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Financial Security

Tips, advice, statistics and more on how to increase your financial security. You’ll learn how best to manage your finances, invest your money, deal with debt, and more as we cover topics surrounding investments (equities, bonds, etc.), debt (credit cards, car payments, student loans, etc.), as well planning for major financial events in your life including retirement, weddings, children, and more.

Best Credit Report Monitoring: Experian vs Equifax vs Transunion vs Credit Karma vs Credit Sesame

Credit cards

Yes, you are more than just a number. You are a talented, charming, one-of-a-kind individual with many wonderful qualities. Now for some tough love: when it comes to securing a loan or a line of credit, none of that matters. Your ability to borrow money, your “creditworthiness,” all comes down to a three-digit number, your credit score. What’s more, in many states, prospective employers can even check your credit prior to hiring you. So it pays, literally, to maintain good credit... Read More »

Peer-to-Peer Lending Sites: Lending Club vs Prosper vs Upstart

Best Peer to Peer Lending Sites

Looking for an alternative to taking out a traditional loan? A peer-to-peer (P2P) lending site could be a viable option for you. Lending Club and Prosper are widely considered the dominant peer-to-peer lending sites, but what makes them the best of the pack? And how do they compare with other, lesser-known P2P sites? Here we give you a rundown of what P2P lending sites are all about and a comparison of several top services you’ll find on the web... Read More »

Why Portfolio Rebalancing is Crucial

Why You Should Reblance Your Portfolio

A portfolio needs to be balanced (in an allocation that is suitable for you); however, our portfolios are not as quick as our bodies to announce their lack of equilibrium. Often times, the lack of balance may initially look like a positive thing when we review our monthly statements. “Wow, the stock market is really up this month!” you may remark. “Things are going well with my investments. No need to change anything now—I want this to continue!” The important thing to remember, however, is that when there is significant movement in the stock market (in either direction), it may be time for a little portfolio rebalancing... Read More »

The Ultimate Estate Planning Checklist

Estate Planning Checklist

So you got married. Check. You bought a house. Check. And you just had your first baby. Check. Congratulations on achieving these goals! But, are you prepared to protect them? No time like the present to get started preparing your estate plans to make sure that's your loved ones and your assets are all accounted for. I know, you probably think you're too young to be worrying with a will. In fact, it may seem like something your parents should be worrying with more than you. But, hopefully they already have a will. Plus this is not only about wills, it is also about your medical wishes should you be in near death after an accident. I always say it's better to be prepared then to be caught off-guard. Your loved ones will thank you later... Read More »

How Do I Become a Successful Investor?

Woman dawing a chart

If you were to listen to the radio today, you might encounter entertainers who tell you that “the only way to make money is to day-trade” or that “the easy way to make money is to buy and sell options that let you leverage a lot of stock with very little capital required.” Everyone’s doing it! — or so the programs seem to imply. I would argue that there is definitely something wrong here — but it’s not with the listener. What happened to REAL investing?... Read More »

How to Pick the Best Home Warranty Company

Kitchen with stainless steel appliances

When choosing a home warranty company you need to do one thing. READ THE FINE PRINT. Many customers find themselves frustrated with a company for not paying for an appliance repair or the replacement of a system, but if the company isn't paying for it there is most likely a written exclusion in your contract specifying the situation. So before we go any farther promise you'll read every word of your contract... Read More »

10 Ways to Save on Homeowners Insurance

Townhouses

I must admit, I never even thought about homeowners insurance until my friend bought her first home! So, you can imagine her frustration when she realized there was yet another cost of home ownership on top of the monthly mortgage. The good news is that there are ways home owners can save money and I want to share these 10 tips to learn how to save on homeowners insurance. Also, this can be a great guide to reference while requesting quotes from various homeowners insurance providers... Read More »

5 Estate Planning Must-Do’s

Estate papers

Although estate planning is likely the last thing you want to think about, refusing to deal with it is one of the most inconsiderate things that you can do. We don’t often think about it that way, but it is true. By denying our mortality, we can leave a hurricane-sized catastrophe behind for our loved ones to have to deal with. Is that really the legacy you wish to leave? Instead, I encourage you to leave behind a legacy of love and caring—one that shows you have put effort into making this challenging time as simple as possible for them... Read More »