David Marshall 
Refinancing is one of those financial terms people throw around like it’s always a good move. “Rates are down? Refinance!” “Need cash? Refinance!” But here’s the truth: refinancing a mortgage can either save you thousands of dollars or cost you more than it’s worth — depending on when and how you do it. With the … Read more
If you’re carrying a balance on a credit card, you’ve probably felt the sting of high APRs. With average credit card rates hovering above 20% in 2025, even a modest balance can snowball into crushing debt. That’s why balance transfer credit cards — often advertised with 0% APR introductory offers — look so appealing. But … Read more
If you’ve ever opened a credit card statement and felt confused by the numbers, you’re not alone. One of the most important — and often misunderstood — numbers on that page is the APR, or Annual Percentage Rate. APR determines how much it costs to carry a balance on your credit card. It’s the difference … Read more
When the Federal Reserve changes interest rates, it’s not just a headline for Wall Street. It shapes what you pay on your credit card, what you earn on your savings, and whether it makes sense to refinance your mortgage. On September 17, 2025, the Fed cut its key federal funds rate by 0.25 percentage point … Read more
What Just Happened — And Why It Matters In a surprising turn, the U.S. economy contracted by 0.3% in the first quarter of 2025, according to an April 25 report from the Bureau of Economic Analysis (BEA). This marks the first quarterly decline in GDP since 2022. What triggered the contraction? A 41.3% surge in … Read more
The automotive industry in 2025 is facing a pivotal moment. Sweeping tariffs introduced by the Trump administration are reshaping how cars are built, sold, and priced in the United States. While intended to boost domestic production, these policies are sending ripples through supply chains, dealership lots, and household budgets across the country. From factory layoffs … Read more
Prescription drugs are one of the most commonly used parts of health insurance—and one of the most confusing. In 2025, the system has become even more complex, with tiered formularies, pharmacy networks, changing legislation, and rising out-of-pocket costs. This guide will walk you through how prescription drug coverage works today, what’s changed in recent years, … Read more
For many people, medical expenses don’t just threaten their health—they threaten their finances. Even with insurance, the out-of-pocket costs from deductibles, copays, and unexpected emergencies can derail your budget if you’re not prepared. But with the right strategy, you can plan for healthcare costs just like you plan for rent, groceries, or savings. This guide … Read more
Navigating health insurance can feel like learning a second language. Between deductibles, networks, premiums, and policy jargon, many people just try to “pick a plan and hope for the best.” But one of the most commonly misunderstood elements of health insurance comes after the deductible: coinsurance and copays. While they both involve sharing costs with … Read more
As gold hits record highs and markets reel from political interference, we examine how Trump’s attacks on the Federal Reserve and aggressive tariff strategy are shaking global confidence — and what it could mean for everyday Americans. A Moment of Financial Uncertainty The financial world is trembling, not because of a black swan event or … Read more
