By Steve Rosen From Tribune Content Agency The biggest traffic jam in my community occurs like clockwork every fall in late October. That’s when hundreds of high school students and parents descend upon a local high school for a college clinic night. It’s an opportunity to meet face to face with college admissions recruiters from…
6 Tips You Can Use to Help Improve Your Credit Score
Credit scores are complicated and because rating agencies consider many factors, the process of improving them can look different for everyone. When Willard Carpenter, 68, wanted a loan to open a new business, he realized that his credit score was not high enough to get approved. After checking his credit history, he found several issues…
12 Ways You Are Sabotaging Your Retirement
One of the most significant and confusing parts of being an adult is planning for retirement. Retirement savings and concerns are regularly-talked about issues in the news, and, frankly, the talk is not often brimming with encouraging updates. In truth, most Americans aren’t anywhere near as on track for retirement as they think they are….
You’re an Entrepreneur With a New Business. When Should You Start Paying Yourself a Salary?
By Kathleen Furore From Tribune Content Agency Several people I know have decided to turn their entrepreneurial dreams into reality and have launched small companies—some alone, some with one or two business partners. Most aren’t taking a salary. What should entrepreneurs who are principal owners of a new business venture consider before they start paying…
10 Ways to Make Six Figures as a Freelance Writer
Early this week, we had a cold front sweep through my neck of the woods. And I’m not going to lie. The last thing I wanted to do was step outside. It was cool and grey. But, overall, it was just one of those where you just wanted to bundle and sip on a warm…
How to Shop for a Low Mortgage Rate
October 21, 2022
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By Daniel Bortz From Kiplinger’s Personal Finance Looking to purchase a home in this market? Take these steps to qualify for the best mortgage rates. Increase your down payment To qualify for the lowest rates on a conventional loan backed by Fannie Mae or Freddie Mac—the nation’s two largest mortgage buyers—you’ll need a 20 percent…
Bracing for a Recession: What Businesses Can Do to Weather an Economic Downturn
The last time the United States (and, by extension, the world) faced a major recession back in 2007. By the time economists called an end to the Great Recession, in June 2009, U.S. real Gross Domestic Product (GDP) had tumbled by 4.3-percent since its peak in Q4-2007. Unemployment was at 5-percent in Q4-2007, and rose…
What to Do If Your Credit Card Account Is Closed
By Rivan V. Stinson From Kiplinger’s Personal Finance Question: My credit card company closed my account for “inactivity.” Is there a way to get my card reinstated? Answer: Credit card issuers can close your account due to what’s known as “inactivity,” meaning you haven’t used the card in a certain amount of time—let’s say a…
8 Leadership Books That Will Help Make You Money in 2023
The pandemic forced most businesses to make rapid strategic shifts. Those in leadership who successfully navigated the brief but deep early-pandemic recession made themselves more resilient to fiscal shocks by running leaner and focusing on the core product or service lines. Today, the global economy is faltering again. This additional wobble is partly due to…
Reality vs. Perception Makes My Head Hurt
Had it not been required to graduate, I would never have taken the class titled simply: Philosophy. Abstract thinking makes my head hurt. That’s why I felt a headache coming on when I heard television psychologist Dr. Phil say on his show, “There is no reality, only perception.” In a flash I was back in…
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