Mistakes on your tax return could lead to an audit

You’re not alone if your heart pounds when you see a letter from the Internal Revenue Service in your mailbox. While some lucky filers get sent a letter because they’re due a larger refund, most of us fear the worst – an audit. Those fears may be largely unfounded for the average household. Only about […]

Refinancing debt could be a good idea

Have you ever considered how lenders compare applicants? Typically, the lowest rate goes to those who have the highest likelihood of repaying the loan on time. A lot of data goes into determining that probability, including the person’s credit, income and outstanding debt. As these factors improve, the terms on new loans might improve as […]

Some couples invest in their future in ways other than a diamond ring

What does an engagement ring look like? For many people, my wife included, the answer is a diamond ring. While that’s a concept that didn’t become widely accepted until the diamond industry’s marketing campaigns in the mid-1900s, it’s one that holds strong today. However, some couples are going in an alternative direction. The intention isn’t to be […]

Prepare your budget for closing costs when buying a home

Imagine the frustration that would follow if you spent hours planning and narrowing in on a dream home only to find out that you can’t afford it when push comes to shove. Starting with a price range can help you make the most of your search, but you’ll need to account for closing costs to […]