Organic

Creating a last will and testament is important for every adult. Especially if you have dependent children. However, a 2019 Merrill Lynch study found that less than 50% of people over the age of 55 have a will of any kind. Even worse, only 18% of Americans over age 55 have a will, healthcare directive, […]

Helping a family member or friend to secure a loan is a nice gesture. Co-signing a loan is very common, but not without its pitfalls. A poll by CreditCards.com found that 1 in 6 respondents had co-signed for someone else, whether to get a credit card or other type of loan. However, is it really […]

There are a bunch of key words to watch for when you take out any new kind of loan or credit. You probably know the obvious ones. Be aware of phrases like interest rate, APR, minimum payments, default penalties, loan term, and so on. However, you should also scan the fine print for one particular […]

Employer contributions to your 401(k) retirement accounts are a big deal. Not only do they help you save for eventual retirement, but they also help organizations attract and retain talent. According to Fidelity Investments, the average 401(k) employer match in the United States reached a record level of 4.7% in 2019. That match increased the […]