Is It a Good Idea to Invest When the Market is Down?

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Follow an Investment Strategy Based on Your Needs, Not Market Conditions. Should you invest when the market is down? Yes. You should also invest when the market is up. And don’t forget to invest when it holds steady as well. Noticing a theme? Investing is a great idea, no matter when you do it. Let… Read more »

Discover the Benefits of a Share Certificate

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Share certificates might be one of the best wealth-building tools you’ve never heard of. When it comes to investment products, most of the attention goes to popular options like stocks, bonds, IRAs, and mutual funds. Now to be fair, each of those products offers benefits that make them worthy of consideration. However, due to their… Read more »

What’s the Real Value of a College Degree?

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With the cost of higher education rising at a steady pace, prospective students, are taking a closer look at the value of a college degree. From housing and books to scholarships and student loans, the determining factors go far beyond tuition expenses. However, despite the fact that college can be expensive, the US Department of… Read more »

9 Mistakes Parents Make When Teaching Kids About Money

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Teaching children how to manage their money can feel like a perpetual balancing act. One day you’re working to instill good financial behaviors, and the next day you’re trying to help them break bad habits. In many families, the subject of money management comes up innocently enough, often as the result of money a child… Read more »

Money Matters With Moxie: Get More Out of Your Tax Refund

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Stop me if you’ve heard this one—or experienced it for yourself: After doing your taxes and realizing you’ll get a refund, you spend a few weeks dreaming about everything you’ll do with your financial “windfall.” When the money finally arrives, you deposit it in your checking account and gaze adoringly at the too-good-to-be-true balance. But… Read more »

Should I Prepare My Own Taxes or Hire a Professional?

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It stings enough to have to pay taxes, so it is only natural to want to save a little money when it comes to paying for tax preparation. Who wants to pay an extra couple hundred bucks for the privilege of sending our hard-earned dollars to Uncle Sam? You don’t necessarily have to pay to… Read more »

How to Financially Prepare for a New Baby

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Many people (particularly excited grandparents-to-be!) will tell you that if you wait to have a baby until you can afford one, you’ll never have a baby. And there is a lot of wisdom in that counsel. It’s easy to settle into a baby-free lifestyle that affords more eating out, impromptu outings, and little splurge purchases…. Read more »

How to Rebuild Your Credit After a Personal Financial Crisis

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Nobody plans to have a financial crisis, but they can happen to anyone. Perhaps a student loan,  youthful indiscretions, or poor planning got you in a hole that you then got stuck in. Or maybe circumstances totally beyond your control knocked out years of thoughtful strategizing. Either way, there are things you can and should… Read more »