Credit and Loans, how do they work? Credit works by adding up your payments, your debts, and leveling that against things like your assets and your accounts. There are tons of other factors that go into credit. But that credit score is then used to help leverage better rates on […]

Credit and Loans, how do they work?

Can Owning A Dog Prolong Your Life? Owning a pet is one of the most rewarding things we can do as humans. It’s as if they will never get mad at us, no matter what we do wrong. The same goes for most of us, for me, it’s hard for […]

Can Owning A Dog Prolong your life?

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Spending two hours outdoors and the Health benefits Two hours outdoors every week. This is the exact amount of time we need to spend outside to improve our health. This is according to a recent study published in the journal Scientific Reports. We all know that spending time outdoors is […]

Health benefits after just two hours outdoors

waking up
Do 8 hours a day keep the doctor away? In some cases, a good night’s sleep can lower medical costs. More than 18 million Americans suffer from sleep apnea. This disorder is an involuntary cessation of breathing while sleeping, causing further health issues. One company experimented with how they could […]

Can a Good Night’s Sleep Lower Medical Costs?

Influenza take over is still among us, only this time around it’s the B strain taking the lead. Although reports show that the first week of the new year didn’t show high numbers of flu cases, there’s no cause for celebration. This drop in confirmed cases still leaves us at […]

Influenza Take Over

What is the ability-to-repay rule? “The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan,” states Consumer Finance Protection Bureau. The rule is important because it helps determine if you can afford to pay […]

What is the ability-to-repay rule?

Personal Finances Having strong personal finances is extremely important. If you have a strong understanding of Personal Fiances and how they work you can have a strong and fruitful financial future. There are a lot of steps to have a strong and fruitful financial future. Here are some tips! Budgeting […]

Personal Finances

What is a Qualified Mortgage? There are Qualified Mortgages and unqualified Mortgages. “A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan.” states the Consumer Financial Protection Bureau. A Qualified Mortgage is […]

What is a Qualified Mortgage?

Should you save money or Pay off High-Interest credit card debt? The answer to this is simple. Any credit card debt that is higher than your savings interest rate needs to be paid off in full before you begin saving. Otherwise, all the money you have saved up and all […]

Save Money or Pay off credit card debt?

What is Money? I’m sure everyone knows that money is the currency of a country. Whatever form, digital, physical, or even gold and silver. Money seems to have this way with our society to where its glorified. But in school, you’re never really taught how you should spend and use […]

What is Money?