Every person should have an understanding of how their finances work at every stage of life so they can build and improve their safety net with some Financial Literacy. Financial literacy is the ability to use knowledge and skills to make effective and informed money

Tax credits, exemptions, itemized deductions, dividends and capitals gains – you know that that means…it’s time to start working on those federal tax returns! And while Tax Day is still two months away, you might want to get a started on those 1040 forms now

When you are a real estate investor, no matter how large or small, it is important to educate yourself on the mechanics of real estate transactions, learn how to source and sell deals, all while managing and maintaining properties. You must juggle a number of

Researchers estimate that fewer than half of Americans will save enough for retirement – a disparity which is augmented by a climbing life-expectancy. Retirees are going to require enough savings to cover long-term care expenses. This should make us all take stock of the risks

Great you’ve just bought your first home! It is likely that you will be offered a home warranty for protection against expensive, unforeseen home repairs. But is it really the safety net homeowners expect? Depending on your situation, a home warranty could definitely be worth

While reducing your water bill may not be too high on your list of ways to save money, water is a precious resource and the cost is rising all the time. According to a report by the American Water Works Association, infrastructure upgrades and improvements

These days’ people do everything online – meet people and stay in touch, conduct business, purchase products and services, store and access records, and support hobbies or entertainment interests. Everyone is vulnerable to general risks involved with using the internet but seniors are particularly vulnerable

With home prices and sales steadily improving in many parts of the country, your parent or loved one may be considering moving into a nursing home – now referred to as a continuing care retirement community (CCRC). Seniors considering moving into a retirement community should

People nearing retirement face many important, and often irreversible, choices. It is vital that you reassess your financial literacy as you prepare or begin retirement as your financial needs, goals and options may have changed. Although these financial decisions will affect your well being for

A reverse mortgage enables older homeowners (62+) to convert part of the equity in their homes into tax-free cash without having to sell the home, give up title, or take on a new monthly mortgage payment. The reverse mortgage is aptly named because the payment

Most people know that closing a credit card that is no longer used can potentially damage your credit score. Unfortunately, this knowledge often keeps consumers trembling in fear of closing credit card accounts. And as a result, they hang on to cards they should have

Time is the most valuable and elusive commodity we have — we cannot increase it, we cannot replace it — it is priceless. When we are working, time challenges us to squeeze as many tasks as possible into every minute of the day. When we

Borrowing from your 401(k) may seem like a good idea when an emergency or unexpected expense arises, however, tapping into your retirement savings may be more trouble than it’s worth. Normally we’d all prefer to have enough room in our monthly budgets and daily savings

While most of us can manage our own finances from day to day, we need the help of professionals with the expert knowledge to align our short and long-term financial plans while providing access to the right product to improve our situations. With the flurry

Are you excited for the holidays – gifts, lights, entertaining, dinners and decorations? You are not alone. Many Americans love to celebrate the holidays, but few enjoy the financial pinch you experience after holiday spending well into the new year. If you don’t want to

Even the best laid retirement plans are at risk for monetary losses or unexpected complications. As we saw back in 2008, a major stock market crash could bankrupt your pension plan, high inflation rates could eat away at your savings faster than you’d planned for