by Don Gayhardt | Feb 28, 2017 | Debt, Finance, Investment, Loan, Money Management, Spending
When shopping for a mortgage, it is important to know what the different options are and what the implications of each are for the future. The following is an overview of the major different types of mortgage and what each means for the borrower: Conventional vs....
by Don Gayhardt | Feb 16, 2017 | Finance, Investment, Money Management, Retirement, Spending, Stocks
A popular type of mutual fund is the money market fund. Money market funds are designed to have low volatility by investing only in cash or cash-equivalent securities. Such investments usually have high credit quality and high liquidity. Typical money market fund...
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...
