How to calculate your debt to asset ratio

Let’s say an unemployed acquaintance of yours, we’ll call him Jeff, asks to borrow $10 from you. What do you do? Immediately, with your $10 in your hand, you’ll ask yourself a bunch...

Changes Coming to Credit Reporting

The "Big Three" credit bureaus — Equifax, Experian and TransUnion — will now be handling errors on your credit report differently, according to a recent Yahoo Finance article. Over...

Money Mistakes to Avoid in Your 20′s

People in their 20′s are often just beginning their careers, dreaming more of the milestones they want to meet along the way, rather than the golden age of retirement that is still many years off....

Why Is This Years Tax Season Such a Pain?

While many people already put doing their taxes in the same category as getting a root canal, the process is getting more grueling than ever. If you have noticed this, you are not imagining things. The...

Unhappy in Your Job? Think Change!

Apple founder Steve Jobs once famously said: “I have looked in the mirror every morning and asked myself, ‘If today were the last day of my life, would I want to do what I am about to do today?’"...

Retired? You May be Entitled to Some Fun Perks

Retirement means that you get to (finally) stop working. Seniors with a substantial nest egg can relax and enjoy their golden years; however, those on a fixed income will have to be careful with their...

Teaching Your Children About Money

Regardless of where your family is on the economic scales, teaching children to manage finances can be a challenge. Parents who are not suffering any financial issues may be tempted to provide their children...

Improve Your Credit With Little Effort

Each of us must pay careful attention to our credit scores if we ever hope to purchase a home, get a new credit card, buy a car and even get student loans. While most people understand that the best way...

Easy Way to Save Thousands

If you are like most people, one of the resolutions you made this New Year was to save money. While the concept is sound, some of the methods of saving money seem to elude most of us when trying to put...

What Attracts an IRS Audit?

With tax season in full swing, chances are you are in the midst of collecting documents for your annual filing. Certain taxpayers will face a higher likelihood of an audit if they are not careful about...

How to Negotiate a Good Salary

Perhaps one of the most intimidating aspects of being offered a job is the haggling over salary. However, it is possible for you to walk away from the table satisfied with not only your new job opportunity,...

Financial Advice You Should Ignore

Everyone thinks they are money managers, and they dole out financial advice like it is going out of style. Too often, following unwanted advice could lead you down a dangerous path that could seriously...

Investment Myths Young Adults Believe

When you are young, specifically in your 20′s or 30′s, it is easy to think you do not have the funds needed to invest in the stock market or in a mutual fund. This is a one of the more common...

Can You Save $1,000 on Your Taxes?

Let's face it, most of us would do anything to pay less money to the government for our income taxes. What might surprise you is that taking advantage of retirement account rules alone, you can save...

Financial Help for Adult Children

Your adult child may be beginning his first career, making his first major purchases and starting to invest in the market. As a parent, you want to protect your child and help them live a successful life....

New Year’s Resolutions – Improving Your Credit?

The new year is the perfect time to start fresh on some of the aspirations you have for your life – New Year’s Resolutions! Many people aspire to improve in some area of personal finance, whether...

Holiday Money Saving Tips and Budget Ideas

The holidays can leave you drowning in a pile of credit card bills you can't afford unless you pay attention to where your money goes all month long. In the days leading up to Christmas and New Year’s,...

Surprising Credit Mistakes

The credit score can seem like a mystery. You're aiming for a high one so you can have access to credit and meet your financial goals and dreams. You strive to do all the right things — but you...

Ruined Credit? Now What?

Millions of people have taken hits to their credit scores during the recent economic recession. The numbers of people going through job loss, home foreclosures, ongoing unemployment and bankruptcies have...

What Are the Most Popular Retirement Locations? You Might Be Surprised

When thinking about a retirement destination, most people will first bring to mind a city somewhere in the warmer states like Florida or Arizona. However, it may come as a surprise to find out that these...