Pricey Bills You Can Lower by Just Calling

Date: September 13, 2016 When it comes to paying bills, many consumers simply pay the rates required by service providers and other merchants with an “it is what it is” mentality. Less than half of them even bother to attempt a little negotiating, according to Consumer Reports, but those who do are often successful because it costs businesses much more to get a new customer than to keep an... Continue reading

Best Cities to Live in Retirement

What makes a city attractive for retirement? Everyone has their own list of must-have qualities in a retirement spot – some prefer culture, while others make proximity to family a priority. But individual preferences aside, most retirees seek active communities with natural beauty where the cost of living, taxes and crime rate are all low. Here are a few places to consider putting on your "best"... Continue reading

Top Online Credit Trackers

The computer age has made it easier than ever to monitor your overall credit health. It's also made it easier for thieves to access your information. These two concepts can go hand-in-hand, since protecting your identity also protects your credit score. Here are several tools that can help you keep track of both. Continue reading

What's the Difference Between HSA and FSA?

The financial challenges that go hand in hand with paying for health care are among some of the most significant many families face. Numerous health care options exist, including two consumer-directed plans — health savings accounts and flexible savings accounts. Understanding the difference between the two will help you decide if they’re viable options for you.   Continue reading

Mistakes Millennials Make with Their First Credit Cards

Getting your first credit card offer in the mail is often a thrill. Many new cardholders, particularly younger ones, may throw caution to the wind in the excitement of the moment, and immediately begin running up balances. Millennials — those who are roughly 20 to 35 years old, an age when it's common to get credit cards for the first time — can run into problems if they abuse their new financial... Continue reading

Understanding REPAYE, The New Student Loan Repayment Plan

Prodded by President Obama, the Department of Education created the REPAYE plan in 2015 to ease the burden of student debt. REPAYE stands for Revised Pay As You Earn.  This repayment plan is an updated version of the former Pay As You Earn plan and it sweetens the repayment pot in more ways than one.   An Income-Driven Repayment Plan REPAYE is an income-driven student loan repayment plan in which... Continue reading

Reasons to Apply for FAFSA Early

Completing financial forms can be a hassle, so some people put off filling them out for as long as possible, but that's a bad idea in some cases. When it comes to finishing the Free Application for Federal Student Aid (FAFSA) document for yourself or your student, there are many persuasive reasons to get it done sooner rather than later.   FAFSA Deadlines You must file the FAFSA application if... Continue reading

Loan Modifications 101

According to the U.S. Department of Housing and Urban Development, a loan modification is a permanent change in one or more of the terms of a loan that allows the loan to be reinstated at a lower payment that the borrower can afford. Obtaining a loan modification isn't easy; many people lost houses due to foreclosures in recent history, and only some were able to get assistance through a loan... Continue reading
Tips to Stay Productive at Work

Tips to Stay Productive at Work

Just showing up at your office isn't enough in today's fast-paced work environments. You have to get things done to survive and thrive. Everyone is more productive some days than others, but if you find yourself in a slump, devise a strategy for staying effective and efficient, one that is tailored to your own list of distractions. Here are some tips to get you started. Treat Your Body Well... Continue reading
Biggest Expenses to Consider When Planning a Wedding

Biggest Expenses to Consider When Planning a Wedding

Love may be free, but white lace and wedding promises cost big bucks. You'll be better able to organize wedding plans that work with your finances if you develop a budget well before the happy event.  You aren't likely to forget about the dress or the cake, but some of the other major wedding expenses can slip under the radar. Here are some budgeting tips to keep you on track.   Wedding Location... Continue reading