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finances

The following blog posts have the category Finances

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person using a calculatorNow that the tax deadline for 2022 has passed, as a business owner, you might be left thinking about ways to make it easier when the next one rolls around. Since many are busy enough actually running the business, it's easy to push the accounting work to the side, which is fine... until tax season approaches. By then, you have a mammoth job ahead of you.
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Travelers walking to their rental carNo matter the app or online reservation platform, renting a car can often be a headache. It's rarely clear which add-ons are necessary, costs range widely between rental companies, and what type of insurance you need. Here are some tips for navigating the rental car market.
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People waiting for interviewWith unemployment rates reaching all-time lows in many areas throughout the country and positive job projections on the horizon for the foreseeable future, finding employment should be as simple as showing up. And, in some sectors, that may be true: a record number of Americans left their jobs in 2021 and 2022, creating a market flush with openings. But many job markets and industries — those with great compensation, flexibility, and benefits, in particular — have remained highly competitive, and job seekers need to offer strong resumes, cover letters, and interviews to secure these desirable positions.
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Young couple in a new carAfter watching gas prices skyrocket, savvy buyers in Florida are thinking twice about big purchases like vacations, automobiles, and homes. While speculation seems to be vacillating between optimistic and decidedly less than, consumers are left with questions and not many answers. Does it make more sense to drain your savings to pay for a new vehicle or to finance with any number of loan options?
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Family with adult sonAmidst all the excitement (and worries, reservations, and, yes, sometimes tears) of an emptying nest, parents often fail to consider their kids' health insurance in the ensuing chaos. While most colleges and universities mandate student health insurance, those young adults choosing a different path may fall through the coverage cracks. And, navigating health insurance options and necessities can be overwhelming for even the savviest of parents.
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Credit Card Fraud Prevention: Keep Yourself and Your Business SafeFraudulent charges to your personal or business accounts can be both financially and emotionally devastating. Even if you do eventually recover the funds, the stress and time that results from having been stolen from can take a toll.
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The Five Year Equity Rule and Other Smart Moves for new HomeownersFor new homeowners, if you managed to buy a house in today's market, you definitely have a lot to celebrate. So now what? Well, whether you just purchased your dream home and plan to stay in it forever, or a property you hope to use as a stepping stone to better things, there are a few things you need to know in order to make your investment work for you.
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' . htmlspecialchars( $aNewBlogPost['META_TITLE'] ) . 'Winter is coming, and with increased costs on gas, food, and just about everything else, it's no surprise that your energy bill might threaten to strain your budget this season, too. But there's actually a lot you can do to stay cozy and warm and reduce your energy consumption this winter. Here are some ways to save on heating.
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Every type of business comes with its own unique risks. When it comes to insuring your business, you want to make sure you have the right type and amount of coverage, while not paying for coverage you really don't need. So how can you make sure you're getting the best deal, but not putting your business at risk?
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Cutting Back on the Vampire Energy SuckersMost people these days are concerned about saving money and reducing their family's carbon footprint. We do this by turning off the lights, installing energy-saving devices, and making sure our homes are efficient in whatever ways we can. But did you know that there are many appliances in your home that may be using up energy and costing you money, even when they are completely turned off? Read on to learn more about these "energy vampires" and how you can prevent them from silently wasting your home's energy resources.
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Finance Tips for Growing FamiliesStarting a family is a momentous and joyful occasion. But it can also be quite daunting for some, especially when it comes to the financial aspects involved. Frequent questions include: How much is this all going to cost? What type of insurance will I need?
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Creating a COVID Budget: Tips for spending & saving during hard timesAlthough some in the U.S. have been fortunate enough to make it through the past eight months with their bank accounts intact, there's no doubt that many of us have struggled financially this year. Many have lost jobs, been forced to temporarily move in with relatives, or just found that they couldn't quite make ends meet. While the end of the pandemic (or at least the worst of it) seems to be in sight, many of us will still be struggling with the financial fallout for some time. Here are some ways you can work to stay within your budget while money is still tight.
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If your kids have moved out, you may be spending too much on your current home. After all, you probably picked that property because of the great school district, plentiful rooms, and glut of local resources for families — none of which you're using anymore. So why are you still paying for them? Retirement is the perfect time to move into a smaller home where you can experience your golden years at a lower price point.
 
These resources will guide you through the process.
 
How to Secure Financing for Your New Home
Knowing your mortgage options based on what you can afford should be the first step in downsizing.
 
Home Affordability Calculator
Can I Qualify for a Mortgage Before I Sell My Home and Satisfy the Existing Mortgage?
Mortgage Help for Veterans
 
Searching for Your Perfect Fit
Now that you've figured out financing, it's time to look for your new home!
 
5 Types of Homes to Consider for Retirement
Planning for Retirement: House Plans for Seniors
Choosing Between Attached or Detached Homes for Retirement
 
Costs of Moving and Packing
It's important to consider all the costs of downsizing, including the moving process.
 
18 Hidden Costs of Moving
How Much Does It Cost to Work with a Professional Organizer?
Moving Cost Calculator for Moving Estimates
 
Feeling at Home in Your New Space
To make your house truly feel like home, start unpacking right away, and consider making big or small changes to the home if needed.
 
How to Unpack Efficiently After Moving
Home Improvement Projects: Are You Properly Insured?
10 Small Changes to Make Your House Feel Like a Home
Your Decorating Style Defined
 
You deserve to feel comfortable as you get older. Look through these resources and investigate your options. Before you know it, you'll be in the home of your dreams!
 
Need to make changes to your homeowners insurance? Contact Post Insurance and Financial and let's explore your options.
 
Photo Credit: Unsplash

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How to Buy a Used Car 101A used car can be a great investment and often makes much more sense than buying new. But one major downside is that you don't always know what you're getting. With just a little bit of knowledge, however, you can become a confident used car consumer.
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All About WarrantiesIn many cases, a warranty can seem like a sneaky way for manufacturers to squeeze a few extra bucks out of their customers. In some cases, purchasing a warranty might actually be a good idea. Whether you're thinking about signing up for a warranty on a major purchase, or deciding whether to pay a few extra bucks for a warranty on a small appliance while standing in line at Target, here's what you need to know in order to make the best decision.
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Ready to Sell Your Small Business? What you need to knowDeciding to sell your small business is no small decision. Whether you're moving on to a new opportunity, shifting your professional focus, or just handing over the reins to an owner with fresh enthusiasm, it's always bittersweet to let go of something that you undoubtedly poured yourself into. Here are some things you can do to ease the transition and leave on a positive note:
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For Sale By Owner: The pros & cons of selling your home on your ownShould you sell your house without an agent? It depends on many factors. As we enter one of the prime buying and selling seasons of the year, here are some pros and cons of selling your home agent-free, along with a few tips to guide you through the process.
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Older coupleWhen the last of the children head off to college or out on their own, some parents, although sad, breathe a sigh of relief. For many, getting the kids out of the house will immediately relieve some serious financial stress. But it's important to be smart with how you handle that extra income so that you're setting yourself and your children up for a secure future. Here's what to do when your dependents become independent:
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Clean Up Personal FinancesSpring is a great time to clear away the clutter and freshen your living and working spaces for the year ahead. Why not borrow the idea and give your personal finances a thorough "cleaning" too?
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