The U.S. Supreme Court is always busy making decisions that affect many people. Rulings made in recent days will impact a lot more with regard to their personal finances. Three of these decisions could affect many more people, particularly those with bank accounts, past-due mortgage payments, and student loans. Permission Is Not Needed to Look…
How Recent Supreme Court Rulings Can Affect Your Personal Finances
July 24, 2023
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How Recent Supreme Court Rulings Can Affect Your Pocket
July 24, 2023
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BrightbudgetingDebt ManagementEstatehome equity theftIRSpersonal financePolicies & Impactsstudent loanSupreme CourttaxUSWealth Management
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The U.S. Supreme Court is always busy making decisions that affect many people. Rulings made in recent days will impact a lot more with regard to their personal finances. Three of these decisions could affect many more people, particularly those with bank accounts, past-due mortgage payments, and student loans. Permission Is Not Needed to Look…
Get Headed Down a Debt-End Course
Facing your debts can be depressing for several reasons. First, all the stuff that caused the debt is not so wonderful and new as it used to be. And the interest rates … Yikes! But the worst, the all-time most horrible thing about facing debt is the realization that given the present rate of repayment,…
It’s Almost Time to Resume Student Loan Payments. Not Doing so Could Cost You
NEW YORK—After three years, the pandemic-era freeze on student loan payments will end in late August. It might seem tempting to just keep not making payments, but the consequences can be severe, including a hit to your credit score and exclusion from future aid and benefits. More than 40 million Americans will have to start…
How One Bad Financial Mistake Cost Me 7 Years Retiring Early, Guaranteed You’re Making It Now
June 7, 2023
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According to the Employee Benefit Research Institute, only 33 percent of Americans feel confident about retiring comfortably. Many individuals and families struggle to secure their financial future, making it essential to be aware of the pitfalls and mistakes that can derail your retirement plans. My story began when I was 25, fresh out of college,…
Pay Down, or Pay Ahead? It Can Be Confusing
Years ago, I learned a lesson I won’t have to learn again. It was that poignant. It was during a time when mortgage interest rates took a nosedive and we benefited by refinancing our high-rate mortgage. The transaction closed in late August with the first payment due in October. Rather than take a month off…
3 Signs You May Need a Credit Card Hiatus
When your finances start to spiral and it becomes increasingly difficult to keep up with credit card payments or build toward financial goals, switching your payment method temporarily to cash or debit could help. Spending with credit cards can stimulate the brain’s reward center and drive you to make more purchases, according to a recent…
What’s the Deal With Jumbo Loans
May 26, 2023
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One of the reasons that First Federal Bank failed was the abundance of low-interest jumbo loans they had outstanding. Jumbo loans or mortgages are riskier for banks to make. But what are jumbo loans, and why are they risky? They may have been popular with the recently failed banks, but are they still common with…
How to Lower Your Personal Loan Payments
By Baruch Mann (Silvermann) Personal loans are a great way to access funds for various business purposes, but if the payments are too high, they can become a burden on your cash flow. With rates increasing, you may find that your personal loan repayments have become more expensive. Whether you have just one personal loan…
Payday Loans Often Come With a Higher Price Than You Want to Pay
One of the easiest ways to get money when you need it right away is to get a payday loan. These loans are available in most places—and online—and they usually advertise how easy it would be to get one. A huge problem with these loans is that they often become debt traps for borrowers. Payday…
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