How to Buy a Home with Bad Credit

How to Buy a Home with Bad Credit

When the Great Recession hit, a crisis in the housing market lead to tighter lending standards leaving millions of consumers out of the home buying process. Today, although the lending market has normalized, the economy remains unstable and many consumers struggle to put together a strong enough application for a loan approval. Read more

Guide to Keeping Information Private When Using Public Networks

With convenient access to Wi-Fi hot spots everywhere, most people jump on and off various public networks without ever thinking about online security. For example, you want to find a good cup of coffee, so you search for it online through your smartphone. Then you use Google Maps, which knows where you are, and can identify a coffee shop close by and then guide you there. Once in the shop, you jump onto your bank website to check your account balance before adding breakfast to your coffee purchase. You then pay with your phone without ever having to dig into your wallet. Read more

Understanding the Home Buying Process From Contract to Close

Understanding the Home Buying Process From Contract to Close

Purchasing a home is an exciting but sometimes overwhelming experience. It is likely the single largest purchase you will ever make, and because you buy homes infrequently, the process is foreign, even for repeat buyers. You can ease the arduous process of navigating the unfamiliar road of closing the deal, by understanding the process better. Read more

Financially Preparing for a Job or Career Change

Financially Preparing for a Job or Career Change

Re-directions in a job or career are more the norm than the exception in today’s working environment. Employees are less connected to their place of work which can result in employers feeling staff members are disposable. The result is a constantly rotating workforce instead of career employment and advancement. While many workers choose to leave a job or change careers for new opportunities, layoffs and other forced change are also common.   Read more

Understanding Your Financial Aid Award Letter

Understanding Your Financial Aid Award Letter

Tax season also means it is time to renew your FAFSA (Free Application for Federal Student Aid), which determines the amount of financial assistance college-bound students can receive. To win an award for federal aid, you must complete this one-page application each year you or your child attends college. The FAFSA opens the door to financial assistance in the form of grants, scholarships, and loans. Everyone should complete the required form, even if you do not believe you will qualify for need-based aid.    Read more