Financial Planning

Maybe you’ve found yourself in need of unexpected car repairs. Or maybe your daughter is begging for that tricycle she spotted in the store last week. Perhaps you simply want to make an extra few hundred a month to pay the bills. There are all sorts of reasons you might need 100 dollars now, and that’s […]

If you or someone you care about is concerned about qualifying for a home loan, co-signing a mortgage with help from a non-occupant co-signer may be an option to help with financing.  Prospective homeowners with small down payments, high debt-to-income ratios or credit score issues may have difficulties getting a mortgage on their own. However, […]

Every year the IRS makes tax code changes to income tax brackets and rates. The adjustments consider the impact of inflation and help to prevent something known as “bracket creep.”

Do you have goals you’re currently saving for? If so, do you feel like you’re making significant progress? If you don’t have savings goals, what’s holding you back? February 21-25 is America Saves Week, which is a chance for us to reflect on our current saving habits and make changes to improve our financial health. […]

Most Americans understand that living on minimum wage is less than ideal, but did you know it was originally meant to be a living wage? In this blog, we’ll explore how the minimum wage came to be and how it’s evolved over time.

You are celebrating your first year as a new homeowner which means experiencing many firsts. Your first home renovation, your first winter as the primary caretaker of a hot water heater (is it supposed to make that noise?) and now, your first tax season. Dealing with taxes for the first time after buying your home […]

Thinking about getting a small business loan? Familiarizing yourself with the five C’s of credit can help you understand the factors that lenders consider. Unlike a personal loan which examines individual credit history, business loans look at the five important characteristics to determine your creditworthiness.

Lifestyle creep occurs when increased income leads to increased spending. Despite earning more money you don’t see an increase in wealth because you keep spending what you have.  You might be experiencing lifestyle creep if despite getting a raise, or several, you still find yourself living paycheck to paycheck. 

Refinancing your home is a useful tool that can help you make the most of your investment. However, you should carefully examine your goals and circumstances to determine if it is the right choice for you. Read on to learn more about the pros and cons of refinancing your home.

‘Tis the season for shopping and gift-giving! Between supply chain shortages and recent mass changes in employment, finding and purchasing presents for everyone on your list might be trickier than in years past.