All socioeconomic classes have one thing in common, bad spending habits. Even the wealthy waste money on impulse buys, subscriptions, and monthly membership fees that they don’t need or use. Most of us rush to buy the latest and greatest digital device even though we...
Buying a home later in life is something many people do. Applying for a mortgage after retirement isn’t. Should it be? Having a mortgage with a low monthly payment will provide a clear understanding of what your monthly expenses will be which can be helpful...
Four out of every ten Americans use peer-to-peer payment apps like Zelle, PayPal, and Venmo as a convenient way to transfer money and now cases of P2P fraud are rising. In 2022, the total P2P fraud losses reached $1.7 billion which was 90% higher than the total...
The importance of giving back goes beyond donating time and money to help your community and the world around you. Studies have shown volunteering can help lower stress and improve overall health and wellbeing. When you donate your time for a cause, you’ll...
Understanding investment strategies can help you make better decisions so you can put your money to work and achieve future financial goals. You don’t need to become an expert, but there are principles and strategies that we follow at Alloy Investment Management to...
Americans are drowning in debt to the tune of over $66,000 per adult. Interest rates on credit cards, car loans, and student loans are rising adding to the expense of debt over time while many families are caught in a vicious cycle of charging basic needs...
