Resource Articles

What Is A FICO Score and Why Is It Important?

Your FICO score is crucial, influencing financial opportunities. Understand its key factors, payment history, debt, and credit mix, and monitor it regularly.

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When Should You Dip into Your Emergency Fund?

An emergency fund is for unexpected, essential, and urgent expenses, like job loss or car repairs, not for planned or non-critical purchases.

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Calculating College Costs

In calculating the financial feasibility of college, be sure to take into account both direct and indirect costs, as well as eligibility for student loans or scholarships.

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Creditworthiness

The length of your credit history, paying bills on time, and your credit utilization ratio can all impact your creditworthiness and financial well-being.

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Health Savings Accounts: A Sensible Solution for High Healthcare Costs

HSAs offer tax advantages, lower premiums, and flexibility, making them a smart solution for managing rising healthcare costs.

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Managing Unexpected Expenses

Natural disasters remind us to prepare for the unexpected with contingency plans, such as building an emergency fund, reducing expenses, and reviewing insurance coverage.

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Should Money be the Only Factor in Choosing Early Retirement?

Thinking about early retirement? It's about more than money. Consider your health, quality of life, and passions to ensure a fulfilling new chapter.

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Rising Cost of Living

Despite lower inflation rates, the cost of living remains high, necessitating the need to cut costs, such as energy use, transportation, restaurant meals, and entertainment.

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Strategies for Funding Long-Term Care Insurance

Planning early for long-term care, with options like insurance, savings, and HSAs, can help mitigate the high costs and secure future financial stability.

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