Everyone has a spending weakness or two. Whether you buy a latte every morning or can’t resist a deal on a designer purse, these indulgences can impact your budget and savings plan. 47% of Americans say they couldn’t cover a $400 emergency expense without selling something or borrowing money, according to research from the Federal...
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Starting early can make a world of difference when it comes to teaching children to save and make sound financial decisions. Luckily, there are simple ways to teach kids about money and help youngsters learn smart saving techniques. Here are some approaches to teaching children the valuable art of saving. 1. Teach kids about money with...
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Home maintenance is an ongoing process. From raking leaves and replacing shingles to cleaning disposals and replacing batteries in smoke detectors, there’s always something to do around the house. The following home maintenance checklist has items you can tackle now and throughout the year to keep your home running smoothly. Monthly home maintenance checklist Owning...
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Looking for a home or apartment to rent can be difficult and stressful. Perhaps you’re competing with a large number of people for a specific unit, or you’re searching in a popular location. Often renters will wait until the last minute to look for another apartment, but it’s key to work ahead and have a...
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A reference Trusts are an integral part of estate planning and funding a trust so that it meets the needs of a client’s estate and wealth transfer goals involves a proper and sound strategy. Nearly any type of asset can be used to fund a trust, including stocks, bonds, cash, mutual funds, real estate property,...
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More than half of U.S. adults bank online, according to Pew Research Center, and about a third of them bank via cell phone. Given the popularity, it’s important to ask; Is online banking safe? Despite concerns about identity theft, online banking is as safe as any other banking transaction, says Murray W. Kenyon, senior vice...
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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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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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When the weather report predicts any type of storm, it’s time to prepare for the possibility of an electrical outage. Whether it’s the lightning bolts of a thunderstorm, the damaging winds of a tornado or the heavy snows of a blizzard, these powerful storms can cause blackouts, brownouts and other electrical glitches. You can’t control...
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If you ask most people to name the best pets for apartment living, cats will be at the top of most lists. But as small-space and city living has grown in appeal, not only millennials but also downsizing seniors are looking to expand their possibilities when it comes to animal companionship. And while a cat...
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These days, having a high credit limit can seem like a form of financial stability. It’s nice to know there’s extra credit available if you need it. And even if you don’t need it, a higher credit limit can actually result in a higher credit score and increased borrowing power. It’s all about something called...
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If you’re moving out of a home you own, you might be wondering whether to rent your house out or sell it. Both of these options have benefits. It’s important to look at your individual situation and weigh the pros and cons before you decide. Many elements factor into choosing whether to rent or sell...
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What are life skills? People have different views about which life skills are most essential for success. However, what they do agree on is that we all need these skills for life in one form or another to address the issues that occur daily at work, school and home. These skills have become particularly important...
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For Millennials, figuring out how and where to save money and invest it is a little trickier than for previous generations. In many ways this group has the same financial concerns of previous generations. They might be paying off student debt, saving for a house, putting money into retirement accounts, building an emergency fund and...
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