About Joshua Williams

Not all credit cards have rewards programs, but if you’re lucky enough to hold a credit card that does, you can take advantage of some pretty interesting rewards. Imagine earning free travel opportunities, concert tickets, a flat-screen television, or even help with your college tuition, mortgage payment or retirement fund. Before you sign up for a rewards program, you should check the facts, look at the interest rate and compare yearly membership fees.

Car insurance payments can suck away a lot of your monthly income. Here’s a guide on how these premiums are calculated, and how to reduce them.

If you’re age 62 or older, own your own home, and are searching for different ways to fund your retirement, securing a reverse mortgage may be the answer for you. A reverse mortgage is a financial product that enables you to easily convert the equity.

Identity theft is a real and growing problem. In 2018, the Federal Trade Commission (FTC) processed 1.4 million fraud reports totaling $1.48 billion in financial losses. According to the FTC, the most common type of fraud involved identity theft and credit cards. That doesn’t even include cases of honest mistakes, where you receive a bill […]

Retirement can be an exciting time in life. After working diligently for years and through careful planning, you are now finally able leave the proverbial rat race. You can finally have time all to yourself. You’ve earned it! A secure retirement can provide much needed peace of mind. However, before taking this big life step, […]

When used responsibly, credit cards can be very beneficial. However, very few people actually use credit cards properly. Too often they become the source of major financial problems. According to consumer advocacy organization Debt.org, more than 189 million Americans have at least one credit card. The average credit card holder has at least three. Many […]

Retirement is big business these days. With the last of the Baby Boom generation reaching retirement age and Generations X, Y, and Z now responsible for their own financial security, banks, brokerages and investment firms are tripping over themselves to sell us on what we should do to successfully save for old age. The truth […]

There are lots of common financial mistakes that many of us make. Not budgeting for monthly expenses, for example. These mistakes, while not advisable, usually aren’t too damaging. If you can correct the course, your personal finances will be back on track quickly and easily. However, there are also some serious mistakes that people make […]

The trend today is for people to take control of their investments. With the advancement of the internet, it’s totally possible to manage your own money. A growing number of advertisements from online and discount brokerages trumpet the benefits of do-it-yourself (DIY) investing. They promise you will avoid costly fees and potentially earn big gains. […]

Before you throw away your dream, though, you should learn how to get a loan that will help you start or build a business. You might find that you have better options than you think.