Financial Management Tips

by Natalie Estaiteyeh on

There are a variety of financial management tools and applications available today that can be used to help you manage your money. From software applications to phone apps, there’s no shortage of help available.

Unfortunately, those apps and software programs can only do what you set them up to...

New Home Financing Checklist

by Natalie Estaiteyeh on

While owning a home is the quintessential American dream, not everyone is able to purchase a home when they desire. If you’re fresh out of school with a boat load of student debt, it’s probably best to wait until you’ve been working for at least a year before you start looking to buy. You’ll also...

Social Security History and Benefits

by Natalie Estaiteyeh on

Created as a result of the Great Depression, The Social Security Act was signed into law by President Roosevelt in 1935; mainly due to the rise in poverty of the nation’s elderly population. The act was designed to provide retired workers ages 65 and older with a continuing income after retirement...

What is Zombie Debt?

by Natalie Estaiteyeh on

Zombie debt is old debt that is typically written off as bad debt by the original creditor and then later sold to collection agencies for pennies on the dollar. Most of the debt sold is years old and cannot legally be collected, though many consumers are unaware of the statute of limitations for...

Getting Started in the Stock Market

by Natalie Estaiteyeh on

Investing in the stock market can be extremely rewarding, but not without risk. While most investors understand that market volatility is a given in the stock market, for those trying to decide whether to invest in stocks, the volatility alone gives them pause. A lot of people are too risk averse to...

Start Saving for Retirement Today

by Natalie Estaiteyeh on

Time certainly goes by fast. One day you’re interviewing for your first job and the next thing you know you’re a few short years from applying for Social Security.

If you’ve planned for your retirement, you’ll likely have a good stash of funds saved.  But the unfortunate news is that according to...

When and Why to Switch Auto Insurance

by Natalie Estaiteyeh on

Like health care, many of us continue with the same auto insurance policy for years, never bothering to find out whether another insurance carrier could provide better service or save us some money. But there are several reasons why shopping for another auto insurance policy can make sense. Here are...

Pros and Cons of a Reverse Mortgage

by Natalie Estaiteyeh on

Reverse mortgages have been around for a long time, but in recent years they have become more popular. Though some experts consider a reverse mortgage a last resort of sorts, depending on your own financial situation, a reverse mortgage may be helpful.

If you’re not familiar with reverse...

7 Ways to Avoid Bankruptcy

by Natalie Estaiteyeh on

In 2018, Americans’ debt hit $13 trillion, with the average American carrying more than $38,000 in debt – not including home mortgages. For many, debt is simply a way of life, with more Americans living from paycheck to paycheck.

For those consumed by debt, Chapter 7 or Chapter 13 bankruptcy is...

Top Strategies for Charitable Giving

by Natalie Estaiteyeh on

We all have certain causes that we choose to support monetarily. In fact, in 2017, Americans gave more than $410 billion to charities, breaking the $400 billion mark for the first time in history.

But anytime that we give our money to an organization, it’s important to do our due diligence...

Finance Financial Missteps

by Natalie Estaiteyeh on

Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next...

Why Financial Advisors Are Still Important

by Natalie Estaiteyeh on

With the rise in popularity of financial planning robo-advisors, many experts predicted the beginning of the end for financial advisors. But as many investors are starting to see, there are distinct advantages to speaking with a live person when determining just how you should invest your money.

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