Interest rate is defined as the proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. Sometimes interest rates are so high that the amount you pay mostly covers the interest payments. Please know that you can work with your creditors and reduce their rates. […]

If you are an ordinary citizen, we are confident that you receive at least 2 letters per week offering you a 0% balance transfer for a certain number of months. We all wonder whether it would be a good choice or if there would be a catch somewhere. Well, it can be good and bad […]

Let's get this straight - We all make mistakes and that is human. However, what differentiates a successful person from others, is their ability to learn from mistakes and avoid them in the future.

Michelle came to us one day and she was well over her budget for the month. As usual eating out was her bank breaker.

Student debt has reached an astounding 1.3T, and many young graduates are struggling to make a living as a result.

Family Budget - How we hate that word! The initial thought that comes to us is one of RESTRICTION.

Financial Coaches are individuals who work with clients to change behavior with respect to money. Coaches are not counselors.

A credit report is a detailed report of a person's credit history. There are three credit bureaus in United States - namely Experian, Equifax and Transunion.

The purpose of buying insurance is to transfer the risk from us (the consumer) to the insuring agency. In case of auto insurance, it is quite tricky, as it’s a balance between being adequately covered vs. paying a high premium. Here are 12 steps to follow to buy auto insurance: 1) Learn the terms associated with […]

Recently we were with a client who was unhappy about the prohibitive cost of auto insurance. 87.4% of US drivers have auto insurance,and most of them share the same sentiments.