaked […]

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invest it online

Spare Cash? Invest It Online with these Robo Advisor Alternatives

If you’re a frequent reader here, you probably already know a thing or two about saving money. But have you ever considered investing your money? While your local banks may offer a number of different savings accounts, interest rates are minimal and your money has to stay in these accounts for long periods of time […]

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5 things taxpayers need to be aware of

Capital Gains Tax: 5 Things Taxpayers Need To Know

Tax season is here once again and taxpayers everywhere will be gathering their receipts and other tax documents. To make preparing your tax return easier, the first step should be to organize your receipts. With the doubling of the standard deduction, many individuals will no longer itemize deductions which should make filing a tax return […]

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Top iOS and Android Apps to Stay on Top of the Stock and Options Markets

Nowadays keeping track of the stock market, and more importantly your portfolio, has become easier than ever. Hundreds of different apps and websites are available for you take advantage of. If you are researching an investing plan, trying to stay up to date on the markets or just generally like staying informed, there is an […]

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