by Don Gayhardt | Feb 15, 2019 | Budget, Data, Debt, Finance, Information, Investment, Money Management, Savings
A number of different factors go into a credit score, and some people work for years to move their score into the good range. In general, people who have credit scores above about 700 are in decent shape, but those in this situation often wonder how to take their...
by Don Gayhardt | Dec 12, 2018 | Budget, Data, Debt, Finance, Income, Retirement, Saving, Savings
In the United States, more than 62 million people rely on Social Security as a source of income, including about 43 million retirees. Recently, the Social Security Administration (SSA) announced some important changes to benefits that will begin in 2019. Individuals...
by Don Gayhardt | Nov 21, 2018 | Budget, Debt, Finance, Income, Investment, Money Management, Retirement
In the United States, it is very common to carry debt. According to a survey conducted by Pew Charitable Trusts, about 80 percent of American households have some kind of debt. The most common form of debt is a mortgage, although many individuals also have other...
by Don Gayhardt | Oct 25, 2018 | Budget, Debt, Education, Finance, Investment, Money Management, Savings, Spending
It’s a sad fact that the public school system in the United States does little to introduce children to the concept of money and financial responsibility. Even at the college level, colleges typically only offer such classes as an elective, if at all. The results of...
by Don Gayhardt | Oct 5, 2018 | Budget, Data, Debt, Finance, Information, Money Management, Saving, Security, Spending
Repairing a poor credit score takes a lot of diligence and work, but the payoff can be very exciting. For many people, reaching a credit score of 740, which is widely accepted as the threshold between good and very good credit, is a major milestone. At this point,...
by Don Gayhardt | Aug 27, 2018 | Budget, Debt, Finance, Income, Investment, Money Management, Savings, Spending
Modern technology provides a wide range of tools for taking control of our personal finances. While many people have heard of Credit Karma, which provides guidance with improving personal credit scores, or Mint, a budgeting app, individuals may be unaware of the many...
