It’s tax time! Have you ever considered that you could be at risk for tax identity theft? Tax identity theft occurs when a thief files a fraudulent tax return using your Social Security number and collects your refund. It also occurs when someone uses your Social Security number to earn wages and sticks you with the tax bill. Often, people do not realize they are the victim of tax identity theft until after the crime, when they try to file their taxes.

"Once a man, twice a child.” People from the Caribbean know exactly what that means. It’s the inevitable circle of life. Humans begin life as helpless children and later, we again become dependent on others for assistance. In our forties and fifties, we will all see our parents aging and becoming more dependent. Then before we know it, the tables become completely turned and we begin to assume the role of caretakers.

Your ideal savings rate depends on your goals and when you want to reach them. Are you saving for retirement? A vacation? Creating an emergency fund? There are also a variety of circumstances that can affect how much you should save. We’re going to breakdown the savings timelines and factors that go into figuring out how much to save and when.

Could you use an extra $1,000? Who couldn’t? No need to whip out your resume or ask your rich uncle for a loan. Here are five ways in which most of us can earn some cash honestly and easily.

If someone gave you $100 with no strings attached, you would it take it, wouldn’t you? Yet every year, thousands of boat and RV owners miss the chance to take home hundreds of dollars by choosing to refinance their loans at lower rates. There are plenty of reasons to refinance your recreational vehicle loan, but here are some of the best:

It’s the season for joy and happiness. It’s also the time to shop, shop, shop. The National Retail Federation estimates that Americans spend an average of $940 every year on seasonal expenses. It’s a large amount to spend in a few weeks. More significantly however, the spending is accompanied by frenzy and stress. In fact, the American Psychology Association ranks the pressure of gift giving as one of life’s top four stressors.

Two surveys came out recently that investigate how likely credit card users are to miss a payment. The first survey from Nerd Wallet polled 2,000 people to find out how many had made a delinquent payment. The second survey from CreditCards.com polled 1,000 adults to ask the same type of question.

As I approach retirement I am looking at my finances and wondering when I should actually retire and will I have enough money to live on. Will I be financially comfortable in retirement? I believe when planning for retirement you should have two goals in mind.

There are so many things you can do in under two minutes - brush and floss your teeth, make a delicious cheese quesadilla, walk 200 steps, or become a victim of identity theft! These days, identity theft doesn't just come from cyber criminals hacking multimillion-dollar organizations to steal data, it's also criminals gathering data from a simple two-minute phone conversation that could put you at risk for identity theft.

They are both small plastic cards that you can use to buy stuff and you probably have one of each in your wallet or purse. But did you know they each have distinct differences? Debit cards and credit cards can both be great tools to use when purchasing goods and services. Is one better to use than the other? First, let’s find out how each works.