Steps to get your credit rating back toward 720. We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it? Reduce your credit utilization ratio (CUR). CUR is [...]
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WEEKLY QUOTE “Silent gratitude isn’t very much use to anyone.” - Gertrude Stein WEEKLY TIP Business owners can risk neglecting their retirement planning as they get caught up in the daily activity of their companies. Be sure to look into a SEP IRA, SIMPLE IRA, Solo 401(k), or other retirement plans if you are [...]
WEEKLY QUOTE “Where there is friendship, there is our natural soil.” - Voltaire WEEKLY TIP When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart. [...]
WEEKLY QUOTE “Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.” - Charles Dickens WEEKLY TIP If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably [...]
WEEKLY QUOTE “The mystery of life isn’t a problem to solve, but a reality to experience.” - Frank Herbert WEEKLY TIP All business owners should work on a formal succession plan long before the endgame for their company begins. A solid succession plan addresses tax, legal, and financial issues central to business ownership [...]
WEEKLY QUOTE “Imagination and fiction make up more than three quarters of our real life. - Simone Weil WEEKLY TIP If your child is going to a faraway college this fall, this is the time to investigate housing options. Keep in mind that while off-campus rents may be cheaper than the rent for a [...]
WEEKLY QUOTE “The heart has its reasons which reason knows nothing of.” - Blaise Pascal WEEKLY TIP Yes, you could file for Social Security at 62, as soon as you are eligible. It might pay to wait, however. The size of your monthly payment will grow by about 8% for every year you hold [...]
WEEKLY QUOTE “The secret of happiness is not in what one likes to do, but in what one has to do.” - J.M. Barrie WEEKLY TIP If you receive a big bonus, a windfall, or a sizable inheritance, you may feel like taking some time out of the workforce. If so, keep in [...]
WEEKLY QUOTE “Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.” - William Faulkner WEEKLY TIP If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement [...]
WEEKLY QUOTE “Truth burns up error.” - Sojourner Truth WEEKLY TIP As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life [...]