When is the Best Time to Start Saving for Retirement?

In short, now! Start saving for retirement as soon as possible. The earlier you begin to save money, the more that money is able to grow before you withdraw it from your retirement accounts. A small investment made today could yield a far greater return by the time retirement comes than a larger investment made closer to the deadline. This is due to a concept called the time value of money, which we will explore along with your options for investing in retirement. [Read more…]

Tips to Raise Your Credit: Part Two

A stack of credit cards that are all different colorsFear not, more credit raising tips have arrived. Your credit score is incredibly important, as it determines your approval for items like car loans, credit cards, and mortgages. Your score also influences the interest rates you’ll have to pay on those loans. If you’re looking to boost your score to a 700 or higher, follow these helpful tips. Also, if you missed the first round of credit advice, see Tips to Raise Your Credit: Part One. [Read more…]

Tips to Raise Your Credit: Part One

A close up of a red credit cardYour credit score is quite possibly the most important grade you’ll ever be given. Your rating determines your approval for things like car loans, credit cards, and mortgages. Beyond initial approval, the score influences the interest rate you’ll have to pay on those loans. A 700 or above is generally considered a good credit score. If you’re not at that level, or just want to shoot for the stars, see these tips for raising that number. [Read more…]

10 Tips to Prevent Chimney Fires

Chimney fires account for 75% of home heating fires according to Property Casualty 360. The U.S. Consumer Product Safety Commission’s report states that there were an estimated 22,300 fireplace and chimney fires annually from 2012-2014. These fires resulted in approximately 20 deaths, 60 nonfatal injuries, and $116.4 million in damages annually over that time. Luckily, there are simple steps we can all take to prevent these tragedies in our homes. [Read more…]

4 Rules for Sharing the Roads with Trucks

This time of the year brings a lot of traffic – it seems as though the roads become more populated every day. There are drivers rushing to get to work, those drivers tailgating the people taking a casual drive, and trucks carrying loads of inventory. Roads during the holidays are filled with trucks carrying gifts, food for grocery stores, or just more of their regular inventory. It is important that drivers in cars learn how to safely share the road with truck drivers. [Read more…]

Why Do You Need Car Insurance?

Getting in a car accident can be one of the most expensive events the average person will experience, and simply being a good driver can’t guarantee it won’t happen to you. Repair costs and medical bills often cut a little too deep into your wallet for comfort. Choosing not to protect yourself with insurance may save you a little money today but could seriously hurt you in the long run. Investing in auto insurance can assist you in paying for car repairs, recovering from injuries, and covering the costs of others if you are deemed liable for the accident.  [Read more…]