The Best Cash Back Credit Cards of 2019

We’ve analyzed dozens of cash rewards cards to create this list of the best cash back credit cards. These offers include cash back of up to 6%, double cash back rewards, and cards with cash back bonuses. Best Cash Back Credit Cards Chase Freedom Wells Fargo Cash Wise Visa® Card Capital One® Quicksilver® Cash Rewards […]

What is Debt to Income Ratio?

The debt-to-income ratio (DTI) is one of the essential ratios when applying for a mortgage. But many times, people are confused about how it’s calculated and why they should care about this number. We’re here to demystify this important ratio. A Basic Definition In simple terms, your debt-to-income ratio is the percentage of your monthly […]

Roth vs. Traditional IRA or 401k: The Math Behind This Important Decision

Roth IRA vs Traditional IRA vs 401k–here’s the math behind deciding which retirement account is best for you and your long-term financial success. It’s without a doubt the most frequent question I receive from readers of this blog. People want to know whether they should put their retirement savings in a Roth or traditional retirement […]

The Best 5-Year CD Rates in 2019

The best 5-year CD rates offer investors a good APY return, without risk so long as the bank is FDIC insured. We cover the best yields on long-term CDs. If you’ve taken a look at deposit interest rates lately, you’ll notice a trend over the past two years that simply cannot be broken. It seems […]

13 Gadgets That Can Cut Your Energy Costs By 30%

Did you know there are some very simple ways to conserve energy in your home by using just a few inexpensive gadgets? Check out this list of our favorites. The average household in the United States spends over $2,200 per year on energy bills, nearly half of which goes to heating and cooling, according to […]

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 […]