7 Ways to Avoid Phone Scams

Millions of Americans are targeted by phone scams everyday. Robocallers have a variety of extremely convincing schemes they use to trick consumers out of money and personal information. Here are some tips to avoid phone scams no matter what tactics the scammers use. Be skeptical of all unsolicited calls, especially calls asking you for money … Read more

Essential Tips for Loaning Money to Friends and Family

handshake-friend-family-lend1.jpg

Some people say you should never loan money to a friend or family member. Money tends to complicate relationships, particularly if the borrower doesn’t pay you back as agreed. It’s easy to set a rule that you’ll never loan money to people you know, but it’s just as hard to watch someone close to you suffer financially, especially … Read more

Debit or Credit? 3 Reasons to Choose Debit

debit-or-credit1.jpg

As you compare your debit card and credit card, you have a big decision to make. Which one will you turn to when it’s time to make a purchase? While your credit card may seem like the better option, thanks to the ability to earn rewards and build credit, there are times when it’s better … Read more

7 Rules for Dealing With a Pay Cut

dealing-with-a-pay-cut1.jpg

We want to make more money in our careers, not less. Unfortunately, there may be instances where you have to deal with a pay cut. Your job may have to cut wages to stay in business, your commission may be lower, your own business may suffer a loss of revenue, or you could decide to take … Read more

5 Tips for Negotiating a Medical Bill

medical-bill-overdue1.jpg

It’s bad enough that you had to visit the doctor, hospital, or another medical facility. It’s even worse if you receive a bill, showing that you owe hundreds or maybe even thousands of dollars. If you find yourself in this position, you have a couple of options: •    Pay the bill in full.•    Contact the … Read more

Best Ways to Save a Tax Refund

tax-refund_20160423-015427_1.jpg

So, you have a tax refund coming your way? Or maybe you already received this money from the IRS, state, and/or local tax authority. In this case, you have a big decision: what will you do with the money? While some people immediately spend the money, others realize that it’s probably in their best interest … Read more

Taxes Due April 18th This Year

irs-tax-deadline1.jpg

The IRS estimates that approximately 10 million taxpayers wait until the last days before the deadline and millions more will request an extension. If you haven’t filed yet, you may be relieved to hear that this year tax returns are due on April 18th instead of the usual deadline of April 15th due to the … Read more