Budgeting


You’ve decided to leave college. Maybe you’re becoming an entrepreneur, or you’ve concluded that higher education isn’t right for you. Or maybe you can’t afford to stay in school. Whatever your reason, during this time of starting anew, don’t forget about those student loans. Leaving school early means you’re more likely to fall […]

Tips for Paying Off your Student Loans


By Roslyn Lash There’s no question that losing your job can be scary and difficult. But if you are fortunate enough to have some warning, you can take some steps to soften the blow, whether layoffs are at the rumor stage or already under way. These suggestions can help you prepare […]

How to Survive a Job Loss


Low interest mortgage rates have given some homeowners the option to refinance their mortgage and free up extra cash, either through lower monthly mortgage payments or a “cash out” refinance in which they borrow against the equity in their home. Homeowners can use this money in a variety of ways, including […]

Should I Pay for Home Renovations by Refinancing?



  Tips for the home buyer: Contact a housing counselor for guidance and counseling. Check your credit at http://www.AnnualCreditReport.com. Shop around for the best Annual Percentage Rate (APR). Verify the lender’s required downpayment amount.  If you do not have enough, check with local agencies for assistance. Ask the lender for a […]

Tips for the homebuyer


  Youth Smart Financial Education Services is a financial education and coaching program primarily for youth and millennials. There are two focuses: To help schools, churches, businesses, and non-profit organizations provide financial education to their young clients. Providing coaching sessions to young adults, commonly referred to as Millennials or Gen Y’s, to help them take control of […]

An Entrepreneur’s Passion