Even though more than half of all new mortgages issued in recent years have been for homeowners refinancing their existing home loans, the decision to refinance isn’t necessarily the wisest strategy for everyone.

Many baby boomers are finding that their aging parents are in need of health care assistance.

For most new car buyers, the question of whether or not to finance their purchase is academic — with the average new car price approaching $30,000, some sort of loan is usually necessary.