This site aims to inform and empower people with tools and information to help them take charge of their financial decisions.
Part of what makes financial decision-making difficult is the plethora of choices available. This site will help narrow these choices, saving readers time and allowing them to make informed decisions.
Money decisions can sometimes be straightforward; for example, deciding on whether to refinance a home mortgage. Other decisions are more difficult and may require an evaluation of one’s risk tolerance or other subjective factors. This site will focus on the process of decision-making rather than the outcome of decisions. Different people have different needs and the right solutions will depend on each individual’s circumstances. We hope to serve as a guide to resources available online. We do not accept money from the institutions we review. Our sources of funding are solely ads placed by Google and other networks.
The most important personal finance advice for many people requires only common sense. Strangely, however, many people (including intelligent and well-educated people) are somehow unable to apply it to their financial lives. Consider this: do you know someone whose company offers a match for his or her 401K and who does not invest the minimum required to take advantage of it? What about people who borrow money on their credit cards at 19% interest while investing in a 5 year CD that pays 3% interest? Clearly there is a behavioral dimension to the way we handle money. At times, being in control of our financial life will require discipline and behavior modification, not just knowledge and comprehension.
Beyond common sense we hope that our readers find answers to real-life problems and concerns. We also want to encourage you to add your knowledge to the site by commenting on what you read and by providing sites you feel we should be linking to.