How to Get the Best Mortgage Rates

The Wall Street Journal had a report this weekend on how to snag the best mortgage rates. While some of the tips you’ve probably heard before, I thought it was still worth sharing. With rates at historic lows and real estate prices ready to rebound, it seemed like a good time to review the basics. […]


What BREXIT Means for Long Term Investors–Nothing

Yesterday Britain voted to leave the European Union. Called BREXIT, the vote sent stock markets into turmoil. As of this writing, markets are down as much as nearly 8%: FTSE 100 (London): -4.24% NIKKEI (Japan): -7.92% DAX (Germany): -7.22% HANG SENG (Hong Kong): -2.95% The U.S. futures are also lower, with the DOW down nearly […]


5% Cash Back Credit Cards

One of the highest cash back percentage you’ll find anywhere is five percent on select categories that change every three months. There are two major credit cards that offer 5% cash back: the Discover it® Card and the Chase Freedom Visa. These rotating categories are one of the reasons each of these cards made our list of the best […]


4 Budget Types and the Best Tools for Each One

Type ‘broke athletes’ into Google and you’ll see a hall of fame that no athlete wants to be in. For example, boxer Mike Tyson’s career earnings of $300 million were gone by the time he filed for bankruptcy in 2003. NBA star Jason Caffey, who earned $35 million, filed for bankruptcy in 2007. Footballer Warren Sapp […]


Social Security Contribution Limits for 2016

Each year we track changes in the social security tax contribution limits. This year, for the first time in five years, the income limit will not change. It rose from $117,000 in 2014 to last year’s $118,500, but will remain the same for 2016. In 2011 and 2012, employees were lucky enough to only pay […]


How to Make a 30-Year Mortgage Just as Smart as a 15-Year

Taking out a mortgage is one of the biggest financial commitments you’ll ever make. It gives you the means to own your own home, but it’s also a decision you have to stick with for years. Some people call it “good” debt because it could increase your net worth. That said, it’s still debt, which […]