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Tag: How To

What Is a Nuncupative Will?

Estate Planning, Houston
Making a last will and testament is an important part of your estate plan and there are different types of wills to choose from. A nuncupative will, meaning a will that’s oral rather than written, may be an option in certain circumstances. While state will laws typically require that a will be written, signed and witnessed to be considered legal, there are scenarios in which an oral will could be upheld as valid. Understanding how a nuncupative will works, as well as the pros and cons, can help with shaping your will-making plans if you have yet to create one. A financial professional can offer advice on investing, retirement planning, financial planning and various other areas of finance. Find a financial advisor today.  Nuncupative Will, Defined A nuncupative will simpl...

Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack]

Early Career, Investment Property Mortgages
In the 1980s, self-driving cars and smartphones without antennas were only things you’d see in movies — unimaginable futuristic goals. Now, these “impossible” inventions are part of people’s everyday lives. These innovative ideas were thought to be outlandish years ago until creators like Elon Musk and IBM’s team put their impossible goals to the test. Impossible goals are things you want to achieve that seem out of the ordinary — ones that feel as if you may never reach them, even in your wildest dreams. These goals could be turning your dream side hustle into a full-time job or building your savings from zero in the next year to buy your dream home. While the end result seems unreachable, a mix of motivation, determination, and hard work can get you further than you think. ...

How to Attract Birds to Your Yard

El Paso
Attract Springtime Birds In the spring, birds are busy building nests, so attract them to your yard with some of these nesting materials for them to collect. DIY Birdbath Almost everyone has some old terra-cotta pots tucked away in the garage or the basement. Why not reuse them to make a cute backyard birdbath to attract birds? You’ll need three largish pots of increasing sizes, a large terra-cotta saucer, silicone caulk, and spray paint (optional). First, make sure the pots are clean and free of all dirt and debris. If desired, spray paint them whatever color(s) you’d like. Then stack the pots upside down from large to small, creating a tower. Caulk each in place as you go along. Center the saucer on top of the tower, and then caulk it as well. Fill with water, and you’v...

How to Consolidate Credit Card Debt

Uncategorized
Credit card debt is on the rise. Millions of Americans are in over their heads. They’re losing sleep, losing control, and worried about what the future will hold. But there are solutions, and consolidation is one of the best. Consolidation works by “consolidating” multiple debts into one. It’s the perfect solution for mounting debt, one that doesn’t destroy your credit score, liquidate your assets, or make it difficult to acquire mortgages and personal loans in the future. With that said, let’s look at some of the best ways to consolidate credit card debt. Option 1: Do It Yourself The idea of debt consolidation essentially boils down to acquiring a large, low-interest loan and using that to repay multiple high-interest debts. If your credit score is high enough, you can get th...

How to Protect Your Credit Score During COVID-19

Home Loans By State
The COVID-19 coronavirus pandemic has affected everyone all around the world. Extended isolation and sudden job losses have everyone thinking about their futures. Lots of people are concerned about losing a reliable income source during this time of crisis. Some have even been forced to shut their businesses. The global pandemic has turned many people’s financial lives upside down. As you work on keeping your bills in good standing and your finances going strong, you should also pay attention to your credit score. Even if you’re delaying some major purchases like buying a car or a home or going on a trip, you still need to maintain good credit. You’ll eventually start spending again, and you’ll need a good credit score. But how can you protect your credit score d...

How I Paid Off $38,000 In Student Loan Debt In 7 Months

Debt, Killeen, Student Loans
Lately, I have received many questions asking how I was able to pay off my student loans so quickly. I haven't talked much about my student loans since I paid them off in July of 2013, but I know many struggle with their student loan repayment plan each and every day. Due to this, it is a topic I am always happy to cover. Paying off your student loans is a wonderful feeling and I want to help everyone else experience the same.   Background on my student loans. To start off, I am going to provide a quick background on my student loans. I worked full-time all throughout college. I worked as a retail manager from when I was a teenager until I graduated with my two undergraduate degrees (I was a double major). Then, I was lucky and found a financial analyst position ri...