prositesfinancial

Credit Card Negotiation Options and Risks

Credit card debt is one of the most pervasive financial issues faced by Americans, with the average credit card balance as of 2016 being $5,551. If paying off your credit card debt is proving to be a substantial challenge, or worse is making it difficult to pay critical household expenses such as groceries, rent, medical […]

Written by prositesfinancial • Apr 17 • 4 minute read

Why Dave Ramsey Might Just Be Right About Using Only Cash

The truth is, most of us just don’t have the self-discipline necessary to use credit cards responsibly. We live in an advertisement saturated consumer society that encourages us to spend, spend, spend at every possible opportunity, and everywhere we go. As a result, most Americans are up to their eyeballs in debt with the national […]

Written by prositesfinancial • Jan 7 • 4 minute read

Using a 529 Plan To Save For College

A 529 plan is a savings plan that is used to save money for college which offers certain benefits and some financial aid. 529 plans are quite versatile and they can be used for other things too, such as K-12 tuition bills. The Types of 529 Plans There are a couple of different types of […]

Written by prositesfinancial • Jan 7 • 4 minute read

Top 10 Easy Ways To Save Money Today

Many of us feel like we can never seem to make enough money to make ends meet. It might be drowning in credit card bills or trying to make a student loan payment, but there’s always a reason why we don’t have enough money. While it would be ideal to make more money at your […]

Written by prositesfinancial • Jan 7 • 4 minute read

Key Tips About Student Loan Debt

Overall, the need for student loan debt reform is clear. However, current economical conditions and increasing education costs don’t bode well for any significant changes in the near future. With the student loan debt now surpassing credit card and auto loan debt, it is more important than ever to take precautions and prepare as much […]

Written by prositesfinancial • Jan 7 • 4 minute read

How to Repair Poor or Badly Damaged Credit in 7 Simple Steps

If you have managed to damage your credit score for whatever reason, it is definitely in your best interest to repair it as soon as possible in order to maximize both your opportunities and financial savings. Why Your Credit Score Matters And Why You Should Fix It: Having a bad credit score can affect your […]

Written by prositesfinancial • Jan 7 • 4 minute read

How To Begin Building Your Credit

Starting you credit history is the perfect opportunity to begin good spending habits. With over 45 million Americans you are not alone in this pursuit, and there is a method to the madness. There is so much information out there it may be hard to decide where to begin, but after a little research you […]

Written by prositesfinancial • Jan 7 • 4 minute read

Managing Holiday Vacation Requests in a Small Business

It’s the end of the year, and you are looking forward to holiday meals spent with family and close out another year at your business. Some business owners dread this time of year, overwhelmed by how much still needs to be done and unsure how it will all happen. Others look forward to it in […]

Written by prositesfinancial • Aug 6 • 4 minute read

Asset Allocation Basics for New Investors

You can think of Asset Allocation like slicing up a pie. The pie is your investment portfolio, and the slices are made up of different forms of investments such as cash and various securities. These might include such investments as stocks, bonds, mutual funds, ETFs, REITs, private equity, and cash equivalents. The idea here is […]

Written by prositesfinancial • Aug 6 • 5 minute read

Stock Market Investing: Where to Begin?

Perhaps you have saved up a bit of extra cash and have been wondering how to put it to work, or maybe you have a larger amount, but it is not currently growing, and you’d like to work towards having a healthy retirement nest egg in the future. Whatever your reason for being curious about […]

Written by prositesfinancial • Jul 23 • 5 minute read

What is A Forensic Accountant?

The term “forensic” may bring to mind crime drama on TV, but forensic accountants are more than just Excel jockeys who happen to deal with criminal or civil cases. These accountants possess many other skill sets that make them especially valuable. Forensic accountants themselves may conduct investigations. Because of this, they must be well versed […]

Written by prositesfinancial • Jul 15 • 3 minute read

Streamline Your Small Business Cash Flow With These 5 Tips

Regardless of the size of your business or the state of your cash flow situation and strategy, there are certain things that apply across the board. If your cash flow strategy could use a boost, here are several ideas to help you operate more efficiently, bring you to profitability and keeping you there. 1. Go […]

Written by prositesfinancial • Jun 25 • 3 minute read