How to Keep You & Your Bank Account Smiling During the Holidays

The holidays are months away, but it is never too early to start planning ahead.  Trust me, your wallet will thank you.  If you’re a procrastinator when it comes to gifts or even budgeting make this year different!  Follow these tips and hopefully you won’t … [Read More...]

What causes the stock market to crash? The 2008 Financial Crisis

Recent Stock Market Crashes - What Happened? Stock market crashes are brutal. Some people lose their entire life savings, some people go even further and take their own lives. Stock market crashes, bubbles, whatever you wish to call them, date back as far as … [Read More...]

What Causes the Stock Market to Crash? A Look at Black Monday

Are you expecting logic when it comes to the stock market? Well don't. Your sanity and your pocketbook depend on it. What causes the stock market to do anything hinges on three things - fear, greed, and manipulation. The stock market is a zero sum gain, one … [Read More...]

What Is APR? A Beginner’s Guide To Understanding Annual Percentage Rates [Infographic]

I'm no fan of Bank of America whatsoever, but they're doing us a solid here by creating this "What Is APR" Infographic. If you're like millions of credit card holders, you may not know exactly what APR is or how it's calculated. Reading this little Beginner's … [Read More...]

529 Educational Savings Plan

If you want to save for your children, grandchildren, or other beneficiaries' college this is the fund you're looking for. We have to go back to 1996, which was when the 529 saving plan was created. Oddly enough, 529 is the section in the Internal Revenue Code … [Read More...]

written retirement plan

Target Retirement Date Mutual Funds – Is it really that easy?

Why choosing a fund based on your age may not always be your best option. Target Date Funds have gained in popularity since their introduction in the early 90’s.  And for good reason, they reduce something as complex as investing and retirement planning down … [Read More...]

Avoid the Debt Collector

Debt collectors are supposed to abide by the rules set forth in the Fair Debt Collection Practices Act (FDCPA). Old practices such as harassing you at work, calling you late at night, calling your employer, and threatening you with false information are … [Read More...]