All Posts By Amy

3 Things You Need To Know Before Taking Out Student Loans

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Even though to me it seems like summer is just getting started, some colleges are starting up again in only a month. This is the season when thousands of families are signing up for student loans. Personally, I don’t think loans are necessary to earn a college degree, but a lot of people still use them.

 

If you or your child are planning on attending college this fall and using loans to do so, you need to know what you’re getting into. Here are three very important things for you to understand before taking out student loans:

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What Is An Annuity And Why Would I Want One?

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If you’ve never had someone try to sell you an annuity, you’re either lucky or young. As you near retirement, you will have a plethora of “financial advisors” offering you annuities as the solution to your every financial need. Because of this, it’s important for you to understand what they are and when you would want one.

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How I Got An 800+ Credit Score

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I’ve always assumed I had good credit based on my behaviors, but I never knew my credit score. Then, we bought a house 3 years ago and had to apply for a mortgage.

 

The mortgage broker was downright giddy when he pulled our credit reports and got our scores. He excitedly told me that he could count on one hand the people that he had worked with with an 800+ score. Yay, I’m a celebrity in his world!

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Father’s Day Is For Spiritual Fathers, Too

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Yesterday was Father’s Day, so I’d like to take a break from discussing tedious financial topics in order to honor my spiritual father, Pastor Steve Fitzpatrick.

 

Pastor Steve has played an integral role in my development as both a person and a Christian. I’ve known him for as long as I can remember, and I find it fascinating to see how his influence in my life has shaped the way I view and approach the world.

 

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Did Opting Out Of Social Security Make You A Hypocrite?

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If you’re reading this, you’re probably a licensed minister who has opted out of Social Security. I’ll bet you were thrilled at the opportunity to opt out of a system that is facing a perilous future and is quickly depleting its reserves. But was it really the right move for you? And are you maintaining your integrity by doing so?

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How To Keep Your Vacation From Destroying Your Finances

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Summer is just around the corner, and for many of us, that means vacations! Vacations by nature tend to be a time of indulgence, and it’s all too easy to let it go too far. A 2015 study found that 49% of vacationers accumulated credit card debt when traveling and 68% go over budget.

 

Your vacation memories won’t be as sweet if you’re still paying the bill four months later. Are the stress and money fights really worth several days of irresponsibility? I don’t think so. But I do want you to have a fun vacation. Here are a few ways you can have a great vacation without sabotaging your finances:

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Why I Think Mutual Funds Are Awesome

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All of my money that I am saving for the distant future is invested in mutual funds. It shouldn’t come as any surprise, then, that I think they’re awesome. I think that they are the best way for normal, everyday people like you and me to invest for the future.

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