Ways to Plan Ahead for Major Medical Expenses

It's not where you prefer to put your money, but it’s smart to save up for the “just-in-case” major medical expense. Luckily, you can prepare for these unanticipated expenses. By choosing a quality health insurance plan, starting a health savings account, and educating yourself on medical expense deductions on your income tax return, you can help plan for most health situations.   Good Health... Continue reading

How Secured Credit Cards Can Help Your Credit

If you are applying for your first credit card or have a short or poor credit history, obtaining one isn't going to be easy. Those looking to get their first card will find they need credit to get credit, and those with poor credit may be refused at certain interest rates. One way of entering the magic circle is to obtain a secured credit card. Here's the scoop on how doing that can help you... Continue reading

Features of a Profitable Investment Property

Whether you are looking to rent out a room or an entire building, a profitable investment property is one that will attract good tenants who are willing to pay for a quality location and a better lifestyle. It begins with finding a great neighborhood and then shopping around for a property that is meant to impress. Continue reading

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