How to Lower Your Car Insurance Premiums

How to Lower Your Car Insurance Premiums

Car insurance premiums can add up, but coverage is often required in most states. Depending on your state, you'll need to have a certain amount of liability insurance at minimum. This provides coverage to pay for the other person's vehicle or medical expenses if you...

What AI & ChatGPT Can’t Do

AI is here to stay, and it’s a pretty amazing tool! I know everyone has their own opinion, but I want business owners and entrepreneurs to start out with a clear understanding of what AI can and can’t do. So let’s talk about it.   I’ve been using AI for about two...

5 Banking Fees You Should Avoid Paying

5 Banking Fees You Should Avoid Paying

Did you know that 1 in 4 Americans with a checking account are paying banking fees costing an average of $24 per month? That's $288 per year which may not seem like much, but it's actually a lot to spend on fees. This money could probably be best used elsewhere in...

The Debt-to-Income Ratio Calculation

The Debt-to-Income Ratio Calculation

When you apply for a new loan, the lender looks at a few major factors to decide if you’re a good candidate. The first is your credit score and the second is your debt-to-income ratio (DTI). Your DTI tells lenders if you can afford the loan. If it’s too high, you’re...

Hosting A Holiday Party Without Going Broke! #MoneyChat

Hosting A Holiday Party Without Going Broke! #MoneyChat

A lot of times, we commit to something months in advance and then when it comes time to do it, we almost wish we hadn’t. This often happens with holiday parties. It sounds good in October when things are light and you are excited about the upcoming festivities, but as more and more piles on your plate, it seems daunting as party time gets closer.

Starting a Business with your Own Money

Starting a Business with your Own Money

You want to start a business, but need money, right? You can borrow and pay interest or you can start a business with your own money. There are advantages and disadvantages to using your own funds which we discuss here. Using your own money means you avoid interest –...

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When to Quit Your Job

Quitting your 9 to 5 job can be exciting and scary at the same time. You’re giving up something secure for a business that may or may not succeed. It’s a gamble, but it’s a gamble millions of people take every day. While the thought of leaving behind a stressful or...

7 Reasons Why Your Credit Score Might Have Decreased

Your credit score is a crucial part of your financial health, influencing everything from loan approvals to interest rates. If you've recently noticed a drop in your credit score, don't panic. Understanding the reasons behind a credit score decrease can help you take...