Financial Blog
Know your Debt-to-Income Ratio
When you’re trying to borrow money – and that includes applying for credit cards – it pays to know your DTI, or debt-to-income ratio. Your DTI presents a snapshot of what your debt looks like in relation to your income, and it helps lenders – especially mortgage...
How to Freeze Your Credit
Your credit and your financial future are at risk. The Equifax breach is just the latest in a long line, and it’s the worst we’ve experienced… so far. The truth is that your information is out there, it’s vulnerable, and criminals have access. One protective step you...
How to Repair the Damage of Child Identity Theft
Single moms, if your child has been the victim of identity theft, you’ll need to take specific steps to reverse the damage and protect him from future financial attacks. This process can be really frustrating, so make sure your child has an existing credit report...
Don’t Skip this Crucial Wealth-Building Step!
Workplace retirement plans, like 401(k)s, let you save for your future without much thought after you first sign up. That "set it and forget it" strategy works really well on the contribution side, so you’re constantly adding money without skipping. But that’s not the...
More Money for You, Less to the IRS: How to Minimize the Taxes on Retirement Withdrawals
The minute you start taking money out of your retirement accounts, the tax meter starts running. But a simple strategy lets you maximize your money and minimize the tax bill…so your retirement savings will last longer. To get the most out of your retirement...