Millennials Become Buyers As Market Normalizes

Posted by Richard on February 12, 2019

Eleven years after the real estate crash that triggered a recession, there’s good news: the market appears to have normalized in recent years. Sales prices have rebounded but are not extreme, and loans are more readily available than in those first few panic-stricken years. Meanwhile, the Millennial generation (ages 22 to 36), are aging into […]

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Is Debt Consolidation Wise?

Posted by Richard on

According to ConsumerCredit.com, people thinking about consolidating debts often have one question: Is debt consolidation wise or not? The answer is maybe. As one might expect, the wisdom of debt consolidation depends on several factors: – The interest rate on the new loan. – The consumer’s goal in taking out the new loan. – The […]

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Beware of Ransomware: It’s Alive and Well

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Ransomware has mostly faded from the headlines since WannaCry and NotPetya wreaked havoc across the globe in 2017. The attacks sparked so much alarm that more people than ever are backing up their files, which effectively deadens a ransomware attack. Even so, too many of us have short memories and, as WannaCry’s sobbing fades into […]

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Some Dos And Don’ts About Ransomware

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In recent years, ransomware has become one of the most treacherous security challenges on the web. A form of malicious software (malware), ransomware is used by cybercriminals to encrypt documents on a PC, then demand a person like you or a company of any dimension to pay a few hundred or hundreds of thousands of […]

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The difference Between An Emergency and A Surprise

Posted by Richard on January 15, 2019

Let’s talk emergency funds. Most money management experts say one of the first things you have to do is build an emergency fund. Usually the number they come up with is astronomical. You might think if you really tried to save that much, everything else in your budget would be an emergency. But, of course, […]

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Assessed Value Versus Appraised Value

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One of the trickiest distinctions for homeowners and would-be buyers alike is the difference between a property’s assessed value and its appraised value. It likely doesn’t help that the two words are so similar, but don’t be fooled — they are two very different values. One (assessment) is the amount that’s used by a municipality […]

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Social Media Has Changed Buyers and Salespeople

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The world’s leading research and advisory company, Gartner, Inc., declared in 2011 that by 2020 customers will manage 85 percent of their buying without interacting with a human. That leaves us one year. Is it happening? According to the sales experts at Accent Technologies, it hasn’t happened quite yet, but it’s on the way, especially […]

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Password Managers Ease Confusion, Beef Up Security

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A scary-sounding headline in the Washington Post declared: Your password has probably been stolen. Here’s what to do about it. As much as we become numb to the latest data breaches, the reality is that it has quite likely affected every one of us in some way. One effective way to combat that threat is […]

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Use Your Checking Account Wisely? Your Credit Score Could Now Go Up

Posted by Richard on December 5, 2018

This year, people who wisely manage their checking accounts could see an increase in their credit scores. The new UltraFICO credit score will let some consumers offer their banking activity as proof that they are credit worthy. A credit score has never been based on income. A person who makes $20,000 per year — and […]

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Tax Moves To Make Before Year-End

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As April’s tax deadline looms, there are some things you can do before Dec. 31 to cut your tax bill. First, use any extra money to make a final contribution to an IRA or 401k. This makes a tidy deduction in taxable income. In 2018, those limits are $5,500 and $18,500, respectively. Don’t forget that […]

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