A security researcher recently found out that some Apple computers have a major security flaw that makes them very susceptible to hacking. This defect allows hackers to get into the system without being detected. Sarah Edwards, a forensic analyst at the SANS Institute who specializes in finding evidence of computer hacks, shared her concerns. She…
A Home Equity Line of Credit (HELOC) lets you tap into the equity of your home as a credit line. Think of it as a second mortgage, with your first mortgage being the primary lien on your property. Have you ever had to choose between a HELOC and a home equity loan? A Home Equity…
Starting to build credit is an important milestone when you step into adulthood. Your credit score is like a passport for key financial transactions. If you want to get a loan, buy a car, lease an apartment, or make big purchases, your credit history will be crucial. Lenders and landlords rely on it to gauge…
If you own a pet, you probably care a lot about their wellbeing. As pet owners, we’re often ready to do whatever it takes for our furry friends, which is why dogs have earned the nickname “man’s best friend.” Vets know this too. Feeling like you need to take out a second mortgage to cover…
Investing can be really confusing, and choosing the right financial strategies feels overwhelming at times. If you’re looking to simplify things and still enjoy good returns, you might want to consider index funds. They can make your investment journey a lot smoother. Investing in index funds is a practical way to grow your wealth. After…
After our baby was born, my partner and I figured it was a good idea to start looking into life insurance. It’s really important to make sure your family is taken care of financially if anything happens to you. We decided to get life insurance and started researching what affects its cost. Here’s what we…
Earlier this year, Dan Price, the CEO of Gravity Payments, made headlines by cutting his own salary so that his employees could earn a minimum of $70,000 a year. But that’s not the only significant sacrifice he has made. To strengthen his payment processing company, Price took out a mortgage on his home and sold…
Recently, I got a disheartening message from my bank showing a negative balance in my account, leading to the dreaded overdraft fee. Has this ever happened to you? It’s surprising how easily it can occur, even when we think our finances are in check. According to the Consumer Financial Protection Bureau, Americans collectively pay around…
If you hire anyone, whether they’re working casually or permanently, full-time or part-time, volunteer or paid, you must have Employers’ Liability Insurance. This insurance needs to cover at least £5 million. Failing to comply can lead to legal actions by the Health and Safety Executive and hefty fines each day. In the worst cases, you…
Two weeks ago, I talked about the crockpot and upright freezer, two of my favorite budget-friendly kitchen gadgets. It’s well known that cooking at home is not only healthier but also easier on your wallet. The right kitchen tools can make home-cooked meals simpler and quicker. Here are three other cost-effective kitchen appliances that everyone…