Financial Tips, Guides & Insights Blog
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What Does "IRS Accepted My Return" Mean? A Simple Guide to Your Tax Filing Status
Receiving the notification that the IRS has "accepted" your return is a positive and often reassuring step in the tax-filing process. Put simply, "accepted" means your return has successfully passed t...
Closing A Credit Card Can Dinge Your Credit Score: Steps To Minimize The Hit
Despite their potential for use, credit cards can often be stressful. If you cannot control your spending, have a card with high annual fees, or cannot make on-time payments, closing a credit card can...
Credit Card Debt: Understanding APR
Credit cards are crucial financial instruments that help you establish credit and receive rewards while facilitating transactions. Another significant perk of using credit cards is that you will not h...
Ready, Set, Swipe! 5 Ways to Teach Your Kids How To Use Credit Cards Responsibly
Instilling important life skills in our kids is our duty as parents. Even though using credit cards responsibly may not be the first thing that comes to mind when teaching financial literacy, it is un...
Retirement Plans: Traditional 401(k) VS Roth IRA
The key to sound financial planning is to save for your retirement. You have a variety of alternatives, the most well-known being 401k and Roth IRA accounts. Both have advantages and disadvantages, so...
Emergency Loans: What They Are & Can You Get One With Bad Credit
We have all heard the adage, "Life comes at you fast." It is true. Life is full of unexpected twists and turns that may catch even the most prepared among us off guard. Unfortunately, many of life's s...
What To Do If You Have Lost Your Job & Are Not Able To Pay Your Credit Card Bills?
Unemployment brings with it worry, uncertainty, and heightened anxiety. It is easy to get bogged down by all your new concerns about the future. While taking care of your family's needs and hunting fo...
Six Months to Christmas – Strategies to Prevent Holiday Debt
It is June. Most of us would not wish to think of Christmas expenses just yet. But, if you find yourself running a mountain of debt during the holiday season every year, like most American consumers,...
Understanding the Risks of Co-Signing a Loan
One approach to assist a friend or member of the family who would not otherwise be eligible for a loan or a reduced interest rate is to co-sign the loan. For instance, using your good credit to assist...
How to Avoid Late Payments & Overspending When You Have Multiple Credit Cards
One of the most practical financial tools is a credit card. If you use it properly, you will be able to make purchases while raising your credit score and accumulating rewards. However, it is essentia...