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November 2017

Credit Score 720

Going from Zero to 720 Credit Score in One Year

your credit score can have a big impact on many different areas of your life. If you have little or no credit history merchants don’t know if they can trust you or not so they charge you big deposits for everything including getting a cell phone, renting a car, renting an apartment or getting the electricity turned on. These deposits can be several thousand dollars! But if you had a good credit rating they would waive these deposits altogether.

If your credit score is not the best at the moment, you could be thinking about taking steps to improve it, but might not know the best ways to do so. Below are some of the things you should think about when it comes to your credit score.

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Stocks vs Bonds

Retirement Reasoning: 3 Investments To Consider Now

Saving for retirement should be a part of your investment strategy as soon as you begin your adult employment. The actions you take today will help you manage the money you make during your working years, to invest for a time when you can relax and enjoy the benefits of your labor. Finding the right investment venues is not difficult. However, it does require some time and investigation to understand the benefits of each type. Here are 3 investment vehicles that have a record of providing income for your retirement years.

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Party on a Budget

Budget Bash: Throw Your Holiday Parties for Less

A holiday party is a fun way to bring people you care about together, whether it’s your friends and family or employees at your business. The problem is that by the time you pay for the space, the food, the drinks and any entertainment, you could be in for an expensive end-of-the-year bill. Fortunately, there are some easy ways to keep your holiday parties within a budget, no matter how many people you’re inviting and how much you can spend. Here are three tips to throw a holiday party on the cheap.

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Get past living Paycheck to paycheck

How Young Families Can Move Past the Living Paycheck-to-Paycheck Phase

When first starting out, many families get in over their heads, in their rush to buy a home and get established. This often results in a lack of savings for emergencies and living “paycheck to paycheck”.
When you live paycheck to paycheck, it can seem like you are struggling to get by. You may regularly wonder what would happen if you got severely sick or seriously injured. Financial concerns may keep you up at night, and you may not feel like you can afford to take a vacation or even a random day off when you feel run down. If you are tired of living this type of lifestyle, there are a few steps that you can take.

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Selling Luxury Real Estate

5 Facts that Demystify Selling a Large Home

Larger homes not only have a limited market due to cost, but each tends to be unique in its own way. They can stay on the market longer because they need just the right buyer. Many luxury home sellers tend to get impatient and let their property go for much less than its true value. Here are some facts to keep in mind when it’s time to sell your larger home.

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Life Insurance

How Much Do You Know About Life Insurance?

Insurance isn’t exciting or flashy, but it is absolutely necessary if you want to provide for your family in those times when it feels like the rug has been pulled out from under you. Many forms of insurance are required, for instance, most lending institutions require homeowners insurance which covers the value of your house in case of  damage and also covers against lawsuits should something happen on your property.
Most people understand how necessary it is to have a good life insurance policy to replace the breadwinner’s income but many do not give it the priority it deserves. Those with families and children are usually most vigilant when it comes to having Life insurance coverage. But there is never really a bad time to talk about and shop for life insurance coverage.

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Roof Repairs

On Top of Things: Financing Roof Repairs before the Winter Months

If your roof shows signs of damage or wear, now is the time to get if fixed. Once the snow and ice build up on your roof, every thaw means running water that can creep into the tiniest cracks and gaps. The water can also re-freeze and expand, making the cracks worse. Melt water soaks into the wood and can do structural damage. This makes roof repairs even more expensive. If you haven’t been able to follow our advice and put aside an emergency fund for situations like this, here are some funding options to consider.

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