Diana Kearns and Michael Kearns, Realtors Real Estate Agent

Diana Kearns and Michael Kearns, Realtors

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5 Financial Tips for First-Time Parents

By The Kearns Team via RISMedia - October 04, 2020
Photo courtesy of RISMedia So a baby is on the way? Congrats! Along with the chaos of, well, everything that is to come, your finances are about to experience an upheaval, as well. According to the U.S. Department of Agriculture, it will cost upwards of $245,000 to raise a child born in 2013 to the age of 18—and this does not include college. Feeling that bank account burn already? Below are fiv
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Understanding Credit Card Offers: Are You Reading the Fine Print?

By The Kearns Team via RISMedia - September 15, 2020
Image provided by RISMedia The fine print at the end of a credit card offer letter can tell a consumer a lot more about how good—or bad—the offer is than the main area of the marketing letter, where flashy photos and less text are more likely to catch the eye. But the small-font text in the last pages of a credit card offer are less likely to be read than the bigger, main points early on. At le
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The Benefits of a Hardship Plan

By The KearnsTeam via RISMedia - August 30, 2020
Photo courtesy of RISMedia If you’re buried in credit card debt, there’s a reasonable solution that your credit card company may allow you to use, but only if you ask about it. A hardship plan, also known as a credit card payment plan, can help dig you out of debt and ultimately improve your credit score. A hardship plan can also save you money in interest payments and reduce your monthly credi
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6 Small and Easy Steps to Improve Your Credit Score

By The KearnsTeam via RISMedia - August 01, 2020
Photo courtesy of RISMedia The best way to improve your credit score is simple, but not always that easy: Reduce your debt. Paying off your credit cards, or at least paying them down substantially, will not only increase your credit score, but having less debt will probably be more satisfying than a great credit score. And not using your credit cards anymore and paying off the balances is easie
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Books to teach young readers about money

By The KearnsTeam via RISMedia - July 02, 2020
Photo courtesy of RISMedia Reading books to your children is fun, and one of the great joys of parenthood is watching them learn to read by themselves. Lessons about personal finance and how money works can be included in books you read to children, or in books they read with you or on their own. Here are some good books about money that are aimed at kids, listed by title, grade level and pric
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How to Save The Earth and Your Wallet

By The Kearns Team via RISMedia - June 15, 2020
Photo courtesy of RISMedia For many people, adopting an eco-friendly lifestyle is high on the list of worthwhile efforts. For others, it’s all about stashing cash. Consumer editors at Good Housekeeping Magazine suggest a few simple and relatively inexpensive tips that can aid in both pursuits: Lighten up on laundry. Tests show that switching from a top-load to a front-loading washer can cut you
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Why You Might Want to Delay Your Retirement

By The Kearns Team via RISMedia - February 22, 2020
Photo courtesy of RISMedia If Social Security benefits are your only means of paying for retirement, then you’re probably best off collecting them as soon as you are eligible. But if you can hold off a few years, the benefit increases substantially. Claiming Social Security at age 62 reduces benefits by as much as 30 percent versus waiting until the full retirement age of 67. Waiting beyond ful
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