Credit Management

Debt Weighs on You

By Ralph Bender, MBA, CFP®

The simple formula for getting wealthier is to spend less than earned and invest prudently.

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.

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.