Your Credit Is About to Get Better

The three major credit bureaus, and one forward-thinking debt collector, are making changes that could allow millions of people to get loans they’ve unfairly been denied. Equifax, Experian and TransUnion plan to remove civil lawsuit judgments — where a creditor has sued and won in court — and many tax liens from people’s credit reports…

OFTEN-MISSED TAX DEDUCTIONS AND CREDITS

The tax landscape can be difficult to navigate. Nevertheless, figuring out which tax write-offs you qualify for could prove lucrative. To put you on the right path, consider whether these little-known tax deductions and credits could save you thousands of dollars down the line. JOB SEARCH EXPENSES Certain job hunt-related expenses are tax-deductible, including travel costs,…

Solutions To Help You Save

Many of us experience different types of financial remorse, but when it comes to retirement, there’s one major regret that’s seemingly universal: not saving early enough. In a recent survey, 74% of workers admitted that they should’ve started saving for retirement sooner than when they actually did. Not surprisingly, this attitude is highest among 30-somethings,…

FOODS THAT WILL IMPROVE YOUR MOOD

We all have those down days. The world looks bleak. Nothing feels right. Cheer up. We have just what you need to feel better: Chocolate. Or spinach. Take your pick. U.S. News & World Report has helpfully identified five foods that can help you see the brighter side. Call them the feel-good foods. 1. Dark…

FACTS ABOUT YOUR BODY’S TRUE CRAVINGS

Craving salty or sweet foods can actually be your body’s way of telling you it needs something. Here’s the info about your body’s true cravings. If you’re craving sweets It means your body really needs chromium, carbon phosphorous, sulfur, and tryptophan according to Shape.com. Get these by filling up on, fresh fruit, cheese and sweet…

What Is Debt-To-Income Ratio?

Your debt-to-income ratio is the sum of all your monthly debt payments divided by your gross monthly income. This number gives lenders a way to measure your ability to repay your loan, based on your income. Basically, imagine that your monthly mortgage is $1,000 per month. If you also have a car payment of $300,…