Utilize MY Options

Wealth Manager vs. Financial Advisor: What's the Difference? Learn the differences that may exist between a wealth manager and financial advisor -- both are professionals who can help you manage your money smarter. Lance Cothern Rebecca Lake 7 Key Steps to Strengthen Your Family's Financial Future Starting a family can bring some major changes to your financial plan. For... Simon Zhen CIT Bank 2024 Review CIT Bank is among the largest 50 U.S. banks and it also happens to be one of... PSECU 2024 Review: Digital-First Approach With Great Products Our review of PSECU looks at the credit unions account offerings, fee policy, convenience, and digital banking tools available to members. Simon Zhen Collision vs. Comprehensive: Optional Car Insurance Coverages Learn the differences between collision and comprehensive coverage when it comes to car insurance and when the optional riders make sense for you. Kevin Mercadante Lance Cothern How to Get Health Insurance If You Lose Your Job Job-based coverage is one of the main ways people get health insurance in the... Lance Cothern No-Exam Life Insurance: How It Works and How Much It Costs Getting life insurance is an essential part of most financial plans. The life... How to Deal with a Pay Cut or Reduced Work Hours Learn how to handle a pay cut or reduced work hours, including partial unemployment and other options to increase cash flow while you seek more income. Kevin Mercadante Mortgage Modification: How Does It Work? Find out how mortgage modifications work to help you when you're struggling to make mortgage payments -- as opposed to refinancing the home loan altogether. Valencia Patrice Higuera Valencia Patrice Higuera Interest-Only Mortgages: Compare the Pros and Cons Interest-only mortgages aren’t as widely available as they were during the housing... Lance Cothern How to Choose From the Different Types of Life Insurance If you’re considering buying life insurance, you may be overwhelmed by the... Universal Life Insurance: Pros vs. Cons to Consider Learn the pros and cons of universal life insurance to find out if the investment aspect of this type of life insurance is appropriate coverage for you. Kevin Mercadante Whole Life vs. Term Life Insurance: Which is the Right Policy Coverage for You? Compare whole life insurance and term life insurance to help you decide which is the right policy coverage for you, your family and beneficiaries. Kevin Mercadante Valencia Patrice Higuera FHA 203(k) Loan: When Does It Make Sense? Are you thinking about buying a fixer-upper? These properties are often a steal... Lance Cothern Burial and Funeral Insurance: Do You Need It? According to the National Funeral Directors Association, the national median price... VA Home Loans: A Guide to Mortgage for Veterans Learn how VA home loans work to make it easier for veterans to qualify for a mortgage, including the service eligibility requirements. Valencia Patrice Higuera Variable Life Insurance: Is It the Right Type of Life Insurance for You? Learn how variable life insurance works for people who want the cash value of their policy to encompass investment returns. Kevin Mercadante Valencia Patrice Higuera Private Mortgage Insurance: How PMI Works and When It Makes Sense For some people, buying a home is the ultimate financial goal. Homeownership is an... Valencia Patrice Higuera How to Refinance a Mortgage With Bad Credit When mortgage interest rates decrease, refinancing is an excellent way to reduce... USDA Loans: Eligibility, Income Limits and Application Process Learn about USDA loans that are available to low-income homebuyers who may not have enough for a down payment, including eligibility and requirements. Valencia Patrice Higuera Should You Use a 401(K) When Buying a House? Find out if you should withdraw from your 401(k) plan to help fund a new home purchase when you need more money, including the pros and cons to consider. Valencia Patrice Higuera Lance Cothern Coronavirus Relief for Small Businesses, Freelancers and the Self-Employed All across the U.S., small businesses, freelancers and the self-employed have... Geoff Williams Tips for Buying a Home During the Coronavirus Crisis There are a lot of reasons you may want to purchase a house or condominium,... Steps to Take If You’ve Lost Your Job Due to the Coronavirus Crisis Learn what steps you should take if you've lost your job due to the coronavirus epidemic, including where to find financial relief. Valencia Patrice Higuera Mortgage Relief Guide for Homeowners Affected by Coronavirus Find out about mortgage relief options available to homeowners with financial hardship as a result of the coronavirus pandemic. Valencia Patrice Higuera Lance Cothern Guide to the New Paid Leave Law for Coronavirus Coronavirus has been causing some serious financial consequences in our... Valencia Patrice Higuera Compare the Best Business Loans for Bad Credit in 2024 Running a company takes money—sometimes a lot of it. Even if you started your... Should You Use a HELOC to Buy a Car? Learn about the pros and cons of using a home equity line of credit (HELOC) to buy a car, including the risks and costs involved. Valencia Patrice Higuera Mortgage Recasting: When Does It Make Sense for You? Find out when it makes sense for you to recast a mortgage after considering the pros and cons -- compared to a typical mortgage refinance. Kevin Mercadante