The wealth of technology and information at our fingertips has left us in a place of extreme convenience—we can do everything from pay our bills to manage our finances, all with just a few taps of a screen or clicks of a mouse.

Understanding Your Debt To Income Ratio is simple once you understand the what is being measured.

Are you juggling monthly payments from multiple loans while struggling to make ends meet? You might be tempted to take out a debt consolidation loan as a solution to your debt problems.

It can be frustrating to order copies of all your credit reports, just for your scores to all be different, sometimes by a many points!  You may be asking yourself, why are my credit scores different?  There are a few reasons your score will vary depending on the agency.

At the end of Q1 2019, more than 5.2 million Americans were seriously underwater on their mortgage. That means that 9.1% of all homeowners possess negative equity. If this applies to you, you’re probably wondering what you can do to minimize your losses. Refinancing may be a helpful solution. But is it possible to refinance your mortgage when you’re already underwater?

The move is a good one for those of us who are relying on our 401(k) as our primary way of saving for retirement. The ruling, which aims to provide better transparency for these types of fees, went into effect this summer and plan participants are now beginning to receive their annual and quarterly reports. And what you’ll learn may shock you. The fact is, those of us with 401(k) plans have been shelling out for everything from trading fees to administration fees.

When you retire, it becomes important to have reliable sources of income. As many people found out during the recession following the financial crisis, relying solely on what’s in your retirement investment account can be a scary thing. And, while Social Security is around for now, what happens if you end up with the short end of the stick, with benefits likely to be cut in the future?

Certified Financial Planner, Kimberly Foss, who founded the Roseville, California-based Empyrion Wealth Management, has heard complaints about annoying new fees from her clients and even her college-aged daughter. “It’s insane!” says Foss. “She uses a debit card, and after three withdrawals in a month, she was charged $25 for excess withdrawals.”

America has a complicated history with taxation. In fact, you could argue that our country exists at all because of the British colonies’ shared hatred of taxes. Fast forward a few hundred years, and we’ve put together a federal income tax structure far more rigorous than the one we escaped in 1776. Taxes are a fact of life, but are they just? Or is taxation theft? Let’s dig a little deeper.

“The results often proved disastrous…running up credit cards to the limit. Unable to make the monthly payments, they ended up with a poor credit score that followed them into the future,” noted Frizzi.