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7 Questions to Ask Yourself Before Making a Large Purchase

You’re convinced: You really want that Coach handbag. Or you need that genuine Armani tie. Or maybe you know that gigantic, high-res entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. Of course, you’re absolutely thrilled. That’s until, a few weeks down the line, when you’re staring a huge credit card bill in the face and buyer’s remorse hits hard. You can’t help wondering, then, why you thought this exp...



How Many Credit Cards Should I Own?

The importance of maintaining a good credit score is old news. As you likely know, the higher your score, the more attractive you will be to potential lenders, making larger loans and the best interest rates more accessible. Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills on time. You may be wondering, though, if more is better. Should you open a few more and get more available credit? Or, are too many cards a liability to your score? Rea...



Protect Yourself Against Identity Theft With These 7 Tips

Identity theft is one of the most nefarious crimes out there. Here are seven ways to help protect yourself: 1. Secure Your Hard Copies Every sensitive document should be kept in a safe. Credit cards and debit cards should be securely placed in your wallet at all times. Bonus Tip: Shred all aged documents that contain sensitive information 2. Examine Your Financial Statements Review your financial statements monthly and check carefully for fraudulent activity. Report any suspicious charges immedi...



6 Ways to Turn Your Dream Vacation Into a Reality

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true. 1. Start saving Give your getaway a jumpstart by planning for it all year long. Set up a Trip jar. Whenever you’ve got loose change, plunk it in a jar earmarked for your vacation. Use the money you’ve saved to fund one part of your vacation. Brown-bag it. The average American buys lunch twice a week. By brown-bagging it just ...



Should I Refinance My Home Mortgage?

Q: Many of my friends have refinanced their mortgage recently, and they’re urging me to do the same thing. Money is always a bit tight, and the thought of an extra few hundred dollars a month is very tempting. Should I refinance? A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out another mortgage, usually at a lower interest rate. It may sound like a no-brainer, but there are lots of factors to consider before deciding to ...