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In today’s environment, your credit score is an extremely important number for many reasons. Unfortunately many people don’t understand that they may unintentionally be lowering their score. There are many different activities in your life that can negatively impact your credit score and the only real positive impacts are achieved by paying your obligations on time, all the time.
You’re finally retired and free of the commitment of a full-time job, but now what do you do?
June is the national rebuild your life month which makes it a great time to reflect on your financial situation and make changes if necessary. Rebuilding your financial life is an important step to take if you are not where you hoped to be financially. Now is always the best time to start, putting if off only makes it more difficult to accomplish.
Whether you have 12 weeks before your child attends college or 12 years before that big day, there are several ways to fund the cost of college. Don’t be distraught if you don’t have enough saved or if you think you might not be able to save all you need. Paying for college is typical a mix of savings, current earnings, scholarships, student loans and other loans.
With summer approaching many home improvements are in the planning stages or have even been scheduled. Most of us are great at planning the project but often times how we are going to pay for the project is given little thought. How we finance the project though can have very important implications for our overall financial picture. And this planning will be extremely helpful in determining how big of a project we can really afford to tackle.
Whether it’s your first home or your retirement home, there are ways to avoid having costly mistakes when it comes to getting your mortgage. The home buying experience is always much easier if you have developed a relationship with two very important people – your mortgage lender and your realtor. Establishing a relationship with your mortgage lender can help you sidestep many of the problems that home buyers sometimes unexpectedly experience in the process.
Ever wonder how or even what you should be teaching your teenager to help make them more financially prepared? The teenage years can be a difficult time to impart financial wisdom. They have little income and very little if any financial responsibility. If one is not careful, it is very easy to create bad financial habits during these formative years.
Instead of hoping for the future you want, start planning for it! Advance planning can help you meet your goals and give you the assurance that you’re on track. Whether you want the best education money can buy for your kids, a life of travel, or a comfortable retirement, planning will help get you there.