EDUCATION CENTER

Credit and Debt
Travel Reward Programs

You can accumulate free travel rewards using your credit card for everyday purchases. It's true! However, it is important to approach travel reward programs ...

Credit and Debt
Fee-Based vs No-Fee Credit Cards

We typically have a natural aversion to additional costs, such as fees. While this approach often proves beneficial, there are circumstances when paying fees may ...

Credit and Debt
Debt Ratios and Debt Loads

Lenders use several factors to determine if they can lend to a person. They are looking at how much risk they take if they lend to someone. The lender's goal is ...

Money Management
The Benefits of Personal Financial Management Tools

An add-on CD is a specific type of certificate of deposit offered by banks and credit unions that allows you to add more money to your account anytime after your initial deposit ...

Money Management
What Is an Add-On CD?

An add-on CD is a specific type of certificate of deposit offered by banks and credit unions that allows you to add more money to your account anytime after your initial deposit ...

Money Management
What Is a Cash Management Account?

Cash management accounts, or CMAs, are cash accounts offered by wealth management, investment, and brokerage companies that provide some of the best features of ...

Workplace Finance
Utilizing Childcare Benefits

Balancing childcare and work is challenging for many parents, especially with rising costs and limited availability. This issue affects both families and businesses ...

Workplace Finance
Understanding Parental Leave Policies

Parental leave is a crucial workplace policy that allows parents to take time off to care for their newborn or adopted children. This policy lets employees be absent ...

Workplace Finance
Understanding Paid Time Off (PTO)

Paid time off, or PTO is a benefit offered by an employer to allow an employee to take time off from work for holidays, vacation, sick leave, or personal reasons ...

Homeownership
Getting the Lowest Mortgage Rate

In the past several years, mortgage rates have risen from record lows to the highest in decades. High rates and high housing prices are a tough combination for potential homebuyers ...

Homeownership
Understanding VA Loans

VA loans are issued by private lenders but guaranteed by the U.S. Department of Veterans Affairs (VA). They are available to active-duty service members, eligible veterans, and ...

Homeownership
What Is a Jumbo Loan?

Jumbo loans, or jumbo mortgages, are designed for financing properties that exceed the loan limits set by the Federal Housing Finance Agency (FHFA) for conventional mortgages ...

Paying for College
The ROI of Education

Committing to higher education, whether through a student loan or directly from your savings to cover tuition, room, and board, represents a significant ...

Paying for College
Public Service Loan Forgiveness (PSLF)

Working in government service or for a non-profit organization might qualify you for the public service loan forgiveness program (PSLF). However, to fully qualify ...

Paying for College
Are Online Degrees Worth It?

In the fall of 2018, around 3.26 million students (16.6% of all U.S. higher education students) were enrolled in exclusive online education courses, according to the ...

Retirement
Retirement Tax Planning

Benjamin Franklin remarked, "Nothing is certain except death and taxes." Even today, this sentiment holds relevance. It underscores the importance of tax ...

Retirement
Researching Investments

Investments are intoxicating mixtures of risks with the potential for varying degrees of reward. Successful investors learn to balance the two to find a ...

Retirement
Factoring Family Into Your Retirement Plan

Retirement planning becomes significantly more challenging when you factor in family considerations. You'll have to account for the expenses of ...

Family Finances
Protecting Yourself On Social Media

Let's discuss the risks associated with social media use and explore ways to safeguard yourself and your loved ones on these platforms ...

Family Finances
Insuring Your Property

Insuring your property is necessary for proper maintenance as it protects your home and other possessions from theft or damage. Most banks and mortgage lenders require ...

Family Finances
Am I Being Phished?

Scams happen more often than you think, especially with modern-day technology. Now, you don't need to leave your home ...

Small Business
Direct Marketing Basics

Direct marketing is still effective. The hype and effectiveness of online contact get the most buzz ...

Small Business
Branding Your Business

An effective branding strategy makes your business stand out in a competitive marketplace. Online, it helps ...

Small Business
Affordable Marketing Strategies for Startups

Although running a startup business can be exciting, there is much strategic planning involved to get customers without ...