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How Much Life Insurance Do You Really Need?

When my wife and I first had children, one of the big questions I asked was a familiar one: How much life insurance do I need? While nobody likes to think of their own demise, it’s prudent to consider what financial ramifications your death could have on those you leave behind. It gives me tremendous […]

How Does Debt Consolidation Affect Your FICO Score?

In its most general definition, debt consolidation is when a company or individual takes out one larger debt in order to pay off several smaller ones. A company might do this if it took out several small loans to finance growth and now finds interest rates lower than they were for the original loans. Most […]

Applying the Four Agreements To Your Life

If you’ve ever read Don Miguel Ruiz’s book, The Four Agreements: A Practical Guide to Personal Freedom, you’ll understand the basic concept to living a happy life comes in four principles that a person must adopt. These four agreements are meant to be made with yourself and help guide your life in the direction of […]

What is Tax Form 1040 Schedule D?

If you’re a homeowner who might soon sell a home or an investor with money in stocks, bonds, or real estate, you’ll need to be familiar with tax form Schedule D. Tax form 1040 Schedule D is used to report capital gains for the purpose of income tax. A capital gain is any profit made […]

Don’t Be Afraid of Balance Transfers

About six months ago, a friend of mine asked me if he should do a balance transfer. At the time, he had $3,000 of credit card debt and was paying 16% interest. I asked him how long he would need to repay it. He said six months at most, maybe three if he really pushed […]