When You’re Discouraged About Finances, What Helps the Most?

When You’re Discouraged About Finances, What Can You Do?
Smart Quiz: When You're Discouraged About Finances, What Helps the Most? Save More Spend Some Make a Plan Set Goals Answer: Set Goals From the kid with a $5 allowance to the retiree who dreams of spending their winters on a cruise ship, feeling discouraged about finances is real. It causes a deep sense of depletion, exhaustion and often self-doubt. Fortunately, with a...

What is the Absolute Greatest Threat to Your Financial Health?

What is the Absolute Greatest Threat to Your Financial Health?
Smart Quiz: What is the Absolute Greatest Threat to Your Financial Health? a. Over Spending b. Health Decline c. Bad Investments d. The Economy Answer: Health Decline Routine medical check-ups and prescriptions for everyday ailments can put a dent in just about anyone’s wallet. A true medical emergency or sudden serious illness can very quickly deplete your savings and even wipe you out financially! The...

If You Die Without a Valid Will, Your Estate Will Be Settled By…

If You Die Without a Valid Will, Your Estate Will Be Settled By…
Smart Quiz: If You Die Without a Valid Will, Your Estate Will Be Settled By... a. A Spouse b. An Eldest Child c. An Administrator d. Family Lawyer Answer: An Administrator Six out of 10 Americans don’t have a will. Are you one of them? In the event a person dies without a will, a state judge will appoint an administrator to handle the estate. Having a...

For a Will to be Valid, What Legal Entity Must be Hired to Create it?

For a Will to be Valid, What Legal Entity Must be Hired to Create it?
Smart Quiz: For a Will to be Valid, What Legal Entity do you Have to Hire to Create it? >> a. Legal Zoom b. A Lawyer c. A Judge d. Not Any Answer: Not Any While emotions may run high during the process, creating a will doesn’t need to be complicated or expensive. Many people believe that for a will to be valid, it has...

How Homeowners Can Cash Out Monthly Without Ever Selling or Going Into Debt

What Financial Tool Can Increase Your Monthly Cash Flow without a Side Job or Change in Benefits?
Smart Quiz: How Can Homeowners Cash Out Monthly Without Ever Selling or Going Into Debt? Answer: Reverse Mortgage a. Home Refinancing b. Reverse Mortgage c. Loan Extension d. Payment Forgiveness Answer: Reverse Mortgage Finances don’t always work out as planned. In spite of your best planning, sometimes there’s too much month left at the end of the money. A reverse mortgage can mean some extra cash,...

What’s the LEAST Important Thing to Look for in an Investment?

What’s the LEAST important thing to look for in an investment?
Answer: Safety If there’s a Holy Grail in the finance game, it’s the idea of a safe investment – a way to deploy your money that will give you a worthwhile return without exposing it to danger. The problem is, there’s no such thing as a safe investment. Any investment involves at least some risk – even a savings account...

Which Government Program Can Reduce Your Mortgage by $3,000?

Which Government Program Can Reduce Your Mortgage by $3,000?
Smart Quiz! Which Government Program Can Reduce Your Mortgage by $3,000? Answer: HARP You don't have to be a senior to take advantage of the HARP program but seniors with limited income and limited equity in their home may find it particularly attractive. Anyone whose home may have declined in value since their purchase, may find that refinancing through HARP is their...

7 Unexpected and Costly Life Expenses

7 Unexpected and Costly Life Expenses
Life has a way of making, er, life, difficult. Just when you think you have everything under control and you’ve gotten the hang of “adulting” (especially when it comes to your finances), something crops up and demands more of your money than you have. This is exactly what leads many Americans to take out costly credit cards and loans,...

How to Create a Budget

How to Create a Budget
Creating a budget may seem like a daunting task, but it offers a great option for keeping your finances in order on a regular basis, planning ahead and knowing exactly where you stand at a glance. You’ll need your current bills, a spreadsheet or notebook and income information. We’ve provided a basic spreadsheet to get you started. Decide On a...

Simplify Life with Automation

Simplify Life with Automation
One of the reasons that it is sometimes hard to stick to a budget is that you have access to the money. It’s tempting to spend what’s in your hand, especially after a long week of work. Thankfully, technology has come a long way and you have the ability to avoid this situation completely. Direct Deposit Direct deposit certainly makes life...

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Best Loans for Credit Repair

Best Loans for Credit Repair

It’s never easy to get a great loan with low interest when you have bad credit, but it is necessary to get some sort...