by Don Gayhardt | May 31, 2018 | Data, Education, Finance, Income, Investment, Money Management, Mortgage, Retirement, Savings
People often think that managing personal finances boils down to saving money whenever possible and minimizing spending, but this is a very simplistic point of view. In reality, one’s financial wellbeing is more about mindset than actions. While actions are what get...
by Don Gayhardt | May 24, 2018 | Budget, Data, Debt, Finance, Information, Investment, Loan, Money Management, Saving, Stocks
A survey that Bankrate conducted last year showed that only 20 percent of American adults have no financial regrets, while more than 70 percent of respondents said there were very specific mistakes that they wish they had not made. Among the respondents’ biggest...
by Don Gayhardt | May 10, 2018 | Budget, Education, Entrepreneurship, Finance, Money Management, Savings, Security
While the 2017 tax season was largely business as usual, things will be very different in the 2018 season because of the new laws that were passed in late 2017. To maximize returns, or at least minimize how much is owed, individuals need to start thinking about the...
by Don Gayhardt | Apr 18, 2018 | Budget, Debt, Finance, Income, Money Management, Retirement, Saving, Savings
Once individuals hit their 40s, they need to focus on securing their finances so that they are ready for retirement and other demands. During this time, kids may be preparing to start college and parents may need expensive nursing care. Consequently, our 40s prove...
by Don Gayhardt | Apr 4, 2018 | Budget, Finance, Income, Insurance, Investment, Money Management, Spending
One of the most crucial considerations when preparing for retirement remains the forms of insurance that will keep individuals and their nest eggs safe. Recently, high premiums have driven down the sales of long-term care insurance. This form of insurance provides...
by Don Gayhardt | Mar 14, 2018 | Data, Information, Investment, Money Management, Mortgage
In today’s world, your credit score is important for everything from obtaining a loan to securing the lowest possible interest rate on a mortgage. Your credit score can even have a bearing on your ability to land a job. While a number of different tools exist to take...
by Don Gayhardt | Mar 7, 2018 | Budget, Finance, Income, Investment, Money Management, Mortgage, Savings
Many people struggle to answer the question of whether or not they are ready to retire. Whether you have been saving for decades or working hard to catch up, it can be difficult to decide when it’s time to call it quits for good. Too often, people focus solely on the...
by Don Gayhardt | Feb 28, 2018 | Budget, Finance, Income, Investment, Money Management, Saving
Investors often see their investment activity as a form of saving money, but in reality, these are entirely different processes. Saving and investing have specific purposes, and both should play a role in a person’s overall financial strategy. While investing can help...
by Don Gayhardt | Feb 21, 2018 | Budget, Debt, Finance, Information, Investment, Loan, Money Management
Auto loans are generally one of people’s largest expenses, behind mortgages and student loans. When purchasing a car, you should not wait until you are at the dealership to think about financing. With a little preparation, you can get a great deal that will save you...
by Don Gayhardt | Jan 19, 2018 | Budget, Finance, Income, Investment, Money Management, Saving, Spending
One of the most common misconceptions that people make when trying to save money is thinking that it will be painful. Often, people think that saving money means making drastic cuts in their budget and foregoing the things that they like to do for fun. When...
