San Diego, CA, July 6, 2021 – The Institute of Business & Finance (IBF) recently awarded Jeffrey Mohlman with the only nationally recognized tax designation, CTS™ (Certified Tax Specialist™). This graduate-level designation is conferred upon candidates who complete an 135+ hour educational program focusing on personal income taxes and methods to reduce tax liability. The combined top state and federal bracket […]
If you can pay your bills every month, you may not feel like you need to create a budget. Many adults associate budgeting with deprivation and restrictions. However, budgeting is simply a way to understand where your money goes. When you create a budget, you set yourself up for financial success.
It doesn’t matter how it started. Credit card debt can be a crippling financial burden. For many, credit card debt was not something they thought they’d need to deal with long term. Maybe you made some poor decisions, but maybe these decisions were forced on you by job loss or other unexpected expenses. No matter how you […]
A good credit score signals good financial health, and with more than just a fair score, creditors will be more confident about extending you a line of credit in its various forms and at some of the most favorable terms.
Your credit report not only provides your credit score, but also your credit history. Lenders will often take a look at your credit report to determine how financially responsible you are. Things like late payments and missed payments help lenders identify potential lending risks. Not only can certain blemishes hurt your chances of having a loan […]
Creditors will pay particular attention to your credit score when assessing whether or not to extend you a line of credit. These scores are also called risk scores as they help the creditors assess the level of risk of you not being able to pay what you will owe them should they extend you the […]
There’s going to come a time in your life (if it hasn’t already) when you’ll need to borrow money in order to make a large purchase. For example, few people are able to pay for a car or a house out of pocket. When this time comes, you’ll need to speak with a lender.
If you have racked up the debt across the years, don’t feel bad! Just about everyone has accumulated a substantial amount of debt at one point or another. After all, most people cannot afford to pay for a college education, a home, an automobile, and other costs of living without loans or a credit card.
Your credit score is a representation of how financially responsible you are, both now and in the past. It’s why lenders and creditors will use your credit score to determine how big of a risk you are, which is why it affects whether you’re able to qualify for a loan or for credit and what […]
Most people have experienced financial stress in their lives. Maxed out credit cards, rent hikes, and unexpected bills have a way of bringing us all to our breaking points, no matter how close we try to stick to our budget. If you are making the minimum monthly payments just to stay afloat, you know how […]