Big Data is the cry echoing from big business these days, and it promises the change the face of business as we know it. While I am not sure that it is going to have that kind of impact, big data is going to be an essential part of any business strategyRead More →
I certainly enjoyed those two days of Spring this year. But now Summer is almost here, and it is bringing the heat with it. If you are like me, you wish there was a way to stay cool without breaking the bank. Well, here are some tips I found to helpRead More →
We’ve kicked old man winter to the curb, and Spring is finally here. And that means it’s time to spring clean. If you think we mean spring clean your home, well, you will probably be doing that too, but we want you to spring clean is your finances. So, let’sRead More →
One of the effective tools lenders have at their disposal is the debt to income ratio (DTI). They can use this in combination with a credit report and income to get a good indication of your ability to pay back a loan. Beyond that, the DTI can be a handyRead More →
Spring is in the air, which, fortunately, or unfortunately, means it’s tax time again. As you prepare to settle up with the federal government for the year, you want to check and see if you can use any tax credits. A tax credit can directly reduce your tax bill, so it’s aRead More →
So, you got a big tax refund, and you are doing the happy dance. It’s understandable that any financial windfall is going to seem like a good thing on the surface. Some people even treat their tax refund as a savings account and plan for its use throughout the year.Read More →
I doubt if anyone would list their favorite activity as paying bills. So it always amazes me that most people seem to do whatever they can to make it last the longest. The sad part is that they there are many tools to speed up the process, but these justRead More →
I have a statement about motivation that I like to keep on the wall in my office. It reads, Motivation and Self-Esteem are the natural results of earned achievement and personal effort That simple one-line statement encompasses a lot of meaning. Two of the biggest factors that personal success dependsRead More →
Saving some of your money from each payday is a great way to build up wealth. But if it isn’t convenient, you may find that you end up skipping pay periods. It’s probably best to keep those savings deposits going, so you will want to make the process as painlessRead More →
Congratulations and a big pat on the back for having a home financial budget. You are already ahead of the game and in the minority of most people. However, maybe your financial budget isn’t keeping up with your actual spending, and you need to get it back on track. Here areRead More →