Creditors keep their evaluation standards secret, making it difficult to know just how to improve your credit rating. Nonetheless, it is still important to understand the factors that determine credit worthiness. Periodically reviewing your credit report can also help you protect your credit rating from fraud - and you from identity theft.
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Scott Farnes

Recent Posts
Tax breaks for charitable giving aren't limited to individuals, your small business can benefit as well. If you own a small to medium-size business and are committed to giving back to the community through charitable giving, here's what you should know.
Topics: Business Ownership, Taxes, Tax Deduction, Small Business
Many people assume tax planning is the same as tax preparation, but the two are quite different. Let's take a closer look:
Topics: Taxable Income, Business Ownership, Personal Finance, Taxes, Record Keeping, Managing Your Tax Liability, Tax Return, Tax Planning, Tax Preparation
Choosing a Retirement Destination: Tax Considerations
With health care, housing, food, and transportation costs increasing every year, many retirees on fixed incomes wonder how they can stretch their dollars even further. One solution is to move to another state where income taxes are lower than the one in which they currently reside.
Topics: Taxable Income, Personal Finance, Taxes, Retirement, Tax Planning, Financial Success
While taking money out of a retirement fund before age 59 1/2 is usually not recommended, in certain cases, it may be unavoidable, especially during times of economic crisis. If you need cash and have a retirement fund you can tap, here's what you need to know.
Topics: Personal Finance, Taxes, Retirement, Social Security
Planning and Preparing for a Successful Retirement
As you approach retirement, it's vital that you pay attention to several important financial matters to ensure a smooth transition. Here are five of them:
Topics: Personal Finance, Retirement, Social Security, Financial Success
If you employ someone to work for you around your house, it is important to consider the tax implications of this type of arrangement. While many people disregard the need to pay taxes on household employees, they do so at the risk of paying stiff tax penalties down the road.
Topics: Taxes, Tax Planning
Selecting your business successor is a fundamental objective when planning your exit strategy and requires a careful assessment of what you want from the sale of your business and who can best give it to you.
Topics: Business Ownership, Retirement, Financial Success
At some point, most small business owners will visit a bank or other lending institution to borrow money. Understanding what your bank wants, and how to properly approach them, can mean the difference between getting a loan for expansion or scrambling to find cash from other sources.
Topics: Business Ownership, Small Business, Business Expenses, Loans
According to the Treasury Department, more than 159 million individuals have already received their Economic Impact Payments; however, a recent audit found that the IRS sent $1.4 billion in stimulus checks to deceased individuals. As such, many people may have received a payment for a deceased family member or another taxpayer who is not eligible to receive a payment and may have questions about what to do. Here are some answers:
Topics: Personal Finance