by Don Gayhardt | May 3, 2019 | Budget, Finance, Income, Investment, Money Management, Retirement, Savings
One of the biggest challenges that individuals face as they create a monthly budget is balancing saving for retirement with their other financial goals. Finance experts recommend saving as much as possible for retirement starting at the outset of one’s career. That...
by Don Gayhardt | Mar 29, 2019 | Budget, Data, Education, Finance, Income, Investment, Money Management, Saving, Spending
Fintech products do much more than simplify financial services for the average consumer; they can have a substantial impact on the lives of everyone from small business owners to citizens in traditionally unbanked or underbanked areas. While it’s difficult to measure...
by Don Gayhardt | Mar 15, 2019 | Budget, Debt, Finance, Income, Loan, Money Management, Spending
Personal loans come with a lot of benefits. Unlike car loans or mortgages, personal loans are unsecured and therefore issued entirely on the basis of income and credit without collateral. Moreover, these sorts of loans can be a good option for urgent financial needs,...
by Don Gayhardt | Feb 6, 2019 | Budget, Data, Finance, Income, Money Management, Mortgage, Saving
After the last financial crisis, mortgage lenders became much more stringent about approving home loan applications. The strongest mortgage applications, as well as the most enticing home purchase offers, depend in large part on the ability to put down the most money...
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 | Dec 5, 2018 | Budget, Data, Entrepreneurship, Finance, Income, Investment, Money Management, Saving
The advent of smartphones has spawned a number of apps to help people with personal finance goals, from budgeting to becoming debt-free. Beyond these uses, apps can also help novices gain confidence with investing. Given the wide range of different investing apps...
