Knowledge Center

Why we should start taking identity theft more seriously

By: David Lukić A lot of people hear about identity theft in the news but still fail to take it seriously. It is one of those things that people assume won’t happen to them, but in the modern age people have to be incredibly careful. What is Identity Theft and Online...

Your Budgeting Worksheet

With this easy to use DIY budget worksheet you can start tracking your earnings and your spending, be mindful about your money and make better decisions that will lead to financial stability. Start gaining control by routinely checking back on just that one spreadsheet…and the best part is that your privacy is protected since the budgeting spreadsheet resides in your drive, so you don’t have to share any information with anyone.

Education Tax Credits: AOTC

by Ann Garcia Currently two tax credits exist to help defray higher education expenses, the American Opportunity Tax Credit (AOTC) and the Lifetime Learning Credit. Each is slightly different but for most families, the AOTC is the most beneficial. . Eligibility is...

EFC Formula Guide 2020-2021 & FAFSA Basics

by Ann Garcia Last week, the Department of Education released the FAFSA Formula Guide for the coming FAFSA. Before I give you that link, I want to share some basics about the FAFSA. I’ll also break out each section of it in depth in the coming weeks– hopefully before...

Credit Card Finance Charge Calculator

Here’s how to get started taking control of your credit cards during the coronavirus. Put a list together of all your credit cards that have a balance due Document the balance of each card and its Annual Percentage Rate (APR) (the % of the interest you are charged for...

5 Quick Fixes for Your FICO Score

by Stacy Francis, CFP®, CDFAAn old friend - a real estate agent in the Midwest sent me an email this morning with a topic she suggested I post in my blog. With real estate prices at record lows, many aspiring homeowners are looking her up. Many fulfill both the down...