Dale DeVries

Budget Your Way Into the New Year

Take just a few hours of you time now to your entire year financially better for you and your family. This is also a great time to teach the children about money and how it should be used. Gather the whole family together and make budgeting a fun project...

Your Credit Score: How Is It Determined?

You may know what number your credit score is but have you ever wondered how that number was determined? By understanding how the credit bureaus come up with your score can help you to improve it, or at least, not allow it decline.

What You Need to Deduct Mortgage Interest Paid

In order to deduct mortgage interest that you have paid out over the year certain conditions must be met. The IRS has rules about what is a valid mortgage, what is deductable interest and what is considered your home.

What is a HELOC and How Does It Work?

Do you know what your options are when it comes to borrowing on the equity in your home? You don't want to borrow all the available funds if you don't need it right now. However, you don't want to borrow too little and find out you need...

Business Plan Elements: A How to for New Businesses

If you are starting up a new business, the elements of a business plan will be a little harder to prepare than if you’ve been in business for a while. However, this will be the most important part of your loan application, if you need capital funding...

The W-4

Filling out any IRS form can be intimidating, however this is a simple form that only takes a few minutes to complete. It comes with instructions and worksheets and is a necessary form for all employers to have to withhold the correct amount of federal...

How Does a Credit Card Work

Before you apply for a credit card there are many things to consider. You want the credit card that best fits your needs without paying many of the unwanted fees. There are ways to compare the terms and types of cards so you are sure that you are getting...