Skip to main content

FirstDemo Bank
Personal
Business
Wealth

About
Contact
Locations
Investors

HomepageFirstDemo Bank & Trust
Open Mobile MenuClose Mobile Menu
  • Personal
  • Business
  • Wealth
  • About
  • Contact
  • Locations
  • Investors
Fintactix helps financial marketers build customer engagement strategies around financial literacy.
build smarter financial relationships
  • Credit and Debt
    • Credit
    • Debt
    • Major Purchases
  • Money Management
    • Banking
    • Budgeting
    • Building Wealth
    • Saving
    • Spending
  • Family Finances
    • Life Events
    • Identity Protection
    • Insurance
    • Kids & Money
    • Financial Crisis
  • Workplace Finances
    • Employee Benefits
    • Paycheck Planning
    • Retirement Plans
  • Your Home
    • Renting
    • Buying a Home
    • Mortgage
    • Home Equity
    • Refinancing
  • Paying for College
    • Saving for College
    • Financing College
    • Repaying Student Loans
  • Retirement Planning
    • Saving for Retirement
    • Social Security
    • Living in Retirement
  • Small Business
    • Starting a Business
    • Business Finance
    • Business Management
    • Growing Your Business
    • Employment Basics
  • Financial Calculators
    • Auto
    • Mortgage
    • Home Equity
    • Savings
    • Retirement
    • Debt
    • Budget
    • Insurance
    • Business Finance
    • Business Management
    • Business Marketing
  1. Home

Credit and Debt

Credit Repair Scams

Credit

Credit Repair Scams

Article

How Rooftop Solar and Net Metering Works

Major Purchases

How Rooftop Solar and Net Metering Work

Article

How Many Credit Cards Should You Have?

Credit

How Many Credit Cards Should You Have?

Article

Lower Your Credit Card Rate

Credit

Lower Your Credit Card Rate

Article

Maximizing Credit Card Rewards

Credit

Maximizing Credit Card Rewards

Article

Understanding Your Credit Report

Credit

Understanding Your Credit Report

Article

Dealing with Credit Score Fallout

Debt

Dealing with Credit Score Fallout

Article

Travel Reward Programs

Credit

Travel Reward Programs

Article

  • Load More

For More Information on Fintactix

  • AdviceSite
  • Content Marketing
  • ROI
  • Content Library
  • Financial Calculators
  • Auto
  • Mortgage
  • Home Equity
  • Savings
  • Retirement
  • Debt
  • Budget
  • Insurance
  • Business Finance
  • Business Management
  • Business Marketing
  • Company
  • Leadership
  • News and Events
  • Insights


  • Contact
  • info@fintactix.com
  • (951) 239-4080
  • Schedule an Online Meeting
  • Credit and Debt
    • Credit
      • Alternatives to Pay Day Lenders
      • Building a Credit Reputation
      • Closing Down a Credit Card Account
      • Credit Card Industry Laws
      • Credit Repair Scams
      • Credit-Building Loans
      • Dealing with Rising Credit Card Interest Rates
      • Evaluating Credit Card Reward Programs
      • Fee-Based vs No-Fee Credit Cards
      • Good Reasons to Borrow Money
      • How Credit Card Utilization Impacts Your Credit Score
      • How Credit Cards Work
      • How Many Credit Cards Should You Have?
      • How is a Credit Report Used?
      • Important Credit Card Terms
      • Keeping Track of Your Credit Score
      • Loan Basics
      • Lower Your Credit Card Rate
      • Repairing Your Credit
      • Smart Purchases to Make on Credit
      • The Ins and Outs of Your Credit Score
      • Travel Reward Programs
      • Understanding Credit Card Interest
      • What Do You Know About Credit?
      • What Is a Credit Reference?
      • What Makes My Credit Score Go Up and Down?
      • Why Your Credit Utilization Ratio Matters
      • Your Annual Credit Report Review
    • Debt
      • Accelerating Repayment on a Loan
      • Are Credit Card Balance Transfers Worth It?
      • Consolidating Debt with Home Equity
      • Consumer Protection Laws and Medical Debt
      • Cures for a Debt Hangover
      • Dealing with Credit Score Fallout
      • Dealing with a Spouse’s Credit Issues
      • Debt Consolidation
      • Debt Ratios and Debt Loads
      • Debt Terminology
      • Good Debt, Bad Debt
      • How Long Will It Take to Pay Off a Credit Card?
      • Increase Your Monthly Payment
      • Make Bi-Weekly Payments
      • Making Only Minimum Payments
      • Managing Debt
      • Meet a Debt Payoff Goal
      • Prioritizing Your Loans for Quicker Payback
      • Protect Yourself from Predatory Lenders
      • Save or Pay Off Debt?
      • The Avalanche Debt Repayment Method
      • The Debt Snowball Method
      • The Difference Between Debt and Credit
      • The Life Cycle of Debt
      • The Pros and Cons of Loan Protection Insurance
      • Understanding Your Debt
      • Use a Lump Sum to Pay Down Debt
      • Use a Side Hustle to Pay Off Debt
      • What Happens When You Don't Repay Your Debts
      • What Happens to Your Debt When You Die?
      • Your Debt Collection Rights
    • Major Purchases
      • Budgeting For Your Big Day
      • Buying an Engagement Ring
      • Calculate a Loan Payment
      • Electric Vehicle Tax Credit Requirements
      • Financing a Major Purchase
      • Getting Ready to Borrow
      • How Rooftop Solar and Net Metering Work
      • Selling Your Car
      • The Cost of Borrowing
      • Understanding Car Subscription Services
      • Understanding Interest on Loans
      • Using Home Equity for a Major Purchase
      • What it Means to Borrow Money
      • Calculate a Vehicle Payment
      • Low Rate or Cash Back?
      • Compare Monthly Payment by Term
      • Vehicle Affordability by Loan Term
      • Compare Two Vehicle Loans
      • Purchase or Lease a Vehicle
  • Money Management
    • Banking
      • Accessing Financial Services as an Immigrant
      • Balance Your Checking Account
      • Banking Basics
      • Check-Cashing Services
      • Closing a Bank Account
      • Debit or Credit Card?
      • Digital and Mobile Wallet Basics
      • Financial Basics for Service Members
      • Going Cashless
      • Going Green With Your Finances
      • How Safe is Your Money?
      • How the Federal Reserve Controls Interest Rates
      • Introduction to Online Billpay
      • Money Transfer Options
      • Opening an Account
      • Peer-to-Peer Payment Tools
      • Private Banking Basics
      • Safe Practices for Mobile Banking
      • Selecting the Products That Are Right for You
      • The Benefits of Online Banking
      • The Pros and Cons of Cash Advances
      • Using a Checking Account
      • Using a Savings Account
      • Watch for Gift Card Scams
      • What Do You Need in Your Wallet?
      • What Is a Cash Management Account?
      • What is a Cryptocurrency?
      • What is a Demand Deposit?
      • Paying Your Bills
    • Budgeting
      • 25 (Almost) Pain-Free Budget Cuts You Can Make
      • Are There Leaks in Your Finances?
      • Budgeting Basics
      • Budgeting on Irregular Income
      • Buy Now, Pay Later Apps
      • Calculating Your Disposable Income
      • Challenge Your Budget Cutting Skills
      • Don’t Let the Holidays Bust Your Budget
      • Financing a Home Solar Project
      • Having a Plan
      • Household Cash Flow Tracker
      • How Much Am I Spending?
      • Measuring the Cost of Living
      • Monthly Credit Card Management
      • New Year? New Budget Resolution
      • Putting Together Your Budget
      • Reducing Food Waste at Home
      • Ridesharing Basics
      • Roommate Finance Management
      • Save, Share, or Spend
      • Smart Ways to Spend Your Tax Refund
      • Staying Frugal without Becoming Cheap
      • The 50/30/20 Budget Rule
      • The Benefits of Personal Financial Management Tools
      • The Minimalist Model
      • Understanding Your Income and Expenses
      • Understanding a Shoestring Budget
      • Upcycling Basic Household Items
      • Using Budgeting Apps
      • What to do with a Financial Windfall
      • Why Do Budgets Fail?
      • Your Budget and Higher Food Prices
    • Building Wealth
      • Calculate Your Net Worth
      • Diversifying While Investing
      • Do You Need a Financial Advisor?
      • Investing in ETFs (Exchange-Traded Funds)
      • Investing in Stocks
      • Researching Investments
      • Save to be a Millionaire
      • The Benefits of Compounding
      • What is a Mutual Fund?
    • Saving
      • 2022 & 2023 Maximum IRA Contribution Limits
      • Becoming a One-Car Family
      • Building a Rainy Day Savings Fund
      • Bump-Up CDs vs. Step-Up CDs
      • Calculate Your Savings at Maturity
      • Compare Two CDs
      • Creating a Savings Mindset
      • Cutting the Cable and Saving Money
      • Determining Your Savings Need
      • Finding Affordable Travel Options
      • Finding Money to Save
      • Get S.M.A.R.T.
      • How a Smart Home Can Save You Money
      • Is it Time to Use CDs for Investing Again?
      • Laddering Strategies for CDs
      • Performing a Home Energy Audit
      • Preparing Holiday Meals on a Budget
      • Protecting Your Savings From Inflation
      • Repair or Replace it?
      • Save Towards a Goal
      • Save for a Rainy Day
      • Saving Money When You Join a Gym
      • Saving Money
      • Saving for a Rainy Day
      • Saving on Back-to-School
      • Solar Energy Options
      • The Difference Between Spending Less and Saving Money
      • The Impact of Saving More
      • Types of Savings Goals
      • U.S. Savings Bonds
      • Understanding Your Savings Options
      • Understanding the Savings Deposit Program (SDP)
      • Using a Sinking Fund to Save
      • Watching Your Money Grow
      • What Is an ABLE Account?
      • What Is an Add-On CD?
      • What Will My Savings Be Worth?
      • What are You Saving For?
    • Spending
      • Are Food Delivery Services Right for Me?
      • Are You Eating Away At Your Paycheck?
      • Are You Maximizing Your 'Cash Back'?
      • Are You Under the Influence?
      • Avoid These Car Leasing Mistakes
      • Buying Your First Electric Car
      • Categorizing and Tracking Your Expenses
      • Dealing With High Gas Prices
      • Dealing with Dynamic Pricing
      • Do Grocery Delivery Subscriptions Make Sense?
      • Find the Best Christmas Shopping Deals
      • Finding Online Coupons
      • Getting Out of a Car Lease
      • How Inflation Impacts Your Finances
      • Hybrid, Electric or Gas?
      • Making Sustainable Food Choices
      • Maximize Your Car's Trade-In Value
      • Reducing Your Spending
      • Saving Money While on Vacation
      • Shopping Strategies for Holiday Deals
      • Shopping for Home Appliances
      • The Art of Splitting a Check
      • The Rising Costs of Streaming Services
      • What Is Social Commerce?
      • What is Surge Pricing?
      • Gas Mileage Savings with a Fuel Efficient Vehicle
  • Family Finances
    • Life Events
      • Becoming Financially Independent
      • Becoming a Parent
      • Building a Cash Wedding Registry
      • Considering a Financial Caregiver
      • Creating a Power of Attorney
      • Employed Again? Do These Things First
      • Estate Planning
      • Getting Your Child's Finances 'Move-Out' Ready
      • Housing Scams to Avoid
      • How Do Living Wills Work?
      • If Your Spouse-to-be Has Serious Debt Problems
      • Is Your Significant Other a Tightwad?
      • Keep Working or Stay at Home?
      • Lending Money to Family or Friends
      • Liquidating a Loved One's Estate
      • Making Financial Preparations for Maternity Leave
      • Making Your Home a Vacation Rental
      • Managing Moving Expenses
      • Managing Your Child Care Expenses
      • Preparing Financially for a Special Needs Child
      • Saving Money by Moving Back Home
      • Searching for Unclaimed Money
      • Should You Get a Prenup?
      • The Child Tax Credit 2021
      • The Financial Side of Dating
      • What is Financial Therapy?
    • Identity Protection
      • Am I Being Phished?
      • Child Identity Theft
      • Common Phone Scams
      • Consumer Privacy
      • Consumer Privacy
      • Credit Freezes vs. Fraud Alerts
      • Credit, Debit and Fraud Prevention
      • Digital (or Virtual) Credit Cards
      • How Credit Card Dumps Work
      • How to Spot a Money Wiring Scam
      • Identity Protection Services
      • Identity Theft and Fraud
      • If You're a Victim of a Data Breach
      • Keeping Your Mobile Phone Secure
      • Make Sure Your Home Network is Secure
      • Medical Identity Theft
      • Protect Yourself from Identity Theft
      • Protecting Your Home When You're on Vacation
      • Protecting Your Identity While Traveling
      • Protecting Yourself On Social Media
      • Scammers and the Coronavirus
      • Shopping Safely Online
      • Spotting Elder Fraud
      • Spotting Health Insurance Scams
      • Stop the Robocalls!
      • Take Advantage of Two-Step Authentication
      • Understanding the "Dark Web"
      • Using a Password Manager
      • Website Password Strategies
      • What Is Carding?
      • What Is Skimming?
      • What Is an Advance-Fee Loan Scam?
      • What is Synthetic Fraud?
      • What is a Spoofing Attack?
      • What’s Your Password Strategy?
    • Insurance
      • Auto Insurance and Teen Drivers
      • Calculate Your Disability Insurance Needs
      • Calculate Your Life Insurance Needs
      • Calculate Your Long Term Care Needs
      • Check Your Insurance Knowledge
      • Choosing the Right Deductible Amount
      • Dropping Collision from Your Auto Coverage
      • Factors That Impact Life Insurance Premiums
      • Finding the Right Auto Insurance
      • Health Savings Account or Traditional Health Plan?
      • How Much Life Insurance Do You Need?
      • Insurance Tips for Homeowners
      • Insuring Your Property
      • Is Pet Insurance Right for You?
      • Is Travel Insurance a Good Idea?
      • Reach Your Health Savings Account Goal
      • Reviewing Your Medical Bill
      • Save for Long Term Care
      • Should You Take the Travel Insurance?
      • Term vs. Whole Life Insurance
      • The Advantages of Health Savings Accounts
      • The Homeowner's Insurance That's Right for You
      • The Value of Your Future Earnings
      • Tips to Reduce Your Auto Insurance Premiums
      • Understanding Home Hospital Care
      • Understanding Roadside Assistance Insurance
      • What Is FAIR Plan Insurance?
      • What Is Umbrella Insurance?
      • Your COBRA Health Insurance Rights
    • Kids & Money
      • 2024 Child Tax Credits
      • Allowances and Children
      • Are Kids Sports Draining Your Bank Account?
      • Homeschooling During COVID-19
      • Learning to Save
      • Paying for Good Grades
      • Preparing Your Teen for Their First Job
      • Raising Financially Literate Children
      • Spare Change
      • Spending on Your Child
      • Teaching Kids About Money
      • Teaching Smart Spending
      • Teaching Your Child to Count Money
      • Teaching Your Children about Gift Buying
      • Teaching Your Teen About Financial Risk
      • The Cost of Homeschooling
      • Things Your Grade Schooler Should Know About Money
      • Things Your High Schooler Should Know About Money
      • Things Your Middle Schooler Should Know About Money
      • Things Your Pre-Schooler Should Know About Money
      • Understanding Money
      • Understanding a Small Saver Certificate (SSC)
      • What Is a Custodial IRA?
    • Financial Crisis
      • A Death in the Family
      • Avoiding Costly Car Repair Mistakes
      • Avoiding Tax Penalties
      • Dealing with Large Medical Bills
      • Dealing with a Home Foreclosure
      • Helping Your Parents with their Finances
      • Housing Relief Options and COVID-19
      • In Case of Medical Emergency
      • Making a Comeback from a Financial Setback
      • Managing Debt When You Are Unemployed
      • Managing Your Finances After a Job Loss
      • Mortgage Relief Scams
      • Paying for Rehab and Addiction Treatment
      • Preparing Financially for a Climate Changing World
      • Preparing for an Economic Downturn
      • Rebuilding Credit After Bankruptcy
      • Reselling Your Stuff
      • Revisiting Your Budget During a Crisis
      • Selling a Home That is Financially Underwater
      • Should You Get a Second Job?
      • Suddenly Unemployed
      • Weathering a Financial Crisis
      • When You’re Short On Money
  • Workplace Finances
    • Employee Benefits
      • Flexible Spending Accounts for Medical and Dependent Care
      • Health Savings Accounts (HSAs)
      • Hourly and Salaried Employment
      • Navigating Employee Stock Purchase Plans (ESPPs)
      • Negotiating a Job Offer
      • Quality of Life and Wellness Benefits
      • The Basics of Working from Home
      • The Benefits of Union Membership
      • The Financial Impact of Job Hopping
      • The Financial Impact of Relocating for Work
      • Understanding Employee Benefits
      • Understanding Paid Time Off (PTO)
      • Understanding Parental Leave Policies
      • Utilizing Childcare Benefits
      • Utilizing Job Training Programs
      • What Is a Long-Term Incentive Plan (LTIP)?
      • What Is a Severance Package?
      • What is an Employee Assistance Program (EAP)?
    • Paycheck Planning
      • 2021 Paycheck Planning
      • 2022 Paycheck Planning
      • 2023 Paycheck Planning
      • 2024 Paycheck Planning
      • Dealing with Expense Reimbursement
      • Filling Out a W-4 Form
      • First Paycheck? Do These Things First
      • Gross and Net Income: What's the Difference?
      • If You're a 1099 Employee
      • Juggling Multiple Jobs
      • Setting up Tax Withholding
      • Stop Living Paycheck to Paycheck
      • Understanding Company Bonuses
      • Understanding Pay Statements
      • Understanding Payroll Taxes
      • Understanding Performance-Based Pay
      • Understanding Your Pay Statement
      • Understanding Your Paycheck
      • Understanding Your W-2 Form
      • Using Pay Transparency in Salary Negotiations
    • Retirement Plans
      • 2021 & 2022 Maximum 401(k) Contribution Limits
      • 2022 & 2023 Maximum 401(k) Contribution Limits
      • 2023 & 2024 Maximum 401(k) Contribution Limits
      • 401(k) Calculator
      • An Overview of 401(k) Plans
      • Are You Eligible for a 403(b) Plan?
      • Employer-Sponsored Retirement Plans
      • How Do Employee Stock Ownership Plans (ESOPs) Work?
      • Reviewing Your Retirement Plan
      • Simplified Employee Pension (SEP) Plans
      • Traditional 401(k) or Roth 401(k)?
      • Understanding Matching Contributions
      • Understanding Pension Plans
      • What is a Defined Benefit Plan?
      • What is a Profit-Sharing Plan?
  • Your Home
    • Renting
      • Finding a Roommate
      • Furnishing Your New Space
      • Going from Homeowner to Renter
      • How Much Should You Spend on Rent?
      • Qualifying for Your First Apartment
      • Renter Mistakes to Avoid
      • Renting Your First Apartment
      • Understanding Your Rights as a Renter
    • Buying a Home
      • Additional Financial Home Buying Obligations
      • Are You Ready to Buy a Home?
      • Building a Home Buying Team
      • Buying a Home from a Family Member
      • Buying a Home with a Friend
      • Buying a Vacation Home
      • Buying vs Renting a Home
      • Down Payment Assistance Programs
      • Down Payment Strategies for First-Time Home Buyers
      • Finding a Real Estate Agent
      • Finding the Right Home
      • Getting Your Home Ready to Sell
      • Home Affordability
      • Home Affordability
      • How Home Construction Loans Work
      • Is a "Tiny Home" the Answer?
      • Landscaping on a Budget
      • Making an Offer on a Home
      • Proceeds from Sale of a Home
      • Saving for a Down Payment on a Home
      • Tax Implications of Home Ownership
      • The Pros and Cons of an HOA
      • Tools Worth Spending Money On
      • Understanding Housing and Debt Ratios
      • Understanding Your Debt-to-Income Ratio
      • Rent or Buy?
    • Mortgage
      • 15-Year vs 30-Year Mortgages
      • Being Pre-Qualified vs. Being Pre-Approved
      • Buying Down an Interest Rate with Points
      • Buying a Home in a High Rate Market
      • Can Bi-Weekly Mortgage Payments Save You Money?
      • Closing on a Home
      • Compare a Bi-Weekly Mortgage to a Monthly Mortgage
      • Debt-to-Income Calculator
      • Down Payment Calculator
      • FHA Mortgage Basics
      • Finding a Mortgage
      • Fixed Rate vs Adjustable Rate Mortgages
      • Getting Rid of Private Mortgage Insurance
      • Getting the Lowest Mortgage Rate
      • How Escrow Accounts Work
      • Key Mortgage Terms
      • Know When to Lock-In a Mortgage Rate
      • Loan Amount Calculator
      • Maximizing a Home Appraisal
      • Mortgage Loan Modification Options
      • Qualifying for a Mortgage
      • Should You Pay Off Your Mortgage Early?
      • Understanding Mortgages
      • Understanding VA Loans
      • Understanding the Federal Home Loan Bank System
      • What Is a Jumbo Loan?
      • Calculate a Mortgage Payment
      • Compare Two Mortgage Loans
      • Adjustable Rate Mortgage Analyzer
      • Calculate Home Closing Costs
    • Home Equity
      • Cash-Out Refinancing or a Home Equity Loan?
      • Is it the Right Time to Refinance Your Home?
      • Refinancing Your Mortgage
      • Should You Refinance Close to Retirement?
      • Should You Refinance Into a Shorter Term Mortgage?
      • Time to Refinance?
    • Refinancing
      • Building Equity in Your Home
      • Calculate a Home Equity Line of Credit Payment
      • Calculate a Home Equity Loan Payment
      • Home Equity Loan or Line of Credit?
      • Home Equity Loans vs Lines of Credit
      • Paying Off a Home Equity Loan or Line of Credit
      • The Equity in Your Home
      • The ROI of Home Improvement Projects
      • Understanding Home Equity
      • Using the Equity in Your Home Wisely
      • Using the Equity in Your Home
  • Paying for College
    • Saving for College
      • An Overview of 529 Plans
      • Are Online Degrees Worth It?
      • Choosing Between College and Retirement Savings
      • College Savings Plan Options
      • College Savings Plans
      • Explaining Stackable Credentials
      • How Community Colleges Save You Money
      • Save for College
      • Saving for Your College of Choice
      • The "2K Rule" for College Savings
      • The ROI of Education
      • The True Cost of a College Education
      • Vocational and Technical Training
    • Financing College
      • Comparing Your Financial Aid Offers
      • Expected Family Contribution
      • FAFSA and You
      • Financial Aid
      • Financial Tips for College Freshmen
      • Financing a College Education
      • Finding Scholarships
      • Graduating from College Debt-Free
      • How Much Student Loan Debt is Too Much?
      • Maximizing Your Financial Aid Package
      • Minimizing College Application Expenses
      • Misconceptions Surrounding Financial Aid
      • Private Student Loans
      • Saving Money on College Textbooks
      • The Challenge of Working Your Way Through College
      • Will Your Choice of Major Payoff Financially?
    • Repaying Student Loans
      • COVID-19 and Your Student Loans
      • Claiming Your Student Loan Forgiveness
      • Credit Building Tips for New College Graduates
      • Employer-Sponsored Repayment Programs
      • How to Quickly Pay Off Your Student Loans
      • Income-Based Student Loan Repayment Plans
      • Living with High Student Loan Obligations
      • Public Service Loan Forgiveness (PSLF)
      • Refinancing Strategies for Student Loans
      • Repaying Student Loans
      • Student Loan Forgiveness
      • Understanding Income-Share Agreements
  • Retirement Planning
    • Saving for Retirement
      • 2019 & 2020 Maximum 401k Contribution Limits
      • 2019 & 2020 Maximum IRA Contribution Limits
      • 2020 & 2021 Maximum 401(k) Contribution Limits
      • 2020 & 2021 Maximum IRA Contribution Limits
      • 2021 & 2022 Maximum IRA Contribution Limits
      • 2023 & 2024 Maximum IRA Contribution Limits
      • Explaining Payroll Deduction IRAs
      • Factoring Family Into Your Retirement Plan
      • Getting Your Retirement Back on Track
      • Gig Worker Retirement Strategies
      • How Much Do You Need to Retire?
      • Retirement Planning Checklist
      • Retirement Planning Mistakes to Avoid
      • Retirement Saving Basics
      • Retirement Tax Planning
      • Save for Retirement
      • Spend It or Invest in an IRA?
      • The Basic Principles of Retirement Planning
      • The Pros and Cons of an Early Retirement
      • What are My IRA Options?
    • Social Security
      • An Overview of Medicare
      • Estimate Social Security Benefits
      • Getting By on Social Security
      • How Cost of Living Adjustments are Calculated
      • How are Social Security Benefits Calculated?
      • Social Security Benefits
      • Social Security Survivor Benefits
      • Social Security and the Self-Employed
      • Understanding the Ticket To Work Program
      • When Should I Start Collecting Social Security?
      • Your Social Security Number & Card
    • Living in Retirement
      • Buying a RV for Retirement
      • Don't Miss Out on Senior Discounts
      • Extend Your Retirement Budget with the Gig Economy
      • Finding a Caregiver
      • Have You Saved Enough for Retirement?
      • How Long Will My Retirement Savings Last?
      • In Retirement
      • Is a Reverse Mortgage Right for You?
      • Required Minimum Distributions
      • Restructuring Your Budget for Retirement
      • Retirement Account Withdrawal Strategies
      • Retirement Income Estimator
      • Supplemental Healthcare Coverage in Retirement
      • Supplementing Your Retirement Income
      • Working in Retirement
  • Small Business
    • Starting a Business
      • Business Startup Basics
      • Buying an Existing Business
      • Creating a Business Plan
      • Leasing Space for Your Business
      • Location, Location, Location
      • Naming Your Business
      • Partnership Pros and Cons
      • Saving to Start a Business
      • Sizing the Market
      • Sources of Start-Up Funding
    • Business Finance
      • Accepting Payment
      • Basic Accounting Statements
      • Business Debt Consolidation
      • Business Finance 101
      • Business Lines of Credit
      • Business Loan or Line of Credit?
      • Calculate a Business Loan Payment
      • Effective Receivables Collection
      • Establishing Credit
      • Extending Credit To Your Customers
      • Financial Ratio Analysis
      • Financial Ratios
      • Getting a Business Loan
      • Keeping Your Business & Personal Finances Separate
      • Lease or Buy Equipment
      • Managing Cash Flow
      • Projecting Your Cash Flow
      • Purchase or Lease Equipment?
      • Repaying a Business Loan
      • Small Business Administration Loans
      • The Basics of Budgeting
      • Using Credit Cards for Financing
      • Working With Outside Investors
      • Working with Factors
    • Business Management
      • Accounts Receivable Analysis
      • Becoming the Boss
      • Business Inventory Requirements
      • Determine Your Working Capital Requirements
      • Gross Margin Analysis
      • Laws and Local Ordinances That Impact Your Business
      • Managing Vendor Relationships
      • Managing Your Inventory
      • Managing a Business
      • Money Management
      • Providing Great Customer Service
      • Recordkeeping Basics
      • Sales Volume Required to Break Even
      • Selecting the Right Technology and Tools
      • The Value of Your Business
      • Time Management
      • Valuing Your Business
    • Growing Your Business
      • Affordable Marketing Strategies for Startups
      • Branding Your Business
      • Calculate Customer Lifetime Value
      • Calculate Your Conversion Rate
      • Calculate Your Direct Mail ROI
      • Calculate Your Email Marketing ROI
      • Creating a Marketing Plan
      • Creating an Online Presence
      • Direct Marketing Basics
      • Gaining a Competitive Advantage
      • Growing a Business
      • Internet Marketing Basics
      • Measuring the ROI of Your Marketing Budget
      • Optimize Your Sales Pipeline
      • Pay-per-Click Advertising ROI
      • Pricing Strategies
      • Selling Your Products Online
      • Social Media Marketing
      • Understanding Customer Lifetime Value
    • Employment Basics
      • Attracting and Retaining Quality Employees
      • Compensation Basics
      • Creating an Employee Handbook
      • Effective Employee Communications
      • Employment Basics
      • Hiring Your First Employee
      • Maintaining a Work/Life Balance
      • Negotiating with Prospective Employees
      • Required Employee Benefits
      • Running a Virtual Company
      • Total Employee Compensation Package
      • Training and Educating Employees
      • Using Contractors Instead of Employees
  • Financial Calculators
    • Auto
    • Mortgage
    • Home Equity
    • Savings
    • Retirement
    • Debt
    • Budget
    • Insurance
    • Business Finance
    • Business Management
    • Business Marketing