How to Choose Between Chapter 7 vs Chapter 13 Bankruptcy: Step-By-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado Last Updated: September 2026 The Short Answer Chapter 7 wipes out most unsecured debt in three to six months but requires passing an income test…
How to Find a Fee-Only Financial Advisor: Step-By-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado Last Updated: September 2026 The Short Answer A fee-only financial advisor charges you directly — by the hour, by the project, or as a flat annual retainer —…
Last Updated: September 2026 How 401K Contributions Reduce Taxes: Complete September 2026 Buyer’s Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer Contributing to a traditional 401(k) reduces your taxable income dollar-for-dollar in the year you contribute — meaning if you earn $60,000 and…
Last Updated: September 2026 Discover Bank vs Marcus by Goldman Sachs vs Alternatives: Which Is Right for You? (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer If you want a true all-in-one online banking experience with a checking account, savings, and CDs…
Last Updated: September 2026 How To File Taxes Self Employed: Step-by-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer Self-employed filers typically owe both income tax and self-employment tax — which covers Social Security and Medicare — and the IRS generally…
Last Updated: September 2026 Fidelity Cash Management Account Review September 2026: Marcus Hale’s Honest Take By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer As of September 2026, the Fidelity Cash Management Account typically stands out as one of the stronger cash management options for…
Last Updated: September 2026 How To Consolidate Credit Card Debt: Complete September 2026 Buyer’s Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer The fastest way most people consolidate credit card debt is with a balance transfer card or a personal loan — but…
How Many Credit Cards Should I Have: Complete September 2026 Buyer’S Guide Last Updated: September 2026 By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer For most people, somewhere between one and three credit cards is the sweet spot — enough to maximize rewards categories…
Roth Ira vs Traditional Ira: Complete September 2026 Buyer’S Guide Last Updated: September 2026 By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer If you expect to be in a higher tax bracket in retirement than you are today, a Roth IRA is generally worth…
Last Updated: September 2026 How To Deposit A Check On Your Phone: Complete September 2026 Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer Mobile check deposit — technically called remote deposit capture — lets you photograph the front and back of a check…
Last Updated: September 2026 Short Term Disability vs Long Term Disability vs Alternatives: Which Is Right for You? (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer If you have no savings cushion and an employer who offers group disability coverage, short term…
Last Updated: September 2026 What Is a REIT? REITs Explained for Beginners: Complete September 2026 Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer A REIT — Real Estate Investment Trust — is a company that owns income-producing real estate and lets everyday investors…
Last Updated: September 2026 How To Negotiate With Debt Collectors: Complete September 2026 Buyer’s Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer Negotiating with debt collectors is something most people avoid because it feels intimidating — but it works more often than you’d…
Last Updated: September 2026 PocketGuard Review September 2026: Marcus Hale’s Honest Take By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer PocketGuard is a budgeting app built around one core idea: show you exactly how much you can spend today without blowing your budget. As…
Last Updated: September 2026 What Is Title Insurance: A Plain-English Guide for Homebuyers (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer Title insurance is a one-time premium you pay at closing that protects you — and your lender — against legal claims…
Last Updated: September 2026 What Is A Charge-Off On Credit Report: A Plain-English Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer A charge-off happens when a lender decides you’re unlikely to pay a debt and writes it off as a loss…
Last Updated: September 2026 Do I Need Disability Insurance: A Step-by-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer If your income is what keeps your household running — paying rent, covering groceries, making car payments — then yes, disability insurance…
How to Budget for Christmas and Holidays: Complete September 2026 Guide By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado Last Updated: September 2026 The Short Answer The most reliable holiday budgeting approach I’ve seen — for my own family and for the hundreds of loan applicants I’ve…
Last Updated: September 2026 How To Send Wire Transfers: Step-by-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver Colorado The Short Answer A wire transfer moves money electronically from one bank account to another — typically same-day for domestic wires and one to five business…
How to Invest for a Child’S Education: Step-By-Step Guide (September 2026) By Marcus Hale — 14 years self-educating in personal finance, former bank loan officer, Denver, Colorado Last Updated: September 2026 The Short Answer The most commonly used tool for education investing is a 529 plan — a tax-advantaged account designed specifically for education expenses….
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