by Don Gayhardt | Feb 2, 2017 | Debt, Finance, Money Management, Spending
Good credit scores can drop to dangerous levels rather quickly. With only a handful of missed or late payments, one’s score can fall below 600, which severely limits a person’s financial opportunities. People with a score this low may not qualify for the apartment of...
by Don Gayhardt | Jan 31, 2017 | Education, Finance, Money Management, Saving, Spending
Today, a wide range of different personal finance apps exist. One of the most popular ones is Mint, which gives users a real-time glimpse in their finances. Individuals can link all of their accounts – from student loans to bank accounts and credit cards –...
by Don Gayhardt | Jan 26, 2017 | Debt, Education, Finance, Money Management, Saving, Spending
Several factors go into determining a credit score, and to raise it people should focus on as many of these components as possible. The most important aspect in determining one’s credit score is payment history, but a person’s amount of debt is also important. Other...
by Don Gayhardt | Jan 24, 2017 | Finance, Investment, Money Management, Spending, Stocks
When tasked with making their first stock purchase, the average person is often unsure about how to proceed. Even those who have done their homework to learn about the stock market and choose the best stocks for their purposes may not understand exactly how to perform...
by Don Gayhardt | Jan 19, 2017 | Debt, Finance, Loan, Money Management, Spending
The decision to buy a house is stressful enough without having to contend with the confusing mortgage process, which adds significantly more pressure to the entire situation. Before making the decision to purchase a home, buyers should spend some time investigating...
by Don Gayhardt | Jan 17, 2017 | Investment, Money Management, Retirement, Stocks
For most individuals, the most popular investment vehicles are stocks and bonds, as well as real estate for certain investors. Just as there are several different types of real estate, there are different categorizations of both bonds and stocks. Investors, even...
by Don Gayhardt | Dec 29, 2016 | Debt, Education, Investment, Loan, Money Management
One of the biggest sources of financial stress that both parents and their children face is how to pay for college. Even when parents are diligent about saving money, rising costs of education can still make it necessary to take out student loans. Unfortunately, many...
by Don Gayhardt | Dec 27, 2016 | Debt, Finance, Money Management, Saving
Many people in the United States struggle with credit card debt. Because credit is so easily accessible and interest rates are so high, it’s easy for debt to spiral out of control. When people begin to feel like they are underwater with their credit card debt, they...
by Don Gayhardt | Dec 22, 2016 | Finance, Insurance, Money Management, Saving, Spending
One of the leading causes of bankruptcy in the United States is medical bills, even for people who have insurance. Preparing for the unexpected, such as emergency medical care, is one of the keys to continued financial solvency. This is especially the case during...
by Don Gayhardt | Dec 20, 2016 | Finance, Investment, Money Management, Retirement, Saving
As the New Year approaches, many individuals consider making resolutions about their personal financial health. However, when people are getting started, they may feel at a loss. In the end, resolving to be more responsible financially may not work out if you do not...
