Photo Credit: David Reber’s Hammer Photography via Compfight cc If you have received a call from an IRS agent telling you that you are entitled to a big refund or that you owe money that must be paid back immediately, you likely have been the target of a scammer! The IRS warns consumers to on […]

Everyone knows that credit score affects one’s ability to purchase a home. Higher credit scores mean lower mortgage interest rates. Many consumers have low credit scores as a result of unpaid medical expenses. These derogatory entries on a consumer’s credit report can affect a credit report, undesirably, by 100 points or more.   The current FICO model fails […]

With Summer winding down, now is the time to get in those last minute Summer memories with your kids. Let’s take a look at 5 ways that you can make everlasting memories with your kids this Summer: End of Summer Vacation.  Vacations are great ways to build memories for the whole family.  A vacation lets […]