Finding Hope: 3 Ways to Move Forward Towards Owning Your Own Home

Do you think owning your own home is just a pipe dream? Does it seem like you could never save enough money to compensate for your less-than-desirable credit score? Start thinking of home ownership as something you deserve and can achieve. If you’re ready to ditch your rent and commit to a monthly mortgage, keep reading.Credit RehabIf you’re satisfied with setting a goal that you’ll work toward slower and with purpose, go ahead and take the time to improve your credit score. By Read more [...]

Knowing What to Do: 5 Steps to Tackling Financial Emergencies on the Spot

In an ideal world we would all be prepared for financial emergencies. At least six months of living expenses would be stashed away to serve us in the event of a job loss, sudden illness or urgent home expenses. However, this isn’t always the case. If something comes up that you’re not prepared for, you need to know how to respond. Emergencies are stressful, and they can be even worse if you have no idea what to do. Here are five things you should do when the unthinkable happens.EvaluateWhen Read more [...]

Saving Money on Every Day Purchases

When it comes to our personal finances, were deeply invested (Get it?) in our financial freedom. There are a number of parties interested in draining our wallets and bank accounts, and so it can be hard to find a financial foothold. And, yet, we must. This is necessary in order to secure our future, both in terms of preparedness and getting ahead in life. But, how do we do this? Well, it’s not as hard as it seems. I’m here to show the way. Here are a few tips to help you save.First and foremost, Read more [...]

Tap Water is Better and It Can Taste Great

Source: Media DefenseMost developed countries offer drinkable tap water as they have thorough municipal water systems to treat it. There are specific agencies in charge of regulating water and making sure that it is safe for human consumption by disinfecting and testing it for different pathogens. However, bottled water still seems to be widely chosen over tap water, and this represents a serious environmental issue. It’s also not necessarily a smart option.Why is tap water better? You Read more [...]

Tips For Creating A Financial Plan In 2018

A new year can mean the beginning of a fresh start with your finances. Now could be the perfect time to make some new resolutions with your finances to help impact your investments and your future. If you are not near your financial goal in your portfolio but want to work on bettering it, you need to take some big strides this year to put yourself on the right path. To get you started, below are some top tips to take into consideration to get your path to financial success started this Read more [...]

Should You Cosign for a Student Loan?

As a parent, you want to help your kids out, especially when they are starting college. After all, you want them to get their education, and cosigning for a student loan may seem like a great way to support them.Generally, if you have good credit, choosing to cosign on a student loan can give your kids access to better interest rates. But, there are risks when you become a cosigner too, so you shouldn’t automatically jump in.To help you decide if you should cosign for that student loan, Read more [...]

When Is It Financially Time for Your Adult Kids to Move Out?

Many parents want their adult kids to move out, but aren't quite sure when the time is right. Some choose to allow their children to remain at home while they complete their college education or begin their careers. While this can certainly let their kids get a solid financial footing under them, figuring out precisely when they should move out isn’t always easy.Even if you are open to providing some level of monetary support to your kids, that doesn’t mean they need to stay in your home Read more [...]

What are the requirements to obtain an EIN?

You may have heard a few things about needing a federal tax ID number for your business, but it can be confusing to understand at times. If you’ve ever wondered if you need an EIN or how you can become eligible for one, you’re not alone. Here’s all you need to know to apply for an EIN.Eligibility RequirementsThe first step to receiving an EIN for your organization is determining your eligibility. You’re eligible if:You have a legal residence, principal office, or principal place Read more [...]

Three Things You Can Do Today For Better Mental Health

Are you trying to live the best life possible? If you’re like many people, you’re trying to find all of the resources that you can in order to see your daily life be the very best that it can be. How can you take care of your mental health today? Here are three big tips that you can use in order to have the best mental health possible.Get Outside. When was the last time that you went outdoors for any reason? If you haven’t done so recently, then it may be time to get out and about. Read more [...]

Should My Family Buy a Timeshare?

Many years ago, on what was the first or many trips to Florida with my family, I remember my parents attending a meeting on buying into a timeshare. Being a child at the time, I didn’t really understand anything, except it was at a swanky hotel and they fed my sister and I ice cream sundaes while my parents listened to a lady talk about places to stay in Florida.Back at the house we were renting, I overhead my parents seriously talking about buying into a timeshare for the first time. Florida Read more [...]