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
Top College Savings Plans

Top College Savings Plans

Date: August 23, 2016 Tax-advantaged college plans get their tax benefits from Section 529 of the Internal Revenue Code and are intended to encourage people to save for future college costs. All states and the District of Columbia offer 529 college-savings plans, and you don't have to pick the one in your state of residence.  All 529 college savings plans are not created equal, however. Some are... Continue reading

Must-Have Tech Skills to Master This Year

Companies are looking for candidates with soft-skill basics like the ability to work well with others, to communicate effectively and to make decisions from all the information at-hand. But technical know-how will give you a competitive edge in the job market and at the workplace. Here are five skills to hone.   Data Security It's not uncommon to hear some news about a data breach in one company... Continue reading
What Makes a 'Good' Entrepreneur?

What Makes a 'Good' Entrepreneur?

An entrepreneur is a businessperson; someone who starts up and operates a business and assumes financial risks in order to do so. You may think of entrepreneurs as innovators in the tech sector, but the woman who opens a lumberyard and the man who starts up a neighborhood Cuban restaurant fit the profile just as well as Steve Jobs. So what does it take to be a good entrepreneur? Here are a few... Continue reading
When Balance Transfers Are a Good Option

When Balance Transfers Are a Good Option

To transfer or not to transfer: that is the question. It can be expensive to carry credit card debt, so when you're offered a new card with zero percent interest on transferred balances, it can look like the perfect solution to your short-term goals. The wisdom of the transfer depends on other terms of the credit card agreement and these are often found in the fine print.   Look Before You Leap... Continue reading

Pros and Cons of Traditional Savings Accounts

In their heyday, traditional savings accounts were as American as apple pie. Typically, savers would wait until they had enough in their accounts to make major purchases. This type of savings account remains among the safest out there, and it still has a place — albeit a less central one — in a modern financial plan.   Pros: Your Money Is Safe Traditional savings accounts were once beloved... Continue reading

Ways to Spot an Investment Scam

Everybody hopes to find a great investment, but nobody wants to be the victim of a scam. Unfortunately, the more glittery the investment offer and the greater the returns that are promised or even guaranteed, the more likely it is that the "great offer" is really a fraudulent scam. Here are a few tips for figuring out when to walk away.   If It's Pie-in-the-Sky, Say Goodbye If an investment... Continue reading

Tips to Avoid ATM Fees

Date: October 28, 2016 You go to an ATM machine to get money, not to spend it, but you could end up paying more than a little change to receive those $20 bills. If an ATM charges you money to get money, your bank also typically charges you a fee to use that ATM. Avoid wasting money when you access your own cash by arming yourself with these great tips.   Get Off Scot-Free: No-Fee ATMs The best... Continue reading

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