If you are considering applying for a major line of credit, one thing you should be doing in the weeks and months leading up to that application is using credit resources to improve your credit and keep track of it. I’ve found that it does NOT pay to be in the dark about your credit scores or the contents of your credit report. Why? Because you want to see what your loan officer will see BEFORE she does. You need to think like a lender to make … [Read more...]
What Makes a Costco Executive Membership Worth It?
What makes a Costco executive membership worth it? Naturally much depends on how much you plan to use your Costco membership, but there are other factors to consider. Do you want loyalty program-type rewards for using your membership? Are you hoping to get perks on your travel purchases? Do you like other rewards like discounts or special access to identity protection or similar incentives? Do You Need A Costco Executive Membership? The … [Read more...]
Plan Your Way To Smarter Spending And Saving
I remember feeling stuck in various financial situations in life that required me to get creative with my finances. It's never easy to admit you need to quit spending, start saving and adding some financial responsibility to my weekly routines. The hardest part of that journey is just getting started sometimes. Do you need to plan your way to smarter spending and saving? Here are some tips that can help you get control of your income, curb … [Read more...]
How to Protect Your Assets From Lawsuits
Do you need to know how to protect assets from a lawsuit? There are many things to keep in mind about asset protection--the most important being that state law is a huge factor--what is possible in some states may not work in others depending on things like community property laws (which govern how debts in a legal marriage are divided up in a divorce), real estate and probate law, etc. The advice below isn't related to mortgage or asset … [Read more...]
Do You Have Coronavirus Credit Problems?
Are you worried about your finances? Has the idea of a coronavirus credit score hit been keeping you up at night? Millions of Americans have been affected by COVID-19 and millions more will experience economic hardship in some form in the wake of massive shutdowns of the U.S. economy. While some fail to grasp the need for social distancing, extreme caution, and a need to think of others ahead of oneself, the realities of the coronavirus … [Read more...]