by Don Gayhardt | Mar 8, 2017 | Finance, Investment, Money Management, Retirement, Saving
When investing money, it is critical to understand the concept of diversification. Put simply, diversification is a strategy for making portfolios less volatile over time. Unfortunately, however, the diversification process is anything but simple. A number of...
by Don Gayhardt | Feb 14, 2017 | Debt, Finance, Investment, Retirement, Saving
Real estate is not an investment for everyone, but thinking of real estate solely as purchasing and then renting a property is shortsighted. In today’s market, there are a number of different ways to get involved with the real estate market, even for those who do not...
by Don Gayhardt | Feb 9, 2017 | Finance, Investment, Money Management, Retirement, Saving
Many people think of mutual funds as inherently safe or balanced investments, but this assumption can lead people into trouble. Many mutual funds provide greater diversification than is possible through investing on one’s own. However, individuals still need to...
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 | 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...
