A common phone call that new credit cardholders get from their bank is an offer for credit card add-on products, such as protection against fraud and identity theft. Payment protection is another service offered regularly, providing a monthly payment to the cardholders account if they lose their job or are sick in the hospital. Credit […]

Here are some tips for getting the highest ROI. Go Beyond Cosmetic Repairs Most homebuyers know to look beyond cosmetic damage. More importantly, theyll want to know that the major systems are in good working condition. Rethink Luxury Fixes If youre updating your kitchen or bathroom before listing your home, make sure you’re not going […]

Published with permission from RISMedia.

If you’ve recently moved into a new home, you might decide to change out the carpets in the house either to expose the wood flooring underneath or to add in a newer rug or carpet design. The challenge is, once you start ripping out the carpet, you’ll notice glue marks that are stuck due to […]

Ask any jeweler how much money you should spend on an engagement ring and theyll likely give you the jewelry industrys long-standing rule of thumb”three months salary. The average person spends about half that amount, according to Census data. The jewelry industry isnt recommending three months of pay after taxes, but three months of gross […]

An emergency fund should cover disasters such as a job loss, sudden illness, broken car or other catastrophe that can leave you without money or the means to work for a while. Knowing how much money to save depends on a few factors. Here are some to consider: InsuranceLife, health, auto and supplemental insurance should […]

Published with permission from RISMedia.

A debit card can be your worst enemy when it comes to identity fraud. Credit and debit card fraud totaled $4.5 billion in 2016, according to a report by iovation, a provider of digital intelligence for fraud prevention. A debit card can be a smart way to shop if you dont want to carry cash […]

Do you need to put down 20 percent to buy a house? Not necessarily. In fact, most buyers make lower down payments. But putting down 20 percent or more does come with major perks. A mortgage lender would consider you more financially stable and less risky. That means you wouldnt need to pay for private […]

When you move into a new house, there are numerous things youll want to do early on to get your house in live-in shape, and one thing you should think about early is setting up the surround sound system in your new home. Techies love this sort of stuff, but not everyone is adept at […]