What?! Retirement by age 45?! No, it’s not impossible – and YES it you can do it. Here’s the insider scoop. You need to figure out what your minimum annual income needs to be for you to retire. That is not necessarily what you make today. You spend a lot in order to work (think:…
Building small business credit can be difficult, but it’s a necessary part of growing your company. It’s also important to keep your credit accounts separate from your personal and business lives. Here are a few ways that you can credit on your small business account. Establish your company as an LLC to protect your assets.…
Time to refinance your car…or maybe it isn’t? Check out our three reasons it’s time to refinance your car below: 1. Your credit score has improved – When you first bought your car you had no credit history or you had some eye opening issues on your credit report, but now everything is looking good.…
Cryptocurrency is one of the most complicated yet hot topics in the finance world lately. Some see it as a revolution toward bringing our society into a place that doesn’t rely on banks any longer while others think it’s a ripoff. But despite what you think of it, it’s hard to ignore that a single…
The FBI’s Uniform Crime Reporting program says that there were 69,502 reported property crimes on college campuses in 2015. Clercy Act reports that there were 1,926 college campus fires in that same year. Armed with this information, it’s important to know that your college campus will not cover the costs of stolen property or damage–however,…
Cryptocurrency, particularly Bitcoin, had been going through steep rises, especially over the holidays and into the new year. However, they’ve been dropping drastically lately and coins are low across the board. Many of the altcoins have dropped drastically as well. Ripple has gone through a rise after partnering with MoneyGram. Many other altcoins, such as…
Credit scores can be quite finicky, and it’s easy for your score to drop without even initially realizing it. Here are a few ways you may have unintentionally hurt your credit score. Waiting until due dates to pay bills. Closing a credit card. Getting store credit cards for discounts. Co-signing on a loan. Paying off…
There are many cards that have awesome sign-up bonuses, such as travelers perks, but there are also ones that you can use to boost your credit score. This is a positive double whammy, too. To get more cash-back rewards and other perks, you need to take advantage of sign-up bonuses. You can chip away at…
Lending circles are a great way for people who are unable to qualify for credit cards to kickstart their credit. A lending circle is a type of installment loan where a group of people put money into a pool each month that can be loaned by each person in the group. This continues until each…
Despite making sure your credit score is good enough to get a mortgage loan, there’s a good chance that the mortgage will take your score down a few pegs. In fact, some see their score drop by at least 40 points. “If you have high utilization on credit cards or other credit lines, and then…