James, Author at Empeople

Spring cleaning can freshen up your home and eliminate all the dust or damage that winter brings to its physical appearance. Similarly, financial spring cleaning removes all the built-up grime that has hurt your ability to be financially healthy. It’s a great time to adjust how you spend, save, and invest your money to get […]

Taking on a personal loan can be a huge commitment that changes how you think about your short-term finances. If you are applying for a personal loan for the first time, then there are some things you should understand before applying that can help you understand your commitment. It’s important not to take on any debt you […]

For new college graduates, it can be tough emotionally and financially to transition into a full-time career. Not to mention, there are so many new responsibilities that come, including finding and paying for a place to live on your own or contributing to a 401(k) plan for the first time. One of the hardest things […]

Your home’s equity is a monetary value you can access now or later by selling your home or taking out a home equity loan. Your equity is calculated by subtracting what you owe on your home through a mortgage from the current value of your home if you were to sell it today. Many Americans […]

While the real estate market has benefited home sellers for the past few years, many experts believe it’s quickly becoming a better time for buyers. Inflation has been a struggle for the U.S. throughout much of 2022 and the beginning of 2023, and this might make you think home prices will follow suit. However, the […]

Saving for retirement when you are young is just as important as when you start getting closer to your golden years. The longer you have investments in the market waiting for you to retire, the higher your likelihood of having enough to retire the way you want. Not saving for retirement in your 30s could […]

Many people in the U.S. grew up being told that all debt is “bad” and that it should be avoided at all costs. However, you may have also been told that borrowing money for “good” purposes, such as buying a house, is okay. Very few people can likely get through life these days without taking […]

A recession is a decline in economic activity that often leads to higher unemployment and less economic growth. This can occur for various reasons, including inflation or a crisis in a large industry, such as the real estate crash that led to the economic recession in the late 2000s. While you aren’t likely to accurately predict a […]

Proper home winterization can save you hundreds or even thousands of dollars. It is important maintenance to help protect your home from the natural impact that the winter weather and moisture can bring. It is essential to understand what you need to winterize correctly to protect your home from damage and keep the value as […]

It is common for Facebook Marketplace to be filled with scammers looking for their next target. These Facebook Marketplace Scams take hold in several different ways, aiming to either get the items you’re selling for free, to get you to pay for something that isn’t what it seems or to send money for nothing. Most scams […]

James Brosnan

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