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...
by Don Gayhardt | Jan 12, 2018 | Budget, Finance, Information, Investment, Money Management, Retirement, Stocks
One of the most critical yet confusing aspects of personal finance is saving for retirement. Individuals have a number of different options for saving, and it can become difficult to decide which avenue is the best. Many people do not even realize all the different...
by Don Gayhardt | Jan 4, 2018 | Data, Education, Finance, Information, Job, Loan, Money Management, Mortgage, Retirement, Saving
Individuals working to improve their credit scores need to understand how the score is calculated. There are many misconceptions about what factors do and do not contribute to this score. Dedicating time and energy to address issues that will not even affect...
by Don Gayhardt | Dec 28, 2017 | Budget, Debt, Finance, Investment, Loan, Money Management
One of the most confusing aspects of taking out a loan is figuring out exactly what the interest will cost. Several different types of interest exist, and individuals should try to have a basic understanding of each of these categories before they even begin shopping...
by Don Gayhardt | Dec 20, 2017 | Data, Finance, Income, Investment, Money Management, Stocks
To buy and sell stocks, you need to hire a stockbroker. This individual acts as a middleman between investors and the stock market. Brokers act sort of like salesmen to facilitate a sale on behalf of a larger brokerage house, such as Charles Schwab or Merrill Lynch....
by Don Gayhardt | Dec 13, 2017 | Budget, Finance, Investment, Money Management, Retirement, Saving, Security
One of the most important tools that individuals use to save for retirement is the 401(k) plan, which now faces an uncertain future. With different messages coming from the legislative and executive branches regarding potential changes to tax law considering 401(k)s,...
