Credit Education

Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you will see lower interest rates on car loans, credit cards, and mortgages. Some employers and landlords even check credit reports before they make a job offer or approve a resident application.

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Not long ago, some poor soul suggested (and probably instantly regretted) the reason millennial’s can’t afford to buy homes is because they spend too much money on avocado toast. While the digital outcry from millennials was instantly indignant, that indigence may have been justified.

Home ownership is difficult to achieve if you belong to the generation with $1.4 trillion dollars in student loan debt. However, it isn’t impossible for millennials to achieve the quintessential American dream of home ownership. While the median home price is roughly 1000 percent higher than it was when our grandparents bought their first homes right out of high school or trade school 50 years ago, there are many ways millennials can prepare themselves for home ownership, and none of them involve selling a kidney.

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Traditionally, we’re told that it’s important to build credit, and that in order to do so, we need to get a credit card. But with no credit history, or with a poor credit history it’s usually difficult to get one. And if we can’t qualify for a regular unsecured card, then the only other options seem to be to apply for a secured card, or to become an authorized user on someone else’s account. But for some people who are strapped for cash, even the minimum deposit for a secured card – usually around $200 for most – can be difficult to meet. Or someone may not be willing to trust you to be an authorized user on their credit line. At that point, you may wonder what else you can do to build your credit. Luckily, there are other options out there that are not risky and don’t require a lot of cash up front. Read More

The time has finally come: you’re ready to retire. For many, this means living off savings or social security, but in reality, now that you’re unemployed it’s time you started making real money. Investing after retirement is a great way to continue making income, cover expenses in lieu of a regular paycheck, and stay plugged into the booming American economy. Read More

Traditionally, we’re told that it’s important to build credit, and that in order to do so, we need to get a credit card. But with no credit history, or with a poor credit history it’s usually difficult to get one. And if we can’t qualify for a regular unsecured card, then the only other options seem to be to apply for a secured card, or to become an authorized user on someone else’s account. But for some people who are strapped for cash, even the minimum deposit for a secured card – usually around $200 for most – can be difficult to meet. Or someone may not be willing to trust you to be an authorized user on their credit line. At that point, you may wonder what else you can do to build your credit. Luckily, there are other options out there that are not risky and don’t require a lot of cash up front. Read More