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Budgeting
Living paycheck to paycheck is not an unusual situation. Many Americans live in that reality every single day of their lives. Modern life is expensive. For most families, it’s easy for a string of bad luck to force their finances into the red. If you’re one of the many Americans who worry about paying their […]
8 minute read
Budgeting
Finally moving out of your parent’s place and into your own space can be an exciting and monumental time in most young adults’ lives. However, before you start planning your décor or buying new furniture, it’s wise to figure out how much you can afford. Forming a budget to rent an apartment can be a […]
7 minute read
Credit
Although most adults have a credit report (and credit score), few people actually check them regularly. Or at all. Even worse, plenty of Americans have no idea what these things say about their spending habits, accumulated debt, or financial future. Some surveys show that only about one-third of Americans have bothered to check their credit […]
8 minute read
Credit
You hear a lot about how important it is to have good credit. It may not always seem fair that your finances are so closely tied to this abstract number. However, the entire credit industry is going to use your credit score to determine your financial reputation. That reputation will determine how they treat you. […]
9 minute read
Investing
I first learned about short selling from my Dad. It was in the dot-com crash of the early 00s, when practically every investment was going down. Many people lost their savings because they plowed too much money into ridiculously-valued tech stocks. Looking back in retrospect, these stocks were already so high that they had no […]
11 minute read
Investing
Sometimes, timing is everything. It was 2016 when I first bought stock in VEREIT. They are a real estate investment trust that trades on the NASDAQ stock exchange. It was apparently going to be a turnaround story. I wanted to get in because the CEO, Glenn Rufrano, was known to be an expert in turning […]
10 minute read
Financial Advice
Many people make financial resolutions in January when New Years rolls around. They promise themselves that they will get their finances in shape and manage their money better. But how many of us actually keep these promises? We’re already halfway through the year. How many of those resolutions were you able to keep? There’s certainly […]
8 minute read
Financial Advice
Getting your first apartment is a rite of passage. Whether you’re finally moving out of your parent’s house or leaving your dorm days behind, the freedom of your first place is exhilarating. It does come with many more responsibilities as well. First and foremost, of course, are the new expenses you’re going to have. Moving […]
7 minute read
Make Money
According to Seed Scientific, only about 30% to 40% of job-seekers who reach the interview stage end up receiving a job offer. Unfortunately, those raw numbers suggest that you have a 60% to 70% chance of not getting hired after your interview. However, it’s possible to slightly rig the game in your favor. Proper preparation […]
7 minute read
Save Money
Buying from a road-side produce stand or a locals farmer’s market is an amazing experience. They are some of the best options for getting fresh (and often organic) fruit, vegetables, meats, and other products, while still supporting local farmers. Farmers’ Markets are certainly a better choice for fresh, high-quality, in-season produce. The prices there are […]
7 minute read
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Banking
I have been banking with the same institution for 18 years. That means I get a little panicked at the thought of switching to a different bank. Between direct deposits and automatic bill paying, the task of changing to a new bank feels long, complicated, and potentially messy. It doesn’t have to be that way […]
5 minute read
Banking
Every time the new year rolls around, it’s natural to start thinking how you can optimize your finances. A high-yield savings account is a foundational step for long-term financial growth and freedom. If you already have one, that’s great. However, it’s always good to be looking around for institutions that might have better options than […]
4 minute read
Banking
Most of us have bank accounts. Or a bank product, at the very least. Whether it’s a savings account, credit card, checking account, line of credit, or some other service, you more than likely deal with a bank on some level. A lot of business relies on having fast access to our money. We also […]
5 minute read
Banking
It’s not often in life that we get second chances. When we do though, it’s typically in our best interest to take them. Whether you’re able to make anything of that second chance is often left up to fate. However, there are certain instances where the power to change your future lies square in your […]
5 minute read
Make Money
According to Seed Scientific, only about 30% to 40% of job-seekers who reach the interview stage end up receiving a job offer. Unfortunately, those raw numbers suggest that you have a 60% to 70% chance of not getting hired after your interview. However, it’s possible to slightly rig the game in your favor. Proper preparation […]
7 minute read
Make Money
Receiving a pink slip from your employer is a tough reality that almost everyone has to face at least once. No matter the reason for your job loss, it’s incredibly difficult to have the rug pulled out from under you. You may experience a feeling of hopelessness, not knowing exactly what to do next to […]
8 minute read
Make Money
Many labor market experts believe COVID-19 will have a lasting if not permanent effect on the way people engage with employment. The huge shift toward remote work, which was sparked by the pandemic, is still going strong. Many companies, including multiple major players in the technology industry, have already integrated offsite work into their current […]
4 minute read
Make Money
Many people have always dreamed about being able to work from home. The pandemic certainly pushed millions of people into remote working, whether they liked it or not. On the other hand, it provided plenty of proof that employees are clamoring for work from home jobs to become the new standard. Although not every job […]
8 minute read
Save Money
Buying from a road-side produce stand or a locals farmer’s market is an amazing experience. They are some of the best options for getting fresh (and often organic) fruit, vegetables, meats, and other products, while still supporting local farmers. Farmers’ Markets are certainly a better choice for fresh, high-quality, in-season produce. The prices there are […]
7 minute read
Save Money
A Costco membership can do a lot more than help you stretch your grocery budget. A membership at Costco comes with many perks, some of which you might not even be aware of. Take a look around a Costco outlet and you’ll see that deals and discounts can be found everywhere. If you’re trying to […]
6 minute read
Save Money
With unemployment at record highs and job security often unstable, you might find yourself strapped for cash. One potential solution is to lower your monthly bills. We’re not just talking about cancelling services either. It is actually possible to negotiate with some companies for lower rates. While it won’t be easy, it’s possible to negotiate […]
5 minute read
Save Money
If you are like most Americans, you have been paying into Social Security your entire working life. It’s typically done through payroll or self-employment taxes. It’s possible that you (and your employer) have contributed hundreds of thousands of dollars over the decades. Now, as retirement creeps closer, you might be wondering how much of those […]
7 minute read