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Beware of Two Popular Ways to Finance a Home with Poor Credit

October 2016

Owning a home is the American Dream. In fact, most renters in a recent survey indicated that they’d like to buy a home. But the combination of tightened mortgage requirements after the 2008 housing crisis and the slow post-recession recovery of employment and income for many Americans has meant that many people may not qualify for a conventional mortgage. Having a spotty or poor credit history makes it hard to meet these mortgage requirements.


What If? Planning Documents You Need to Manage Life’s Events

September 2016

Life happens—and it can be unpredictable. Planning ahead, however, can help you and your family cope with the unexpected and manage the expected. Every adult, from young to older, should make the effort to plan. Having the following documents in order can ensure that your wishes are carried out and help avoid family confusion or conflict.


Working to Pay Down Debt?

Avoid Debt Relief Scams and Bad "Services"

August 2016

Millions of Americans owe thousands of dollars on credit cards, student loans, medical bills and other unsecured loans or bills. Many are struggling every month to make minimum payments on what they owe. Even people who are managing their payments would love to pay less. Such circumstances make consumers with debt easy targets for debt relief and debt consolidation scams and schemes.

Protect yourself against signing up for phony or ineffective debt relief or consolidation schemes that may cost you more money and increase your debt, may open you up to identity theft, and generally dump you in financial "hot water." Know these major red flags used by entities pushing their services!


Renting a Car on Vacation? What Insurance Do You Need?

July 2016

Many people enjoy "destination" vacations where they fly to the location then rent a car for local transportation. When you rent a vehicle, it’s important to have the right insurance coverage for the rental. Should you take the coverage offered by the rental company? Or will coverage provided by your personal auto insurance policy and the credit card used to rent the car be adequate?

Finding the best insurance coverage for the vehicle you rent depends on the answers to several important questions. In most cases, the coverage provided by your personal auto insurance policy and credit card will be both excellent and least expensive. But in other cases, the coverage provided by the rental agency may be your best choice, even though it may cost more.


Avoid 8 Summer Scams Targeting Your Wallet

June 2016

Warmer days bring thoughts of relaxing summer activities and plans for vacations. Summer is also a popular time for doing home maintenance. Warmer days also bring scams that use all these summer activities to steal your hard-earned money. Watch out for these wide-spread cons and take steps to protect yourself.


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