Winterize Now For a Cozy December

Posted by Richard on October 11, 2021

Here’s how to stay warm this winter and save on heating and repair costs. Your home’s exterior: Clean the gutters so ice dams don’t form and cause damage. Replace cracked caulk around roof vents and around the chimney. Install a chimney cap to keep critters and objects from dropping in. A cap will also keep […]

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The Impact Of Inflation

Posted by Richard on

Suppose it is 1950. You have $5 in your pocket and you have to buy groceries. You’ve got plenty: Gallon of milk: 83 cents Dozen eggs: 60 cents Loaf of bread: 30 cents Chopped beef: 53 cents Frozen green beans: 24 cents Apples: 39 cents Peanut butter: 29 cents 5lbs potatoes: 26 cents 3 lbs. […]

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Ransomware Attacks Disrupt Key Infrastructure

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Ransomware continues to be a plague on private and governmental operations, even threatening health care. According to HIPAA Journal, ransomware attacks cost the American healthcare system roughly $21 billion in 2020, with attacks on at least 91 organizations. Attackers hit just 50 organizations in 2019. Attackers have also hit energy companies, local governments and various […]

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Where Can I Find A Down Payment For A New Home?

Posted by Richard on

We really want to buy a house, but we are struggling to come up with a down payment. Any ideas? If you have a regular work history, a reasonable credit score and modest debt, chances are good that you can qualify for a mortgage. The key is often the down payment, thought to be the […]

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Should You Pay Cash Or Finance A New House?

Posted by Richard on September 8, 2021

We are going to sell. Should we pay cash or finance at least part of the new house? Your decision depends on your financial and life circumstances. If you are retired and the kids are gone, you might be one of the millions of people who want to downsize. When you bought your last house, […]

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How To Buy A Small Business

Posted by Richard on

Business ownership is a dream for many people, and an alternative to starting from scratch is to buy an existing business. But where to begin? First, with loads of due diligence. The more preparation, the better. Your prep work starts with an honest look at your own experience, lifestyle and desires to figure out what […]

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Mobile Wallets Soar In Popularity

Posted by Richard on

Cash may be king, but cashless transactions are usurping the throne. Cashless transactions had long been gaining momentum and only got more popular during the pandemic, when many businesses and customers shied away from handling paper money and coins. The website Trading Platforms said the digital or mobile wallet payments were the most used point […]

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The Future Of Student Loan Payments

Posted by Richard on

This month, after an 18-month suspension of student loan payments, millions are poised to make their next payment in October. Congress suspended federal student loan payments as part of the first pandemic relief package. Interest was frozen and collections stopped. At the same time, millions of student loan borrowers are praying loans will again be […]

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Should I Sell My Rentals In A Hot Market?

Posted by Richard on August 3, 2021

It has been a blazing hot real estate market lately, with a shortage of available houses for sale and new construction too pricey (think lumber prices, tariffs, and other factors) to keep up. The demand for rentals has also skyrocketed in most places and with it, rental rates. With rental units so desirable, does that […]

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Farewell To Overdraft Charges

Posted by Richard on

When they debuted nearly 30 years ago, overdraft charges were meant to provide a cushion for consumers who accidentally withdrew more money than was available in their bank accounts. The bank would cover the deficit and charge the customer a fee to do so, and the customer would avoid bouncing checks or being declined at […]

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