Finance

Did you know that many people get hit with unexpected fees or miss signs of fraud simply because they don’t check their bank accounts regularly? According to the Office of the Comptroller of the Currency, identity theft and fraud can be avoided when you review your accounts often. Skipping this step could cost you money and peace of mind. But there’s good news. Reviewing your… Read More »Why Reviewing Your Bank Statement Each Month is a Smart Financial Move

Many writers dream of earning a living from their passion, but how much you make often depends on the path you choose. Self-published authors have the potential to earn 40% to 60% royalties on each book sold, giving them greater control over their profits. On the other hand, traditionally published authors typically earn 10% to 12% royalties but may benefit from the publisher’s resources for… Read More »Guide to Start Selling Your Short Stories & Maximize Your Income as a Writer

Establishing clear financial goals lays the groundwork for long-term success, turning dreams into achievable milestones. Whether it’s securing a home, building a retirement fund, or eliminating debt, well-defined goals create a roadmap that keeps you focused and driven. Understanding why goal setting is important in the financial planning process can help you create a clear roadmap for your financial future. The Purpose of Goal Setting… Read More »Goal Setting: Why It Matters In Financial Planning

When seeking financial assistance, you may come across two common options—grants and loans. While both provide funding, they work in very different ways. Knowing the differences can assist you in selecting the best option based on what you need. According to the U.S. Small Business Administration (SBA), 80% of small businesses use loans to fund their operations, while only 5% receive grants. This data shows… Read More »Grant vs. Loan: What Every Business Owner Should Know

Your home is more than just a place to live—it’s also a valuable financial asset. A home equity loan lets you access a portion of its value without selling. Many homeowners use these loans for significant expenses, such as home improvements, debt repayment, or emergency costs. When interest rates change or financial goals shift, refinancing may be a smart option. However, understanding the benefits, potential… Read More »Refinancing Home Equity Loan: Why You Should Consider It

Government and corporate bonds have been the backbone of income-focused portfolios for decades, offering stability and predictable returns. However, changing market conditions, including rising interest rates and inflation concerns, have prompted investors to explore alternatives to bonds in portfolios. Fixed-income alternative investments provide opportunities to diversify, reduce interest rate risk, and potentially earn better returns. The Need for Alternatives to Bonds in Portfolios Bonds have… Read More »Alternative Options to Consider for Fixed-Income Investments