Build and keep a good credit score

Many people confuse credit scores with a credit report.  A credit score predicts how likely you are to pay back a loan on time.  Companies use a mathematical formula called a scoring model to create your credit score from the information in your credit report. These scores usually range from 300 to 850. Banks, credit …

How to prepare for changes in your financial situation

Today I offer advice to prepare for and respond to changes in your financial situation, especially for those of you that are receiving less income from not working, being laid off, or furloughed.  Look ahead – Often in life, we experience challenging times. To get through those tough times we need to believe that it …

Someone Stole Your Personal Information. Now what?

If someone stole your identity would you know what to do?  We’ve previously posted about protecting your identity after data breaches, but there are other ways for thieves to steal your personal and financial information, both in-person and online. Once identity thieves get your information, they can use it to make purchases, open credit cards, …

Open Enrollment: Don’t Forget To Check Your Beneficiaries

From time to time, we hear about situations when people unexpectantly pass and their life insurance benefits went to their mother and siblings, instead of their spouse and children.  The policy holder hadn’t updated their beneficiaries and their families were left with nothing. Beneficiaries are the people that you select to receive your money upon …

What To Do When Buying A House With A Septic System

It’s SepticSmart Week, so we’ll be discussing septic systems all… wait for it… week! Today’s post on septic systems is the second in a series about buying a house with a well and/or septic. Last week, when I mentioned that wells and septic systems are two of the most expensive appliances you’ll own, it’s particularly …

How to Protect Your Personal Information After a Data Breach

It seems like a new data breach occurs every week, making us worry about the safety of our information. Restaurants, retailers (brick and mortar, and online), apps, and even airlines have all been targets of data breaches within the past year. In 2017, Equifax estimated that the data breach of their systems could have affected …