How To Fund An Emergency

Q: Help! I’ve been hit with a financial emergency and I don’t know how to pay for it! What are my options? A: Ideally, you’ll want to have an emergency fund in place for this very reason. If you don’t, or the money you have set aside isn’t enough, you have several options to consider.  We’ve […]

Rising Interest Rates

If you follow the national business news, you are likely getting mixed messages about the state of the economy. While never very reassuring, pundits’ opinions on the stock market and the country’s economic state are changing as frequently as the Ohio weather.  But there’s one area that’s been constant for some time now: rising interest […]

Return or Loan? Why Tax Refund is a 4 Letter Word.

Retailers across the country expect big sales for the first quarter of the year. They know this is the time of year when 75% of Americans get a big check in the mail courtesy of Uncle Sam. Nobody likes filing their taxes, but everyone likes getting a refund. It’s free money, right? Whoa … hold […]

Choosing an Equity Loan In A Rising Rates Environment

Q:  I’d like to take out a loan against my home’s equity, but I’ve heard that interest rates are expected to climb soon. What are the differences between a home equity line of credit (HELOC) and a typical home equity loan? How does an environment of rising interest rates impact each choice? A: It’s true […]

4 Home Improvement Projects with High Long-Term Return

When you’re making improvements to your home, you’re not just making your life better in the short term. You’re also making an investment in your future. Ideally, the increase in the value of your home will exceed the cost of the improvement. However, it seldom works out like that. The most efficient home improvements don’t […]

Dealer Auto Finance Scams

So, you’re buying a car.  You’ve made it past the tedious comparison shopping, you’ve finished the detail-oriented research and you’ve even endured the haggling with the salesperson.  Your tongue probably tastes like that terrible coffee they use in every car dealership in America, the kids are probably getting cranky and it’s pretty likely you’re thinking […]

Buying A Used Car: Finding The Car

Finding The Car You’ve probably heard that a car is the second-largest purchase the typical American makes after their home, but that’s not really true.  It might seem like it, since the median home price in the US was just under $190,000 last year, while a new Honda Civic starts at about one-tenth as much. […]