Not only is credit a key factor in securing loans, potential employers may review an applicant’s credit and it’s also used to determine auto and homeowners insurance rates you pay. Don’t close old accounts: While this may seem counterintuitive, closing a card may negatively impact your credit. It reduces your credit-to-debt ratio and credit history which lower scores. Ask for…read more →
For kids, shopping for new gear and supplies may be the coolest part of going back to school. This doesn’t mean you need to “break the bank”. Try these tips to save big money this year. 1. Make a list then check the house first: Go through all closets, utility drawers and storage areas first. You may already have many…read more →
Did you know that making small changes on a credit report and how you use your available credit lines can make BIG differences in your scores? Here are 10 things every consumer should know about credit: 1. Paid Tax Liens can be Removed Paid (Released or satisfied) federal tax liens can be deleted from a credit report and all other…read more →
Most children are now in the middle of the school year. Unfortunately, most schools don’t teach kids how to budget, spend or how to grasp the value of money. 1. Start early: A 2013 Cambridge U. study found that by the age of 7 (1st grade) most children grasped how money works and ‘core behaviors” they take into adulthood. Teach…read more →
The year’s end is hectic between the holidays, parties and kids being home from school. It’s easy to get off track during the 4th quarter. Follow these 6 tips and with a little time and effort your 2019 finances will be more organized and less stressful. Organize your paperwork: It’s hard to feel in control when you can’t find anything. …read more →
Six out of ten American’s will make some type of financial based new year’s resolution for 2019. Usually, there’s a triggering event like receiving your December 2018 credit card bill or spousal pressure to name two. Follow these tips: Consolidate Financial accounts: Close 1 or 2 existing financial accounts that you are not tracking or have insignificant monies in. This…read more →
Last year people spent on average $1,000 per child for the holidays. Heed these tips to avoid out of control spending: JoinHoney.com: On your iPad, desktop or laptop click www.JoinHoney.com and add the extension. This extension (not for phones) automatically searches for the best price and attaches coupons, often cheaper than Amazon when you are checking out! Make a budget:…read more →
NYC is a great place to visit however it can burn a hold in your wallet Check out these options! Top of the Rock Observation Deck and MOMA (Museum of Modern Art). You can get a combination ticket to visit both for $44 total and can even go on different days. Museum of Moving Images. in queens just went through…read more →
Request a FREE Consultation with the Insurance Doctor Here You just finished watching the latest installment of House Hunters on HGTV and begin to think to yourself why not me? Purchasing your first home is not only the American Dream, for many young Americans it signifies a real transition into financial adulthood and responsibility taking on potentially the largest debt you…read more →
Proctor and gamble did a study in 2008 and found the average woman spends over $1500/year in dry cleaning. Men who wear suits daily would spend more than half that amount. Can these bills be eliminated, probably not. Reduced, for sure! Take off your work clothes and hang them up immediately upon returning home from work. Let clothes “air out”…read more →
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