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The Importance and Potential Benefits of Fixed Rates
Fixed rates provide stability. Understanding the concept of fixed rates is crucial for financial security. With payments that remain constant over an agreed period, loan borrowers are protected from interest rate fluctuations....
Read MoreInvesting in Real Estate is Not as Easy as It Appears to Be
Real estate has been all the rage over the years as a safe and reliable investment, but does it live up to the hype? Discover the ups and downs of investing in real estate, shedding light on the potential drawbacks despite its apparent...
Read MoreHow Taylor Swift, Beyoncé, and the Barbie Movie Are Helping the Global Economy
The entertainment industry has always been a major influence on the U.S. and global economies. One of the biggest sporting events of the year, The Super Bowl, generates billions of dollars in economic activity. Super Bowl LVI, in 2022,...
Read MoreAll About Credit Scores
It's difficult to imagine functioning in today's world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with having a...
Read More5 Lessons You Can Learn from Warren Buffett
Warren Buffett is often considered a man of great wisdom and unparalleled success in the world of investing. Buffett's journey is a testament to the power of knowledge, patience, and staying true to one's principles. With a net worth...
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Estimating Your Retirement Income Needs
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement...
Read MoreFederal Student Loans Resuming: Strategies for Long-Term Financial Planning
Many people view student loans as a necessary evil. Very few of us have the financial ability to save enough money to cover the entire cost of college for our children. The majority need to borrow money and take out loans. But where do...
Read MoreHarnessing the Power of AI: Benefits and Concerns
By now, you’ve already heard of ChatGPT and Google Bard by reading various online articles, seeing reports on the news and in general conversations with colleagues. Both inventions are essentially Artificial Intelligence (AI)...
Read MoreTrust Basics
Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility —...
Read More3 Tips to Mitigate Inflation Impact on Retirement Savings
Inflation is the reduction of the purchasing power of a currency over time. The dollar is certainly not as impactful as it was 10 years ago because of inflation. With the recent struggles of the American economy, all we hear about is...
Read More5 Habits Wealthy People Follow
There’s never one way to become wealthy, but there are consistent habits among self-made wealthy people that may put you in a position to achieve financial gains. No matter your level of expertise, following these habits may...
Read More8 Tips to Budget for Higher Energy Bills and Outdoor Activities
The summer season is in full force, and so is that temptation to go on a spending spree. Along with the pleasures of beach trips, barbecues, eating out at restaurants, and outdoor adventures comes a not-so-welcome guest — seasonal expenses.
Read MoreThe Debt Ceiling Crisis: A Reminder About the Importance of Financial Planning
By now the dust has settled on the recent debt ceiling crisis that plagued the government and distressed a few economic experts. The crisis, while scary and potentially fatal to the economy, is a healthy reminder about the importance...
Read More5 Ways to Build Your Brand for ALL Generations
Building a successful brand in a world that has become excessively competitive can seem insurmountable. Gen Z and younger millennials have found it easy to adjust to the changing dynamics of branding. But for the older generations,...
Read MoreThe Impact of Hybrid Work on Workers' Compensation
A recent survey by Zippia revealed that almost three-quarters of US companies are using or planning to use a hybrid model. Hybrid work refers to a combination of remote and in-person work and for the foreseeable future, it’s here...
Read MoreThe World of Wedding Insurance
No one wants to think about anything going wrong on one of the biggest days of their lives. But, like all discussions about insurance begin: What if? Considering the average cost of a wedding in 2022 was $30,000, it may be...
Read MoreWhat’s Your Side Hustle?
Millennials and Gen Z have taken the gig economy to a new level. Most individuals between the ages of 25-40 have one or more side hustles. But baby boomers and Gen Xers are not far behind. According to Zippia, the average age of...
Read More10 Terms Every Investor Should Know
If you're new to investing, you may encounter some unfamiliar jargon. Understanding the following terms may help you become a more confident investor.
Read MoreBack to Basics: Disability Insurance
Nobody likes to imagine the worst, but what would happen if you become disabled and can no longer work? For most people, this could mean they no longer have a source of income.
Read MoreDisability Insurance Topics for 2023
The disability insurance landscape has experienced drastic changes in the last few years. The changes have led to new opportunities, as well as challenges for insurers. As the industry evolves, some issues will dominate the conversation ...
Read MoreEstablishing a Budget
Do you ever wonder where your money goes each month? Does it seem like you're never able to get ahead? If so, establishing a budget may help you keep track of how you spend your money and help you reach your financial goals.
Read MoreMental Health and Disability Insurance
As of 2021, over 55 million Americans were living with a mental health condition, according to the National Institute of Mental Health (NIMH). While mental health and disability are closely linked, disability insurance doesn't typically...
Read MoreTake Advantage of ‘529’ Day
529 Plans account for more than 30% of all education savings plans and are the most popular of their kind. 529 Plans can be used to finance higher education expenses such as tuition, fees, and room & board for post-secondary education.
Read MoreBack to Basics: Know Your Paycheck
There are many decisions and choices that need to be made when starting a new job. One of the most important is to know your paycheck. This includes understanding the taxes taken out, contributions that can be made and other factors...
Read MoreFinancial Literacy Month Theme: It’s Never Too Late…
We celebrate Financial Literacy Month with our theme for 2023: It's Never Too Late. Check out how not giving up can lead to some wonderful things. It’s Never Too Late…To Learn About Your FinancesIncome brings money...
Read MoreFinancial Literacy for Small Businesses
According to the SBA (Small Business Administration), there are over 33 million small businesses in the United States. Out of this, almost 1 million start-ups close annually. The primary reason for their failure is poor financial...
Read MorePlanning for a Smaller Tax Refund
The tax refund increased by over 15% in 2022 from the 2021 average. Many families rely on this refund each year for their financial situation. However, those same families may now find that the size of their refund is not as large as the...
Read MoreSurviving a Banking Crisis
The recent news of the banking crisis affecting SVB, Signature Bank, Silvergate Capital Corp., and Credit Suisse has dominated the headlines. Banking crises have been going on since the dawn of modern banking and continue to remain a...
Read MorePeer-to-Peer (P2P) Payments and Taxes
According to Statista, direct payments through apps account for more than 45% of the total peer-to-peer (P2P) payments market. Despite the growth, most people don't understand the tax implications of these payments.The most common P2P...
Read MoreBack to Basics: Estate Planning
Estate planning is an integral component of any good financial plan. Without this planning, you can leave your loved ones without the resources they need to take care of themselves or their family in case something unexpected happens to ...
Read MoreEverything You Should Know About Bear Markets
Just like the dawning of a new day is unavoidable, so is the onset of a bear market. Most investors dread the idea of a bear market, as it often signifies a downward trend in the stock market which can spell disaster for their investments.
Read MoreInternational Women’s Day 2023
Every March 8th, the world celebrates International Women’s Day. Celebrations and themes differ between organizations, but the message is always the same. All people, from all walks of life, will take the time to honor the women in their...
Read MoreInvesting 101: How to Access Company Earnings Report
Understanding a company's financial performance is essential for informed investment decisions. To do so, investors need to access and analyze the company earnings report. But what is an earnings report, and what kind of information can ...
Read MoreInvesting 101: The Differences Between Stocks and Bonds
Stocks and bonds are two important components of financial portfolios. They both represent different types of investments, and understanding their differences is essential to making informed investment decisions.
Read MoreThe Importance of Building a Financial Emergency Plan
As Dave Ramsey puts it, "There's always something coming in a few months that will cost money. So be prepared." Creating a financial emergency plan is essential for any individual or family.
Read MoreBack to Basics: How to Obtain Health Insurance
Health insurance can provide the security to help you save for your health-related needs. Understanding how it works is essential whether you are buying health insurance for the first time or looking to switch policies. When searching...
Read MoreBack to Basics: How to Obtain Life Insurance
We all hope to live a long and healthy life, but the unfortunate reality is that we don't know when our time will come. That's why it's essential to have life insurance - so that your loved ones can be taken care of financially if...
Read MoreEnhance Your Soft Skills for Career Advancement
Over the last few years, the importance of soft skills has risen exponentially. Employers have realized that while undoubtedly important, hard skills can only take an individual so far in their career path. Soft skills are the key to...
Read MoreMaximizing Your Bonus: Understanding How Bonuses are Taxed
Have you received a bonus from your employer recently? Bonuses can affect your tax burden in various ways. Therefore, it's crucial to understand how they are taxed to plan accordingly. Bonuses Taxed High? Why? When it comes...
Read MoreThe Consequences of Filing Taxes Late: What You Need to Know
Tax filing procrastination can have serious consequences. It's estimated that more than a third of all Americans wait until the last minute to file their taxes. But if you're someone who waits too long and misses the deadline for...
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