Debt Weighs on You
By Ralph Bender, MBA, CFP®
The simple formula for getting wealthier is to spend less than earned and invest prudently.
Focus on the Long Run
Credit Management
How do I improve my credit score?
By Ralph Bender, MBA, CFP®
Credit scores attempt to indicate how a consumer uses credit. More importantly, they suggest the likelihood that money loaned will get repaid according to the terms agreed upon when borrowed.
Locking the doors after everything is taken; advice about freezing your credit
By Ralph Bender, MBA, CFP®
The bad guys already have your name, Social Security Number, birth date, address and possibly even your driver’s license number.
Lessons from the Game of Risk
By Ralph Bender, MBA, CFP®
To accomplish any goal in life, especially financial goals, there needs to be some concentrated effort to get started, moving in the right direction.
That New Car Smell
By Ralph Bender, MBA, CFP®
Light vehicle sales have been constantly improving since the recession ended nearly six years ago, with annualized sales volume surpassing the 20 year average of 15.5 million vehicles about two years ago.
5 Things You Need to Know to Avoid ‘Interest Free’ Traps
By Ralph Bender, MBA, CFP®
When purchasing on credit, always anticipate paying interest (cost of money) on the money borrowed. In the current economy, interest rates are unusually low.
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