David Marshall 
Updated for 2025 Owning a second home or vacation property is a dream come true for many people. Whether it’s a beach house, a cabin in the mountains, or a condo in a bustling city, these properties provide a retreat from the everyday grind and offer a chance to relax and recharge. However, it’s important … Read more
Setting short-term financial goals is one of the smartest moves you can make—especially in a year like 2025, where rising costs, fluctuating income streams, and economic uncertainty are part of daily life. While long-term plans like retirement or homeownership matter, short-term goals provide the structure, clarity, and small wins you need to stay financially strong … Read more
Financial stability rarely happens by accident — it’s usually the result of intentional planning. Long-term financial goals give you direction, help you prepare for major life events, and keep you grounded when short-term setbacks appear. Without them, it’s easy to get stuck reacting to emergencies or living paycheck-to-paycheck without ever building toward something bigger. Goals … Read more
Home insurance is a crucial aspect of homeownership that provides financial protection against various risks and damages. Environmental hazards, on the other hand, are potential dangers that can pose health risks and cause damage to our homes. In this blog post, we will explore the link between home insurance and environmental hazards, why it is … Read more
In today’s economic landscape, individuals often face various financial challenges that can impact their lives and long-term goals. Two significant challenges many people encounter are high mortgage rates and student loan repayment. In this blog post, we will explore strategies for navigating these financial challenges, providing insights on dealing with high mortgage rates and making … Read more
Insurance can feel complicated — full of exclusions, fine print, and unfamiliar terms. Yet understanding your policy is one of the smartest financial moves you can make. Customizing your coverage through endorsements and add-ons ensures your policy actually fits your life, not just a standard template. Understanding the Basics of Insurance Policies Before tailoring coverage, … Read more
Student loan debt has become one of the most pressing financial challenges in America. With total student debt now exceeding $1.7 trillion, millions of borrowers are navigating repayment stress that limits their ability to save, invest, or plan for the future. For some, military service offers a powerful path toward relief. From federal loan forgiveness … Read more
Student loan debt continues to affect millions of Americans. With more than 45 million borrowers holding over $1.7 trillion in student loans, this growing financial burden has become one of the country’s most pressing economic challenges. For many, debt delays milestones like buying a home, starting a business, or saving for retirement. While federal loan … Read more
Every successful business starts with a clear vision — and that vision is sustained by financial goals. These goals act as a roadmap, helping organizations allocate resources wisely, measure progress, and stay focused on long-term stability. Whether you run a small startup or a growing enterprise, setting specific, actionable financial goals can make the difference … Read more
For millions of Americans, student loan payments represent one of the largest monthly expenses. Rising education costs have left many graduates juggling loan payments, rent, and basic living expenses — often on entry-level incomes. For borrowers facing this reality, income-driven repayment (IDR) plans can be a financial lifeline. These federal repayment options tie monthly payments … Read more
