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Top 5 Most Expensive Cities in the U.S.

Deciding to move to a new city can be a tough decision for anyone, as it’s a big leap to take. One factor to consider is how much it costs to live in a city. While certain cities around the U.S. are great places to live, the cost of living may make you think twice before moving there. Below is a list of the top five most expensive places to …Read More

How To Make Renting Simpler and More Affordable While Improving Your Credit

Renting has, for a long time, been a stepping stone to homeownership. Yet, over the past 50 years, more Americans are renting for longer periods, with many never moving beyond that point. Additionally, rental prices are going up everywhere, while the availability of units has stagnated and even decreased in some markets.    More restrictive lending in the housing market is a key factor to why more people are renting …Read More

Ask an Expert: What are the Best Small Business Healthcare Options?

Q: What are the best small business healthcare options? Dear Reader, Navigating the jungle of employee benefits can be a daunting challenge for small business owners, no matter if the decisions involve a sole proprietorship or a team of several employees. First and foremost, it should be noted that employer sponsored healthcare coverage is optional for businesses with 50 or fewer full-time employees. As the owner, you have a wide …Read More

How to Get the Best Deal on a New Car

Cars are vital for people to get to work and back, haul the kids around and take a drive around the town. There should be a good amount of research and preparation done before the purchase as cars are usually the second largest purchase people make in America besides their homes.   Below are some written some tips on how to get the best deal on a new car: Compare …Read More

Should I Buy a Home Before Paying Off My Student Loans? Five Factors to Consider

Americans owe more than $1.48 trillion in student loan debt, according to Student Loan Hero. That sum is the result of 44 million borrowers or roughly two-thirds of students graduating from four-year colleges. Many people in their 20s and 30s with student loan debt wonder whether they can or should buy a home while they are still in debt. Some find they are perfectly capable, while others realize they are …Read More

Ask an Expert: Is it ok for the Collection Agency to do this?

Q. Is it ok for the collection agency to do this? My husband and I are trying to get out of roughly $50k worth of credit card debt. We are considering refinancing our home and using the equity to pay the debt. However, three years ago my husband moved out of his apartment in Seattle to the Midwest with me. He gave his notice to the apartment complex and paid the …Read More

Preparing for Large Purchases Before College Graduation

Saving Before Graduation While it’s difficult to focus on the future with a mountain of homework in front of you, there are easy ways to start saving before you graduate. Since a vast majority of college students share housing, many are able to drastically cut electric, utility, cable, and internet bills. Some Ways Student Can Cut Costs: Share streaming services, phone plans, and grocery bills with roommates or family. Negotiate …Read More

Saving on Your Summer Vacation with Smart Credit Card Use

For many people, it takes all year long to save up for that special summer vacation, be it a romantic trip for two or an adventure for the whole family. But a lot can happen before summer comes, and that vacation fund can often get trimmed to take care of other necessities. Thankfully, there are ways to save on your summer vacation — and your favorite credit card may be …Read More

Ask an Expert: Should I take out a startup loan for my small business idea?

Q. Should I take out a startup loan for my small business idea? Dear Reader, The prospect of starting your own business and growing your ideas must be very exciting. And the most difficult part is getting the capital to get it going, especially if your business is just starting out. Taking out a loan to grow your business has its pros and cons, but the ultimate decision depends on the …Read More

The Benefits of Credit Counseling

NFCC-certified consumer credit counselors are experts that can tailor confidential programs to meet the specific financial needs that you may be facing. They are equipped to help you with an array of financial issues,whether you need help paying off debt, managing your student loans or help understanding your specific financial situation. They are here to help so you can get on the road to financial freedom. Services available at our …Read More