Tips for Borrowing Student Loans Wisely

College tuition is rising nationwide – and student loan debt is following at record rates. If you’re considering a student loan, ask yourself a few hard questions first. A realistic approach, combined with a few smart choices , will help you keep debt to a minimum and assure your personal financial well-being after college. Here are some tips f...


Student Loan Borrowers: Do You Have an FSA ID?

You may have noticed federal student aid websites now ask you to provide an FSA ID in order to apply for student aid, access information about existing student loans, complete entrance and exit counseling, apply for a loan consolidation or enroll in an income-driven repayment plan. This is a change from the longstanding four-digit, FAFSA PIN login....

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woman raking leaves as a way to save money on yard work

How to Save Money on Yard Work

A beautiful yard is an attractive feature for homeowners, yet the upkeep can be cumbersome and costly. Here’s a quick look at how you can save money on yard work while making your yard a place you want to spend time: Xeriscape: In dryer climates especially, daily watering and irrigation systems can add considerably to a homeowner’s budget....


How to Handle Errors on your Credit Report

Reviewing your credit report at least once a year is an important part of managing your personal finances. Ensuring the information contained in the report is accurate can help you when making a large purchase, such as buying a new vehicle or applying for a mortgage. Many employers now check prospective employees’ credit reports as well, so if...


Organizing Your Finances in Eight Easy Steps

If you’re like most people, the prospect of organizing your finances is daunting – to say the least. When faced with stacks of account statements, credit card due dates and household bills, it may seem easier to shove it all in a file and close the cabinet drawer. But ignoring your finances and wishing the bills away is never a good formula for...


Protecting Seniors from Identity Theft

Identify theft is an unfortunate reality of our times, and seniors can be especially vulnerable to this life-altering crime. If you’re a senior yourself or are helping care for an elderly friend or family member, there are a number of things you can do to protect personal information from falling into the hands of the wrong people. Minimize Ma...


Reverse Mortgage 101: Debunking Common Myths

With so many scams targeted at the elderly, many people wonder whether reverse mortgages are a legitimate option or simply another scheme. Simply said, a reverse mortgage or Home Equity Conversion Mortgage (HECM) enables homeowners 62 years and older to convert part of their home equity into tax-free cash. It may prove a good solution for senior...