• Important Points To Consider Before Agreeing To Post A Friend's Bail Bond

    In many instances, friendship is measured by whether or not you can depend on someone to have your back in times of trouble, as you would also have theirs. However, when the phone rings late at night and the caller is a friend who has just been arrested for driving under the influence, for example, posting their bond may end up straining the friendship instead of helping.  If you have just been asked to post a bail bond for a friend charged with DUI, here are some important points to consider before you agree to their request. [Read More]

  • 3 Ways to Increase the Market Value of Your Gold Jewelry

    Whether you plan on selling the 19th-century gold pendant inherited from your grandmother or the boho-chic gold earrings handcrafted by the now-famous designer, record gold prices make it a good time to sell your gold jewelry. Although the gold jewelry market supply is high, when gold prices soar, investors inevitably start clamoring for the physical asset.  Having your jewelry certified by an appraiser who is an accredited member of the National Association of Jewelry Appraisers will raise its value. [Read More]

  • 3 Things A Lender Will Consider When You Apply For A Farm Or Ranch Loan

    Farm and ranch loans are a bit different than your typical commercial loan, and they are even more different from a basic residential property loan. If you are intending to buy a property that will be used for farming or ranching purposes, it is helpful if you understand what the lender will be looking at when you apply for a loan.  They will look at if the land has the potential to be good for agricultural purposes. [Read More]

  • 4 Essentials To Consider When Buying Term Life Insurance

    Individual life insurance falls into two main categories — term and whole. With whole life insurance, you build up equity in the policy which you can often cash out while you're still living, but in exchange for that advantage, these policies tend to have higher premiums. With term life insurance, your premiums are locked in for the term of the policy, and although these policies don't build up equity, they tend to offer higher settlements for lower premiums. [Read More]

  • Tax Facts You Should Know As A Freelancer

    When you decide to start working freelance, you will have a lot on your mind and on your plate. One aspect of being a freelancer that you may not have thought about is your taxes. Tax return filing can be a bit more complicated when you are self-employed, and it is important to know as many of the facts about taxes and freelancing as possible. Once you know some of these facts, you will be better able to manage your self-employment finances going forward. [Read More]

  • Dos And Don'ts Of Home And Car Buying With Student Debt

    Student loans are a major burden to most millennials, but yours shouldn't prevent you from getting a car or a home. Many times, a bank will see your loan as a massive amount of debt, especially if your loan was large and your income is low to moderate. If you plan carefully and are good with your money, then you should be able to secure a loan at a decent interest rate. [Read More]

  • A Guide To Getting Bailed Out Of Jail

    When you get put in handcuffs and thrown in jail, all you want is your freedom. This will happen when you handle the details that come will assist you in that regard. First of all, it is important to look for a bail bond arrangement that will pay for your freedom. It is important that you reach out to a bail bondsman that you trust to secure the arrangement and in a timely manner. [Read More]

  • 3 Ways That Having A Credit Card Can Improve Your Life

    You might think of bad things like debt when you think about credit cards, and it's no secret that people can get themselves into trouble when using credit cards rather than paying for things with cash or a debit card. However, if you choose to use a credit card responsibly, it can actually improve your life in several ways, including the ways listed below. 1. Be Prepared for Emergencies Of course, it's a good idea to have money stocked away in your savings account so that you can handle any personal or household emergencies that might pop up. [Read More]

  • When Adjustable-Rate Mortgages Are A Viable Choice

    If you're looking into a mortgage to secure financing for a home purchase, you've likely felt a bit overwhelmed with all of the different types of mortgages you can get. While fixed-rate loans offer predictable payments over the next 15 or 30 years, there are loans with adjustable rates that may look a bit scary. While the prospect of your interest rate going up after a set amount of years may seem like a bad idea, it can actually be beneficial for a couple of reasons. [Read More]

  • 3 Estate Planning Tips For New Parents

    Once you have a child, your obligations and life changes, and your estate plan should change as well. You want to make sure that you have an estate plan set up that will ensure that your child is taken proper care of in the event of your death or a health situation that makes it impossible for you to make your own decisions. #1 Guardianship of Your Children First, you need to establish guardianship for your children should something happen to you or your spouse. [Read More]