Finances
Educating yourself about how money should work in your own life and how your own particular resources and abilities integrate with the rest of society is a critical element of becoming prosperous. For most
Taking control and being assertive about your finances is a critical element of prosperity.
Using Financial Goals and Incentives to Increase Family Productivity and Protect Wealth
Several years ago, my wife brought up with me the topic of purchasing a nice mini-grand piano to put into our front, formal room. We did a little research and found out that we’d be looking at spending in the range of $5,000 to $10,000 to get something that matched...
Chase Bank
Chase Bank Summary Chase Bank (part of JP Morgan Chase & Co.) is the largest bank in the United States in terms of assets. Chase has the second most branches (5,193) of any bank in the United States. Only Wells Fargo has more locations (5,930) than Chase. Chase’s...
What Factors Affect Your Credit Score?
Credit Reporting Agencies and FICO Score Understanding how significantly your credit score affects your access to borrow money, you naturally want to know what factors affect your credit score. I will answer that question for you, and I’ll provide other details...
How To Buy a Home Foreclosure At An Auction
For several years, I’ve been interested in getting into real estate investing. My internet businesses have done well enough for me to save up some cash that I can use to start looking at properties and getting my feet wet with some real estate...
Lost Cashier’s Check? Here’s What to Do
A short while ago, I came across a notice of public auction for a foreclosed townhome that I was interested in picking up. I’m not a very experienced real estate investor (yet), but I thought I’d go give this one a try. I had to get on a plane and travel...
EveryDollar App Available for Computer, Apple, and Android Devices
If you’re in the process of getting your personal finances in order by using a budgeting system, or if you’re simply looking for something simpler, effective, or easier to use, I’d suggest the EveryDollar app made by Dave Ramsey’s organization to be used...
Using Dave Ramsey’s EveryDollar Budgeting App To Plan a Family Budget
When my wife and I were a newly married young couple, we were pretty disciplined at budgeting our money. We had to be, because we didn’t have much of it. As we moved on in our career, and our businesses have done well for us, we moved away from being...
MyEdDebt.gov Debt Resolution Portal for Defaulted Student Loans and Grants
Student loan debt is having a crushing effect on current students and graduates, whose college dreams often have turned into nightmares as they realize that the job and career for which their specific degree has prepared them is likely not worth the cost...
One for the Money, Guide to Family Finance
If you want to be successful raising a family, one of the most important skills you can develop is managing your finances. In the 21st Century, being a parent is more expensive than ever. A USDA report released in 2017 estimated that it will cost parents...
How to Become a Millionaire
I’m going to share with you the formula I’ve followed to become (together with my wife) a millionaire. But first, some context. The United States has more than 11 million households reporting a net worth of more than 1 million dollars based on the latest...
Getting a Home Loan with Bad Credit
One of the primary factors lenders consider when you apply for a mortgage is your credit score. They normally use what’s called a FICO score, which is a number that ranges between 300 and 850. Lenders use this number to assess your trustworthiness, as it...
Dave Ramsey’s 7 Baby Steps for Saving Money, Paying Off Debt, and Building Wealth
Dave Ramsey is a popular radio show host, an author of several books about financial management and developing life skills. Besides being a great teacher, he is also, not coincidentally, a successful businessman and a devout Christian. His Financial Peace...
How Much Home Can I Afford?
When you’re shopping for a home, one of the very first questions you’ll ask yourself is, “How much home can I afford?” I’ll answer that question for you in this article using the information lenders use to qualify you for a loan amount as well as some...
FHA Loan Debt to Income (DTI) Ratio Guidelines
FHA Loan Debt to Income (DTI) Ratio Guidelines FHA loans allow first time home buyers and others who are just starting out or who may be financially disadvantaged to purchase homes through a government assisted program that differs from conventional loans....
The Simplest Financial Management and Debt Reduction Plan Ever
The materialistic, super-indulgent world we experience today has created a very large demand for debt reduction programs, debt counseling careers, thousands of apps for managing personal and family finances, and a thriving market where millions of people...
Are We Currently Experiencing A Real Estate Bubble?
Article Summary The current housing market in the US has made its way back to pre-Great Recession levels. Interest rates are rising, which will tend to cool off the increasing housing prices. Significant factors that will cause a market correction in the...
How to Set Goals and Achieve Them
Setting goals is something that everyone has heard of, but very few people implement. Goal setting takes discipline to put into action and more so to stay consistent with it. If you understand the 5 SMART goal methodology and how to write SMART goals, naturally,...
How To Become Rich – The Richest Man in Babylon Formula
The Richest Man In Babylon is a fictional story with sound principles that have helped people become wealthy through their application. This first part comes from the part of the book “Seven Curses For A Lean Purse”. Heed the advice in each of these...
