What is an emergency fund? Sometimes called a rainy day fund , an emergency fund is money that you set aside to serve as your financial safety net for when you need it. What qualifies as an emergency? To a certain extent, an emergency varies by the individual, but one way to think of it...
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Learning how to live on your own can be an exciting time in your life, but it’s also a big and costly transition. One of the first and most important decisions you’ll need to make involves finding a place to live that fits your budget. Because this is typically your largest expense, it raises the...
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Credit card debt can be daunting. Like any mounting debt, it comes with concerns about how it may be affecting your credit rating. Knowing how to do a balance transfer could be an efficient way to help pay down debt – and improve your credit. Moving your balance from a high-interest credit card to a...
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Now more than ever it’s difficult to navigate life without a solid credit history. From applying for a loan to renting an apartment, good credit is a must. If you’re just starting out and lack any form of credit history – or the information on your credit report is mostly negative – the following are...
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Depending on the type of business you own, buying a company car could provide some noteworthy benefits. It might come in handy for deliveries or driving between work locations, and the tax benefits of owning a business vehicle are substantial. But like any major purchase, there are several things to consider before you sign on...
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A revocable living trust, or simply a living trust, is legal entity created to hold ownership of assets generally used to determine how their assets will be handled after they die. The person who creates this living trust is called the grantor or the trustmaker and typically also serves as the trustee, meaning they handle...
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While many people think tornadoes impact only the Midwest, every state in the country is vulnerable to tornadoes, according to the National Oceanic and Atmospheric Administration (NOAA). Approximately 1,200 tornadoes hit the U.S. each year, causing an average of $24,000 in home damage and $4,000 in auto damage Strong winds from tornadoes can seriously damage the structural...
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Whether you’ve owned one before or you’re new to riding a personal watercraft (also known as a PWC), selecting a PWC that best suits your lifestyle and budget requires research and time. To help make the selection process easier for you, we put together these buying tips for personal watercraft. Knowing What to Look For...
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No one could ever love your children quite like you do. But in the unlikely event that both you and your partner pass away, it’s important to have a guardian named in your will (the only place where this directive can be given) who can care for your children in your absence. Deciding who this...
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Any sudden, unplanned decision to purchase a product or service is considered to be impulse buying. These spur-of-the-moment purchases can be big or small, but they are never planned. If you’re standing in line at the supermarket checkout and suddenly decide to purchase a candy bar, that’s an impulse purchase. But the same can be...
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There are seemingly endless ways to arrange your apartment, but having an arsenal of good ideas can cut through the clutter. Did you just move out of an apartment? Ready to start with a fresh design for your new one? From figuring out the best way to decorate your kitchen to knowing what plants can...
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If the responsibilities of being a homeowner have become tiresome, it might be time to make a move. Or maybe you’re looking at buying a house but think the regular maintenance is more than you, or your schedule, can handle. A condominium or co-op might be the right living option for you. Both offer the...
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Spring has arrived – which means it’s time to get your home in tip-top shape. A good, deep spring clean-up is a tradition that not only promotes wellness by keeping your environment clean and organized, it also helps carry the fresh-start feeling brought on by a new year well into the summer. We’ve compiled some...
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We know that creating a will can be confusing and maybe even a little overwhelming. But having one in place is the only way to ensure that your wishes will be carried out after you’re gone, including who will care for your children, pets and dependents. To help simplify this topic, we’ve created a list...
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It is a universal truth hungry critters will eat your vegetables and flowers. So you will need some form of barrier to protect your plants this spring as best you can. You may not stop the animals entirely but you’ll surely slow them down. Different threats mean different protection is needed. Learn ways to keep...
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