Investment Insight

Zelle moves money between millions of Americans every year, promising instant transfers and no fees for users. But if Zelle doesn’t charge you or your friends, how does it turn a profit? The answer isn’t obvious until you peek behind the curtain. Le…

When you sign the dotted line on a mortgage, the payment feels set in stone. But what if a small change could save you thousands and bring financial freedom years sooner? Paying even a bit more than your required mortgage payment isn’t just a smart op…

Buying your first home feels exciting and a bit scary. You want a place that fits your life and your budget. Good news, 2025 is friendlier to first-timers. Mortgage rates have eased to about 6.3% to 6.4% for a 30-year fixed, and there are more homes …

Buying or selling a home can feel like juggling taxes, deadlines, and big emotions at the same time. If you have questions about pricing , timing , or paperwork , you are not alone. That is where a real estate agent steps in. A real estate agent is …

Refinancing means replacing your current loan with a new one, usually to get better terms. Think of it like trading in a car with tough payments for one that fits your budget. With 30-year mortgage rates hovering around 6.5 percent in October 2025 , …

Feeling the pinch from a high mortgage payment? Refinancing replaces your current home loan with a new one, often with a lower rate or better terms. As of October 2025, average 30-year fixed rates hover around 6.3% to 6.38% . Even a small drop can ma…

Worried about paying higher taxes in retirement? A Roth 401(k) can help you save now without future tax headaches. It is an employer-sponsored 401(k) that takes after-tax contributions , then lets your money grow and come out tax-free in retirement . …

Saving for retirement is easier when your plan fits your tax life. That is where Roth and traditional 401(k)s split paths. Both live inside your employer plan, both use the same annual limits, and both help you invest for the long haul. The differenc…

Worried about money after your last paycheck? You are not alone. A 401(k) is a simple way to save while you work, so future you can breathe easier. It is an employer-sponsored retirement plan where you set aside part of your paycheck, often before tax…

If retirement feels distant and fuzzy, Social Security is the steady lighthouse on the shore. It is a government program that pays monthly benefits to workers and their families, designed to replace part of your income in retirement or after life’s c…