October 15, 2018

"Good" debt is still debt

The best type of debt has low, fixed interest rates and potential tax advantages. But as with all debt, avoid taking on more than you can comfortably repay, and be sure you fully understand the terms of your loan before you sign up. If you have to take on debt, we recommend that you consider these options:

  • Mort...

May 14, 2018

In the finance world, the debt ratio is used to measure the amount of leverage a company is taking by comparing the amount of debt a company has to its assets. When it comes to personal finance, we can use the debt-to-income ratio as a measure of the financial risk present in our own circumstances. The ratio is calculated as follows:


May 8, 2017

If you're seeking to be a financially healthy individual, one of the things you want to make sure you have is a good credit score. A good credit score is the key to unlocking affordable, accessible debt. You may not have realized it, but credit and debt are two sides of the same coin. In order for you to take on debt someone else has to i...

August 2, 2016

If you have high-interest credit card debt, want to buy a new car, or simply need some extra cash it is often very easy to dip into your 401k by using a 401k loan.  There are no credit checks, the interest rate is low, and the process simple.  But is it a good idea?  While a 401k loan can bridge tough times or consolidate debt at a lower...

July 5, 2016

In November 2015 Harris Poll conducted a survey on behalf of the financial blog NerdWallet to better understand U.S. household debt.  They found that the average American home carries $15,762 in credit card debt and $130,922 in total debt (consisting of things like mortgages, student debt, auto loans, and credit cards).  In a re...

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