Tax Code Changes 2019

Personal Finances

The annual tax code changes can be confusing. No worries, though; we’ll walk you through everything you need to know for 2019. Though most changes won’t take effect until April 2019, some of them can impact the financial choices you’ll make this year. For that reason, here’s the details on the most important tax changes. 1.) Changes to the amounts …

Tax Scams 2019

Security and Scams

Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season. This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year. This is particularly disheartening since it comes on the heels of a steady decline in …

7 Reasons Not To Skip A Home Inspection

For the Home

A home inspection will set you back several hundred dollars, but it can easily save you thousands down the line. Before you officially become the new owner of the house, learn all you can about its general condition. Once you’re under contract, you’ll need to have your future home professionally inspected by a certified engineer or a licensed inspector. The …

The Ultimate Guide to Your First Apartment

For the Home

If you’re in the market for your first apartment, you may be feeling a little lost—and more than a little overwhelmed. How do you get started? What should you be looking for in an apartment? How do you check out a building? So many questions and we’ve got answers! Let us walk you through the apartment-hunting process from start to …

Why Do I Spend So Much When Shopping Online?

Personal Finances

Both online and in-store shopping can tempt you to overspend.  The internet is designed to help you lose track of your dollars.  Of course, the internet wins for convenience. Shopping the old-fashioned way, though, is not without merit. When purchasing items that need to fit right or that you may need immediately, you might want to head to the mall. …

6 Mistakes People Make In Their 20s And How To Fix Them

Personal Finances

Have the irresponsible financial decisions you’ve made while in your 20s left you with piles of debt and other repercussions? Here are six of the most common mistakes people make while in their 20s and how to fix them: 1.) The mistake: Racking up credit card debt When all of life’s pleasures are just a swipe away, it’s easy to …

Don’t Fall “Fur” Pet Scams

Security and Scams

Proceed with caution when purchasing a pet over the internet. If you’ve verified that everything checks out, and you’re careful throughout the process, you can have your new furry friend and your money, too. What are Pet Scams? Pet scams include nonexistent animals for sale by private “sellers” or bogus pet adoption websites promising adorable new pets at bargain prices. …

Help Protect Your Identity With a Free Credit Report Freeze

Security and Scams

Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the three major credit reporting agencies is now free. Previously, a consumer had to pay a fee to freeze and unfreeze their credit report. Freezing your credit reports makes it harder for criminals to …

The Holiday Shopping Season Has Begun! Plan Ahead With These Tips

Personal Finances

The holiday shopping season is here. Black Friday and Cyber Monday are no longer just one day. Many retailers, online and off, offer deals for several weeks leading up to Thanksgiving weekend and continue well into December. Before taking advantage of any “deals,” do your homework. Create a budget and stick with it. This will help you avoid going into …

How to Prepare Your Home for Winter

For the Home

Keep your home warm and safe this winter by following our comprehensive to-do list before the real cold sets in. 1. Seal your home Give your home a quick run-through, checking for drafts. You can do this by holding a lit candle near the following areas: Windows Doors Vents and fans Plumbing areas Air conditioners Mail chutes Electrical and gas …