Whether your child is an upcoming Freshman or a returning Junior, it’s never too early to start planning for the upcoming college school year. Like most parents, you probably want to assist your child with the cost of college tuition beyond any scholarships, grants, or student loans of their own. If you need to borrow money, you may need to decide which is the best option for you – a Federal Parent PLUS Loan or a Parent Private Student Loan.Continue reading “Student Loans – How to choose between Parent PLUS Loans vs. Private Parent Loans”
Saved money on gas… check
Saved money on eating out… check
Saved money on vacations and date nights… check
2020 has been a rollercoaster ride for many people’s finances. During mandatory shutdowns, most Americans cut back on what were once normal activities and found that they were able to save some money. But now what? As communities slowly reopen, it seems like there are deals and sales everywhere vying for your dollars. So how do you avoid post-quarantine overspending?Continue reading “Tips to Avoid Post-Quarantine Over-Spending”
Gone are the days when someone worked for the same company for 40+ years before retiring with a pension, fancy pen, and maybe if you were lucky a gold watch. Today, the average 50-60 year old has had about 12 jobs over the course of their working career.
With changing jobs comes a trail of old and sometimes forgotten retirement plans, typically a 401(k). These orphaned 401(k)s shouldn’t just get left behind – it’s your money and some could even have thousands of dollars in them.Continue reading “How to Roll Over an Old 401(k)”
Have you heard of formjacking? I’m going to go out on a limb here and say probably not. Formjacking is probably the biggest type of credit card cybertheft you’ve never heard of. It’s a relatively new form of digital information theft caused by hacker attacks on commercial websites involved in e-commerce and other activities that collect customers’ personal information.Continue reading “What is Formjacking and How Can I Protect Myself?”
Over the past decade, filing for bankruptcy has become far less taboo – good, bad or indifferent it’s become far more mainstream for both businesses and individuals.
For individuals, there are 2 types of Bankruptcy – Chapter 7 and Chapter 13. With Chapter 7 you must have an insufficient income to allow you to pay at least a portion of your debts. Under Chapter 7, you either pay for or give up your property for secured debts. You surrender any nonexempt property in order to pay off as much of your other debt as possible. You keep all of your other exempt property and are forever released from any obligation to repay the remaining dischargeable debt.Continue reading “Bankruptcy 101 – Pros and Cons”
With the invent of email, instant messaging, texting and video chat it’s become the social norm to ASK permission to call someone – especially in business. So why does it seem like our phones are ringing more and more? Well, odds are it’s a telemarketer and their getting sneakier and sneakier – calling from “local” phone numbers to get you to answer. Telemarketing isn’t necessarily illegal, but it’s certainly annoying.
Why is it happening and what can you do about it?Continue reading “Telemarketers: How to spot them and how they get your number”
It’s the great debate: Has the use of Digital Marketing such as email, texting, and social media changed the customer experience for the worse or for the better?
For the most part, we are in “Camp Better”.Continue reading “How Digital Marketing changed the B2B Customer Experience”
Do you ever wish you could go back in time and make different financial decisions? Some of the worst financial decisions are made when we are young and just starting to manage our own money and bills. At 18, you get that first taste of freedom, you can get your own credit card, open your own bank accounts without a parent, and even get a loan for a car on your own. But, making the wrong choices this early in the financial game, can set you back and affect your credit for years to come.Continue reading “Finance tips every 18 year old should know”
There’s often a debate over which retirement fund you should choose: a Traditional or Roth IRA? As a millennial, there is a definite advantage to choosing one over the other. Continue reading “Why every millennial should have a Roth IRA”
It seems keeping your personal information safe these days is like a full time job. From managing all your online accounts to monitoring your credit to validating what is spam. We live in an online global economy. Gone are the days where you can trust every email, every phone call and every piece of snail mail. Unfortunately, we must be on high alert 24/7, but it shouldn’t be a full-time job just protecting your personal information! Continue reading “7 Ways to Protect Your Personal Data”