February 2018

Review of the myFICO 3-Bureau Report and Identity Theft Monitoring

Regularly monitoring your credit reports is crucial for maintaining a good credit score. However, it can be difficult to keep track of all your credit details when you have multiple credit cards, loans, and other financial information scattered across many different accounts. While some credit card companies report to one or two bureaus, other lenders might report to another bureau, which means there’s not much cohesion between your credit reports from TransUnion, Experian and Equifax sometimes. If you wished there was an easier way to keep track of your information coming and going from all 3 bureaus, then the myFICO Ultimate 3B ongoing report program might be a good fit for you. Get Your Credit Scores & Reports From All … Read more

5 Creative Ways Your Home Business Can Spend Less Money

by Collaborative Poster

Not Sure Which Business Is Right For You?

Restricting your spending is a good idea in all walks of life. But, it’s even more important when you have a home business to run. If your little company is spending all the money it makes, then what are you going to take home to the bank? You’ll never make an actual profit, and your small business will never have a chance to grow! So, keep a lock on your spending, and expect to see a massive difference in the overall success of your home business. The following points will talk about a plethora of ways in which you can do this. They’re all smart, they’re all savvy, and they all work. Start spending less today with these ideas: Learn … Read more

Taxes Are Changing – Find Out How You Can Save on Your Income Taxes

by Guest Contributor

With a stroke of a pen, the president signed the new tax reform law into existence. The law, which is formally known as the Tax Cuts and Jobs Act, takes effect on January 1, 2018. The act will mean millions of businesses and consumers will see their taxes change for the 2018 filing cycle. The law is widely known to reduce the corporate tax rate from 35 percent to 21 percent. Many individual income brackets change as well. So how can you save on your taxes for next year? How You Can Save on Taxes Standard Deduction Taxpayers have the option of either itemizing their taxes or taking the standard deduction. The standard deduction is the first few thousand dollars … Read more

Getting Back Your Money – How to Claim an Income Tax Refund

by Guest Contributor

When it comes to income taxes, many people experience confusion as it is not always an easy topic to understand. They don’t know how to claim an income tax refund. During the tax year, you may find that you have not paid enough income tax and that you, therefore, owe money to the government as a result of this. However, it also works the other way. You are eligible to receive an income tax refund when you have paid more tax to the government than your actual tax liability. In this article, I will talk about the basics of claiming a tax refund if you have overpaid. What you need to do if you believe you are due a refund … Read more

Should You Invest in Peer-to-Peer Student Lending?

by Hank Coleman

In wake of countless student loan myths appearing in media reports nowadays, it might seem like investing in a financial sector repeatedly referred to as a “crisis” or “bubble” would be a crazy idea. While it’s true that student loan debt is at an all-time high, with more than $1.3 trillion loans outstanding currently, this nevertheless represents an optimal chance for independent investors to invest in student loans by using peer-to-peer student lending. Peer-to-peer lending has become a favorable alternative for graduates and families struggling with student loan repayments, as these platforms offer great refinancing options that can lead to lower interest rates and payments on higher education debts. Since student loans cannot be discharged even in instances of bankruptcy, … Read more

Compare Equity Release – A Quick Overview for Homeowners

by Guest Contributor

12 Things You Should Know Before Buying A House

By the time you reach your middle to late 50s, you are likely to have made a considerable investment in your home – which hopefully represents a significant capital value in the equity you own. You might want to unlock that capital and put it to better use: to supplement or bolster your pension income after retirement; find an alternative to “downsizing”, without having to move home; if you are coming to the end of an interest-only mortgage, you might need the cash to make the final capital repayment; use the equity in your home to pay off other debts; or take the extended world cruise or holiday of a lifetime you had always promised yourself. These may be just … Read more