How to Get Your Free Credit Report

How to Get Your Free Credit Report

Until relatively recently, people typically had no idea what their credit score was. They were also unclear about their credit history. With the widespread expansion of the Internet, obtaining one’s credit score for free has become very easy. Consumers who want their full credit report also can obtain this at no charge through the Internet, as well as by mail. Follow the strategy of your choice to acquire your free credit history and to monitor your score.

Everything You Need to Know About Your Free Credit Report
The Three Credit Bureaus

Equifax, Experian and TransUnion are the three national reporting bureaus. Along with […] Read more

How Much House Can I Afford?

How Much House Can I Afford?

Owning a home is a dream that many Americans aspire to, and one of the most frequently cited reasons is the belief that owning a home is less expensive in the long run than renting. Money paid to a landlord is seen as nothing but a loss, while payments on a mortgage are viewed as an investment in something of value. However, buying a home is only a financially sound decision if you’re buying a house that you can actually afford.

Tips to Help You Figure Out the Price Range on Your New House
Take “Pre-Qualification” With A Grain Of Salt

The first […] Read more

Best Car Insurance Companies to Protect Your Car

Best Car Insurance Companies to Protect Your Car

Every driver wants to find the best car insurance company, but it can be hard to separate the wheat from the chaff. Superior car insurance companies offer transparency, excellent customer service, and respect and courtesy for all policyholders. Whether drivers have taken out loans to pay for their cars or they own them outright, their vehicles are investments that deserve to be treated with respect.

Only insurance companies that hit all of these sweet spots have made this list. They’re all rated by J.D. Power and Consumer reports and they all have relatively few complaints filed against them with the National […] Read more

What Is a Roth IRA and Should Your Retirement Plans Include One?

What Is a Roth IRA and Should Your Retirement Plans Include One?

Recent surveys indicate that fewer than 15 percent of Americans have a traditional pension, and only about 40 percent of employees contribute to any type of individual pension plan. For years, people were encouraged to contribute to 401K plans, but most employees don’t.

Since 401K retirement plans are not working as intended, many employees are exploring other ways to fund their retirements. Both regular IRAs and Roth IRAs offer employees ways to save money that will be needed once they retire. But, which type of IRA is the best one for meeting your retirement goals?

Both forms of IRAs offer benefits anyone […] Read more

Understanding Federal Income Tax Brackets

Understanding Federal Income Tax Brackets

Men and women often turn to a tax professional to have their yearly income tax forms completed. With so many forms to fill out, calculations to make, and numbers to insert, it’s no wonder people become stressed during the first months of the year. Thanks to the recent tax cuts enacted by the Trump administration, the entire process of completing your taxes has become more confusing.

While the idea of keeping more money in your wallet is always good, learning the new laws can be challenging. The biggest change taxpayers need to be aware of is the new tax brackets. Currently, […] Read more

Buying Life Insurance for the First Time? Here’s What You Need to Know

Buying Life Insurance for the First Time? Here’s What You Need to Know

Men and women don’t buy life insurance every day. As a result, the first time a person goes to obtain coverage of this type, they often feel overwhelmed. It’s difficult to know how much coverage is needed, which type of policy should be obtained, and which company should be selected for this purpose. The following tips are of great help in ensuring the purchase process goes smoothly and the buyer obtains the right policy, coverage, and company for his or her needs.

Why Is Life Insurance Needed?

First, individuals need to recognize why life insurance is critical. This type of policy provides […] Read more

The Cheapest Cell Phone Plans for Your Tight Budget

The Cheapest Cell Phone Plans for Your Tight Budget

Are you feeling the pinch of your costly cell phone plan? Thankfully, you don’t have to stick to one cellphone plan for life! If you’re unhappy with your current plan or it no longer serves your needs, you’re always welcome to make the switch.

But with more than 30 carriers and several plans to choose from, getting the right plan is not always easy as it seems. You have to consider how many texts you need, talk time, and data. You also need to take into account speed and coverage as well as find the best carrier in your location. And […] Read more

Money Order Basics: What You Need to Know About Money Orders

Money Order Basics: What You Need to Know About Money Orders

It’s the electronic age, and most of us probably think that the best way to send money is to do it electronically. There’s a slew of online remittance services, e-wallets and electronic fund transfers that allow you to transfer money in an instant, but when it comes to traditional methods, money order proves to be one of your best options.

There are several instances when money orders make sense and, in some situations, it proves to be the best payment method. Most people consider money order as a sound alternative to checks, especially if you don’t have a bank account or […] Read more

Buying a Car vs. Leasing One: What’s the better way to go?

Buying a Car vs. Leasing One: What’s the better way to go?

A car is an essential investment in the modern age. How you obtain a car is a huge decision to make. After all, you’re essentially locking yourself into monthly payments and car-related expenses for the next several years.

Traditionally, the best way to get a car is to buy one. However, leasing has risen to popularity. Leased cars nowadays are not limited to luxury vehicles anymore. You can find a slew of vehicles for lease, ranging from sedans, SUVs to other car types in between.

Now that you have two options, you go through an internal debate: should you lease or buy?

Would […] Read more

The Best Places to Sell Your Stuff Online

The Best Places to Sell Your Stuff Online

Do you have a lot of clothes in your closet only to complain that you have nothing to wear? Are you frantic every morning looking for things like car keys or the other pair of your shoes? Do you feel stressed having too much stuff inside your house you can barely use? If you say yes to these questions, chances are, you need to de-clutter your home.

But de-cluttering is just one part of the equation. What do you do with all the extra stuff that you’ve accumulated? Instead of junking them, turn them into cash. A lot of people had […] Read more