Thursday, April 28, 2016

Adjustable-Rate Mortgages (ARM)


Q: I’ve heard a lot about mortgages with adjustable rates. How do they work?

Wednesday, April 27, 2016

Your Credit Score: The (Other) Key To Your New Home

Each potential home buyer dreams of the day they’ll finally get the symbol of independence, security and prosperity: the key to the front door of their new home. Before you get that one, though, there’s another key you need to craft. Your credit score, a numerical representation of your credit history as an indicator of your ability to pay your bills, will determine a lot about your housing situation, from how much house you can afford to the interest rates you’ll receive.

Tuesday, April 26, 2016

Keeping A Checkbook Register- A 20th Century Solution To A 21st Century Problem


Thirty years ago, trying to spend more money than you had wasn’t just embarrassing; it was a scandal. Since checks didn’t process instantly, a shopkeeper would have no way of knowing until days after the purchase. Writing one bad check would cost you check-writing privileges at that establishment and possibly land your likeness on a “wall of shame.”

Friday, April 15, 2016

Avoiding Scams In The Workplace: Keeping Yourself And The Rest Of Us Safe

Pop quiz: What do the data breaches at Target, Home Depot and Sony all have in common? Give up? They were all caused by employee errors. These, along with about 500 other breaches, are confirming what many security professionals have worried about for years. In the digital age, the weakest link in our information security is us: humans. The most common cause of data breaches around the world is employee error or negligence.

Thursday, April 14, 2016

3 Things Teens Can Do This Summer to Boost Earning Potential

Tuesday, April 12, 2016

Minimizing Financial Strain in Caring For


The older adults in our lives have done so much for us. Whether they’re parents, neighbors or other loved ones, their guidance and experience has no doubt made our lives immeasurably better. That’s part of the reason why dementia is such a tragic and saddening illness to watch. It is painful to witness the people we love and respect as they slowly deteriorate before our eyes.

Monday, April 11, 2016

Your Down Payment On A House


Q: I’m hoping to buy a house in the next few months. How much of a down payment should I have saved up?

Thursday, April 7, 2016

What To Do When The Rent Is Due – But You’re Coming Up Short

Q: Yikes! I’ve got a rent payment due in a couple of days. Payday will come too late and I’m a few bucks short! What can I do?

Wednesday, April 6, 2016

Are Your Financial Realities Keeping Up With Your Financial Priorities?


Happy New Year! It isn’t three months late, it’s just a different calendar. That’s because filing your taxes effectively closes the book on the financial year gone by while opening up a world of possibilities. Will this be the year you break free from the clutches of debt? Will you set up an emergency fund? Maybe you’ll finally start saving for retirement! New years are typically a time of reflection, and the financial new year is no exception. It’s time to kick back and dream big about what goals you’ll achieve in the financial year to come (provided you’ve finished your taxes first)!

Tuesday, April 5, 2016

DeVry’s Lawsuit: How A Victory For Students Became An Opportunity For Scammers


The Federal Trade Commission (FTC) is taking DeVry University to task for allegedly misleading advertisements. DeVry marketed itself with a bold claim that 90% of its graduates ended up working in their field. It turns out that figure is wildly inaccurate, so much so, the FTC decided to make a federal case out of it.