Kali Hawlk

Kali Hawlk

Financial Writer

I write about Personal Finance, Money, Saving, Investing, Debt and Credit, Real Estate, Careers, Business, Entrepreneurship, Freelancing, Writing, and more.

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2 times adjustable rate mortgage makes perfect sense article

2 Times an Adjustable-Rate Mortgage Makes Perfect Sense

Given that interest rates make such a big impact on how much your mortgage costs, it makes sense to do what you can to get the lowest rate possible. And this is where adjustable-rate mortgages can start to look appealing. In two cases especially, it makes perfect sense to go with an ARM: when you plan to pay off your mortgage quickly, or you plan to move out of the home within a few years.


The Best Wealth-Building Tool You're Not Using

Pairing a tax-deferred account with something like a Roth gives you a balanced approach to retirement savings. But wouldn't it be nice if an account existed that allowed you to contribute money tax-free, withdraw money tax-free, and enjoy the earnings of the account tax-free?

There's good news if you're interested. An account like this exists and can help you build your wealth if you know how to use it.


Thinking About Refinancing? Here's 5 Reasons Why You Shouldn't | Sapling.com

As nice as that sounds, it could be too good to be true. Refinancing isn't as simple as waving a magic wand and dropping your interest rate.

It's a more complicated process with no guarantee that you'll save money or repay your loans faster -- and you could be giving up a lot when you do refinance.

If you're thinking about refinancing your student loans, hit the pause button until you read this and understand the 5 biggest reasons you shouldn't.

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What you need to know about: The stock market

Here’s what you need to know to understand the basics of stocks, asset classes, and risk so you can start learning how to invest.

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What you need to know about: buying a car

Buying a car involves choosing between countless options. This guide walks you through each step of the process, including every factor you need to consider before getting the keys.

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How to Use Your Health Savings Account (HSA) as a Retirement Tool

For people enrolled in one of these HDHPs, chances are they’re familiar with the HSA, which stands for health savings account. HSAs are useful, tax-advantaged savings vehicles that allow consumers to contribute pre-tax dollars to a fund they can use for out-of-pocket medical expenses.

What HSA users may not realize, however, is that they can also hack their HSA and transform it into a tool for future retirement savings.


Email Hosting for Small Businesses

In the same way that a web hosting company rents space to you on their servers for you to set up a website, email hosting providers run email servers you pay to access.

How to choose a real estate agent article

How to Choose a Real Estate Agent | Unison

The right real estate agent can make or break your home buying experience. You need to work with someone who is knowledgeable, professional, and accessible — and you actually need to like the person, too.

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Content Marketing for Retailers: How to Build an Audience Online

Outbound marketing is characterized by retailers proactively getting in front of customers. That isn’t all bad. But it’s not always effective, since it depends on demanding attention — and it’s usually expensive.

Thankfully, there’s an alternative: inbound marketing. Instead of demanding attention of your ideal customers, inbound marketing earns that attention from market segments that you actually want to sell to.

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What is Product Branding and Why It's Essential in Retail

Without a strong brand behind your product line, there’s little to compel a buyer to choose you over another option. And with so many options in most markets today, branding is more important than ever.

Product branding gives the items in your store an identity within the marketplace. Good branding can allow your specific products to stand out against what a competitor offers, and engender the kind of brand loyalty that pulls customers into your store (even when it’s just easier to grab something online).

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5 Genius Hacks To Pay Your Mortgage Every Month

Mortgage payment taking a bite out of your budget? Use these hacks to make it easier to pay each month, and speed up your loan repayment in the process.


How to Make an Offer On a Home

Putting an offer in on the home you want to buy is often a nerve-wracking and emotional process. It requires expert understanding of the market in general and of the specific property to determine what kind of offer is most likely to seal the deal.

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Customer Service Tips: How to Deal With Angry Customers

As hard as you try, you can’t please everyone. From mistakes your company makes to shoppers who are just downright unpleasant or rude, finding a way to handle angry customers is a reality you must face as a retailer.

But it doesn’t need to be complicated — and in fact, you can view dealing with angry customers as an opportunity to put these great customer service tips into practice to make a lasting impact on your business and your customers.

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Point of Purchase Marketing: How Retailers Can Optimize POP Areas for Higher Sales

This strategy attempts to market to shoppers who are already in the store and ready to make a purchase — and it provides a last-minute way for retailers to influence the details of that decision.

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What you need to know about: taxes

Whether you’re filing your taxes for the first time or fifth time, it can be tricky. Here’s an overview of what you need to know about the paperwork and process.