Getting Your Credit Score Over 740
Key Takeaways The three credit reporting agencies set the rules for how your credit score is calculated. A good credit score is over 740, so if you’re below that, you’ll want to work to improve it. There are three main things you can do to improve your credit score. You’ve probably heard of the three […]
5 Money Changes When Buying a Home
Key Takeaways We tend to underestimate the true costs of things that might be new to us. If you’re buying a home, make sure you’re informed on all the costs that come with homeownership. Purchasing a home also affects your credit rating, something you will want to be aware of if you have any additional […]
Responsibility with Credit Cards
Key Takeaways It’s a commonly held myth that having a lot of credit cards hurts your credit score. How you use your credit is what affects your credit score. Make sure you know your utilization rate and that you’re responsible in your spending when it comes to your credit cards.
The Advantages to Getting Pre-approved for an Auto Loan
Key Takeaways Purchasing a car is one of the biggest purchases you’ll make, and you’ll likely do so multiple times throughout your life. You can get your auto loan pre-approved by an independent lender before you walk into a dealership. There are a number of advantages to getting your auto loan pre-approved.
Online Purchase Installments: Good or Bad?
Key Takeaways Many online retailers offer the option to pay for items in installments. Installments may seem like a good idea, especially when there’s 0% interest on a purchase. Be careful not to jump at these offers too often, otherwise your monthly payments may become overwhelming.
Five Rules to Abide By When Dealing With Identity Theft
Key Takeaways Never readily give away your personal information. By putting your personal information on social media, you have a very high probability of having your identity stolen. There are rules you can follow to help protect yourself from identity theft.
Do You Have a Will to Protect Your Family?
Key Takeaways A whopping 78% of millennials do not have a will or advance directives in place. Without these, your loved ones may run into legal issues if you become incapacitated or pass away. Think of a will as a love letter to your family, taking care of them after you’re gone.
The Impact of Millennials’ Spending and Saving
Key Takeaways The millennial generation is the largest part of the workforce in our country right now. As millennials age, the amounts they’re saving and spending are changing. These saving and spending changes are impacting our economy and will continue to do so for several years.
The Importance of Risk Management
Key Takeaways When you’re examining your finances, risk management is an important part of the big picture. We have insurance for a number of things in our lives, but might be overlooking some that could have devastating effects if you need them and don’t have them. Disability, health, and life insurance are key for peace […]
Why Owning vs. Renting a Home Is a Lifestyle Choice
Key takeaways First generation Americans tend to invest almost solely in real estate. Younger generations are sometimes choosing to rent their homes rather than jump into ownership right away. Choosing whether to rent or to own really comes down to a lifestyle choice.