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From: Wise Bread

By: Paul Michael

Credit: Like it or loathe it, most of us need it to survive. And the kind of credit we have access to is dependent on our credit scores. A mortgage, a car payment, credit cards, and even health care financing all impact and depend on our credit score.

The problem is, there's a lot of misinformation out there, and if you believe it, you could be doing yourself a disservice. Here are the top myths about credit scores that we have debunked for you.

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Friom: CNN Money
By: Wendy Connick

The transition from career life to retirement can be awfully bumpy. Before you decide to proceed with such a major life change, it's a good idea to ask yourself certain questions to confirm that you're ready to leave the working world.

Will I have enough income to support myself?
You may be psychologically ready for retirement, but if you're not financially ready, you'll have a pretty miserable retired life. Before taking the final leap, review your retirement savings accounts, your Social Security statement, and any other sources of retirement income you have lined up.

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From: Investors Business Daily
By: Paul Katzeff

Many people believe that renting is less expensive than owning a house. But it turns out it's actually cheaper to pay a monthly mortgage than rent in 42 states. Renting is a better bargain financially in just eight states plus the District of Columbia, according to the personal finance website GOBankingRates.com.

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From: Zillow

If the thought of negotiating the price on a new car makes you nervous, the idea of negotiating for your new home may give you hives. But unless you’ve decided to go it alone, you have a partner in the home-buying process: your real estate agent. Your agent will handle all the face-to-face negotiating as well as help you determine the best price and other elements of your offer.

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From: NerdWallet
By: Hal M. Bundrick

The down payment. Cue the dramatic, fear-filled suspense music. Yeah, it’s scary. Coming up with enough cash to put down when buying a house is the single biggest roadblock for most hopeful homebuyers. But how much do you really need?

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