Consumers Are Getting Smarter About Credit Scores, but Remain in the Dark on Key Points

Americans have become more informed about certain aspects of their credit scores, but most still don’t know enough about the risks associated with low scores and alleged “credit repair” services, according to a recent report issued by the Consumer Federation of America (CFA) and VantageScore Solutions. For instance, consumers taking the CFA’s Credit Score Quiz this […]

Loans Now, Groans Later? You Could Regret Borrowing From Your Plan

While borrowing money from your retirement plan may sound appealing at first glance, what you need to recognize is that it could leave you with less money to live on in retirement. Certainly, with such a loan, your contributions are your own money, and you’ll be repaying yourself as you repay the loan. What could […]

Diversifying Outside of the Business: Strategies for Small-Business Owners

Small-business owners are especially vulnerable to a dangerous investment practice: under-diversification. For many, their business represents the lion’s share of their net worth. With fortunes riding largely on the success or failure of a single business in a single industry, business owners are exposed to heightened levels of investment risk. Recognizing that risk and understanding […]

Preventing Identity Theft

Millions of Americans fall victim to identity theft each year — and their financial losses are in the billions. In 2012, an estimated 16.6 million Americans experienced identity theft, causing losses of $24.7 billion.1 What can you do to help reduce your chances of having your identity stolen? The steps below can help you prevent […]

Give a Gift With Meaning and Worth

Description: Substantial gifts can result in gift taxes. Here’s how to give financial assets while reducing gift and estate taxes. Synopsis: Gifts of cash, investments, and other assets can offer benefits to you as well as your recipients. The IRS allows you to give up to $14,000 in 2015 ($28,000 for married couples) to as […]

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