The impacts of the student loan debt crisis you might not have considered By Laurie Farros You might not know this, but the Biden administration has quietly canceled about $17 billion in student loan debt in the past year. Most of that has gone to targeted categories of borrowers, including the disabled, those defrauded by […]
Saving Money Effectively Even if You’re Bad at Saving
Why is it so hard to put money aside? Or, to put it differently, why does it appear like saving money is so difficult? I believe it is a fairly typical question that many people have. We might have more healthy savings account balances if money management was easy. Saving money can be difficult; you’ll […]
Read full story · Comments are closed
Is Medicare Mandatory?
You may start thinking of retirement and your next steps as you get closer to 65. One aspect that is sure to be on your radar is Medicare. So, is Medicare Mandatory? The short answer is no; Medicare is not mandatory. However, if you don’t sign up for Medicare, you may face financial obstacles. Medicare […]
Read full story · Comments are closed
3 Steps to Take Before You Begin to Seriously Look for a New Property
Looking for a new property can be a daunting experience, and that is why you need to be as organised as possible before you begin the process. There are a range of factors that you need to take into careful consideration prior to starting your property search. So, where do you start? Read on for […]
Read full story · Comments are closed
Never Pay Full Price for These Services Again!
The economic changes wrought by the last few years have changed everyone’s lives. With many out of work, or finding their financial situation shifting drastically, more people are embracing the frugal lifestyle and cutting back on costs any way they can. But even if you’re doing your best to cut costs, chances are there are […]
Read full story · Comments are closed
A Beginner’s Guide To Bitcoin
If you’re thinking of starting to invest in Bitcoin, it’s important that you do your research first. There can be a lot to learn when you first start out, and a lot of concepts to grasp. To help you, we’ve put together the following beginner’s guide. We will cover the basics of bitcoin, and how […]
Read full story · Comments are closed
What is an EFT: Electronic Funds Transfers
The term EFT stands for Electronic Funds Transfer. It is a way of transferring funds electronically from one account to another. The process is done through computers and electronic technology, eliminating the need for paper documentation like checks. Unlike ACH transactions, which are processed in batches on predetermined days, an EFT can be initiated whenever […]
Read full story · Comments are closed
Attacking Debt and Embracing Frugality: 6 Steps to Take
Embracing frugality for the first time is not always easy or simple. It can create unwanted stress when approached incorrectly. It can also feel too restrictive rather than a new way of living. Making smarter decisions around money is what thriftiness or frugality means. Whatever term that you’re most comfortable with, it’s about making sensible […]
Read full story · Comments are closed
10 Top Reasons Why You Should Consider Relocating To Austin TX
Austin, the capital of Texas, is a thriving, vibrant city in the heart of the American south. With fantastic scenery, diverse culture and great affordability, there is something for everyone in Austin. The economy of Austin is one of the strongest in the state, and the rapidly growing population is a clear indication of this. […]
Read full story · Comments are closed
Trying To Purchase A Home On A Low Credit Score? Here’s How You Do It
It is still possible for you to purchase a home with a low credit score. There are various different loan programs available to those on low incomes and credit scores. Here’s what you need to know. How To Improve Your Credit Score Whilst you can still purchase a piece of property with a lower credit […]
Read full story · Comments are closed
Why Your Business Needs to Have an Online Presence
The Transformation Of The Business World Before the Internet was able to be accessed practically everywhere and at any time, businesses relied on traditional methods to make their presence known. Across the country, they utilized TV and radio commercials. Locally, they often used newspaper ads, signs, and local network commercials to introduce sales and new […]
Read full story · Comments are closed
Restaurants in Minneapolis You’ve Got to Try
Founded in 1867, Minneapolis is split by the Mississippi River, which runs through it making it a popular city for anglers, boaters, and those who like other water activities. But above all, the Mall of America is the most well-known with 520 stores to peruse in over 4.8 million square feet. It even has an […]
Read full story · Comments are closed
5 Mortgage Options for First-Time Homebuyers
Buying your first home is exciting. It can also be one of the most stressful times of your life. Mortgage options for first-time homebuyers can be confusing. Unless you have hundreds of thousands of dollars in the bank, you’ll probably need a mortgage to fund your home buy. Knowing some basics about mortgage option can […]
Read full story · Comments are closed
Don’t Let Pests Ruin Your Virginia Beach Vacation
The warm summer breeze is just right around the corner, and it’s finally almost time to hit the beach. With that in mind, Virginia Beach has one of the most stunning beach-lined ocean fronts, making it the perfect location for a summer home. Who doesn’t want to live in a place steps away from the […]
Read full story · Comments are closed
5 Options for Paying Off Debt
Debt of any kind is something we all want to avoid, but let’s face it, sometimes we inevitably find ourselves owing money. Unfortunately, the COVID-19 pandemic has only exacerbated the problem. In fact, 11% of Americans worry about credit card debt and 39% of credit card users find it nearly impossible to make a purchase […]
Read full story · Comments are closed
Best Things You Should Look for in a 401(k) Plan Administrator
Once you have decided to set up a 401(k) retirement plan, the next step is to look for a plan administrator. A 401(k) plan administrator can help smoothen the process of setting up the plan and handle the administrative tasks for a certain fee. Who is a 401(k) Plan Administrator? A 401(k) plan administrator could […]
Read full story · Comments are closed
How to Build Wealth for a Comfortable Retirement
If you want to have a comfortable retirement and financially secure future, you need to think about growing your wealth right now. Think about all the adventures you can go on as well as all the free time you will have if you do not have to worry about finances in the future. Retiring with […]
Read full story · Comments are closed
How a DWI Conviction Can Ruin Your Finances
Getting a DWI can be expensive. The average cost for a first-time conviction can be close to $10,000, which doesn’t even include lost time from work or getting your car repaired. That’s a lot of money wasted on a single instance of bad judgment, and a good reason to find a Fort Worth DWI lawyer […]
Read full story · Comments are closed
When Investments Go Bad
The investment seemed like a good idea. For a while, its value increased. Then, without warning, it began to plummet. Suddenly you’re faced with a decision you’d never hoped to make. Are you fishing or are you cutting bait? In other words, what do you do when an investment goes bad? Memories When an investment […]
Read full story · Comments are closed
Things to Know About Homeowner’s Insurance Policy
As a homeowner, you need to make sure that your property is protected at all times. You never know what could go wrong and if you aren’t covered by an insurance policy, you could face a lot of expenses that are outside of your budget. For this reason, it doesn’t hurt to get clued up […]
Read full story · Comments are closed
Can You Retire Early by Living Frugally?
The idea of retiring early is one that appeals to many of us. We work hard, we don’t want to wait until we’re too old to really enjoy ourselves before we stop. We want to retire while we’ve still got plenty of time to enjoy good health and an active lifestyle. We want to be […]
Read full story · Comments are closed
What are the Benefits of an FHA Loan?
It’s a common problem to find yourself wanting to buy a property but struggling to find a lender to provide you with a mortgage. There are various reasons why a traditional mortgage may not be a good fit for you. It’s possible that you have a limited credit history, or have suffered from credit problems […]
Read full story · Comments are closed
Big Data Solutions for Telecom – Why are They Worth Investing In?
The telecommunications sector is a real data mine. Collecting and processing it can result in financial gains and the improvement of relationships online company-client. There are various other benefits that the company can draw from investing in big data analytics. That includes the improvement of market strategy and increasing the sale. And, on top of […]
Read full story · Comments are closed
End of Life Costs – How to Be Frugal to the Very End
Nobody likes to think about it. But, it’s true – even a life lived in perfect health has a 100% case fatality rate. Sooner or later, we all need to come to grips with our mortality. Planning for end-of-life expenses is part of the process. Funerals are just like weddings – their costs can quickly […]
Read full story · Comments are closed
How to Build a Financial Legacy
We all want to achieve financial freedom, and with hard work as well as having strategic plans in place, and it can be possible. Below are five insightful tips that can guide you on your journey of building a financial legacy. Define your financial legacy and put a plan in place The word ‘legacy’ can […]
Read full story · Comments are closed
Understanding Your Industry: Workers’ Compensation and Classification Codes
Every industry has its unique challenges and liability exposures. For example, construction workers face far different physical risks (like machinery malfunction, injury, and causing property damage) than those who work in IT (such as carpal tunnel, repetitive stress injuries, and eyestrain). To adjust workers’ compensation insurance rates based on these differences, insurance companies use […]
Read full story · Comments are closed
Insurance Pre-License Training and Exam Preparation
Speaking of the state insurance examinations and their preparation, they are never easy. Aspiring insurance professionals need to know the importance of mastering the different definitions and terms in this sector. They should also know the significance of being able to showcase competencies bypassing the standardized examinations. Choosing the right insurance license training program is […]
Read full story · Comments are closed
What To Look For When You’re Choosing A New Boiler
Sitting down to plan out your winter budget? As the nights get darker, it’s likely your seasonal spending will take a turn as you focus on wrapping up and keeping warm. If you’re noticing gurgling or banging noises when you turn your boiler on, your heating system is over ten years old, or your water […]
Read full story · Comments are closed
What Types of Content Are Best to Include in an Email Marketing Campaign?
Email marketing is a cost-effective form of advertising which is ideal for businesses looking to build a good relationship with their customers and drive consistent, high-quality traffic to their websites. This being said, with there being a greater focus on social media nowadays, many people aren’t sure how to go about creating their own email […]
Read full story · Comments are closed
Approved Strategies for Handling Employers Who Pay Overtime
Employees have a duty to their employers, but this comes with the responsibility of the employer to ensure fair compensation in salaries and wages. While many people seeking employment would love to learn how to get an entry level job with no experience, the reality is the job market is competitive. In the highly competitive […]
Read full story · Comments are closed
Van Life – How to Budget and Get Started
You may have come across #vanlife on one of many social media platforms. Or you may have stumbled upon a YouTube channel that provides insight into this new, nomadic way of life that millennials are embracing. It’s a mini-phenomena that’s made its presence known with over 7 million search results on Instagram. And, if you’re […]
Read full story · Comments are closed
How Minimalism Eases Financial Worry
There’s a certain beauty to simplicity. Freedom of choice is great, but sometimes too many options can become overbearing and make life difficult. Especially when it adds to financial worry. And, the countercultural movement known as – minimalism, has begun to gain ground in recent years. People in jeans and black T-shirts. You’ve seen them. […]
Read full story · Comments are closed
Struggling for Money? Here are 9 Ways to Make Financial Ends Meet
The struggle for money can be very stressful, especially with the unending financial needs that always demand satisfaction. You may be forced to compromise other necessities when trying to satisfy some of the pressing needs. In such situations, stress and depressions could be inevitable. And these can only get worse, and the results might do […]
Read full story · Comments are closed
6 Wardrobe Essentials Every Woman Must Own
Have you ever found yourself staring at your closet full of clothes and not being able to decide what to wear? What if I only had one more pair of shoes to go with that favorite outfit? Instead of spending like that, invest on some timeless pieces and the wardrobe essentials. Below is a list […]
How to Keep Your Family Safe if Something Happens to You
When we’re young, in our 20s and 30s, we often think we’re immune from illness and injury. It’s reflected in the numbers: Only about a third of people ages 21-40 have disability insurance. However, unless someone is independently wealthy, it could be one of the most important forms of insurance to have, especially at a […]
5 Common Pitfalls to Avoid When Getting Camper Loans Online
Many individuals are on board with the idea of purchasing a recreational vehicle and hitting the road. It used to be only an elderly thing but nowadays, almost everybody embraces the idea. Think about the level of freedom it offers, the convenient lifestyle it gives you, the flexibility and much more. So many people have […]
Read full story · Comments are closed
Skill Selection – How to Build a Highly Skilled Team from Across the Globe
Engaging in global business operations is a big step, so it’s important to understand how to best approach this brand of business entrepreneurship. It’s all well and good to try and re-create the attributes of a physical, regionally centered work team cross-globally, but adapting to the fluidity and mobility that this digital age provides, can […]
Securing a Stable Future: 4 Reasons Why You Should Start Investing in Your Early Years
There are many reasons it takes people decades to learn how to invest. Maybe they weren’t financially stable enough or they didn’t know how to do it properly. Whatever the reason, it’s never too soon or too late to begin investing in your portfolio. But if you can start sooner rather than later, you’ll be […]
Read full story · Comments are closed
How to Pick the Best Auto Insurance Provider
Thousands of car crashes happen on our roads every day so motorists should start taking auto insurance more seriously. And that’s not because it’s required by state laws. Auto insurance can help secure your future by protecting your financial health. It all boils down to the type of insurance coverage you will be getting for […]
Read full story · Comments are closed
Paying Heavy Taxes? Here’s What You Can Do To Save on Taxes In The New Year
Nobody likes to pay tax, but it’s unavoidable, and you’ll need to make your payments on-time to avoid penalties. However, it’s important to remember that there are some key ways you can reduce your tax liability. There are plenty of options and tax planning strategies available to help you do this. Today, we’re going to […]
Read full story · Comments are closed
A Guide to the Types of Financial Derivatives
A derivative can be referred to as a contract that gets or derives its worth from the functioning of the underlying asset. The underlying asset is an index rate or a benefit and commonly referred to as an underlying asset. Derivatives can often be utilized on many platforms and reasons which include hedging, they can […]
Read full story · Comments are closed
What Happens If I Don’t Pay Term Life Insurance Premium?
If you have taken the sensible step of arranging life cover you will already be aware of the potential financial security that decision will provide for your family. Any sort of life insurance policy takes the form of a financial contract between you and the insurance provider and there are clear consequences to consider if […]
Read full story · Comments are closed
How to Travel to California on a Budget
California is one of those destinations that a lot of people dream about traveling to. They come from all around the U.S. and the world, and the state is just so diverse in its offerings. From the Giant Redwood forests of the northern part of the state to the stunningly rugged coastline in the middle […]
Read full story · Comments are closed
4 Tips to Plan a Successful Retirement
Life may be good for now. You may have a beautiful house, a great job, the latest car and most importantly, a supportive family. There may be no worries in your life on a daily basis. But you never know when a tragedy can strike and you become low on funds. Have you ever thought […]
Read full story · Comments are closed
Discovering Diverse Namibia: Where to Go and What to Do
If you’re considering a visit to Namibia, what we can tell you is that you’re going to be blown away, surprised, overwhelmed – in awe at how beautiful, diverse and special this place is. It’s unlike anywhere you have ever been to before, and while this is incredibly exciting, it certainly does make it a […]
Read full story · Comments are closed
The Ultimate Guide to Sustainable Travel
Sustainable travel is not a trend that’ll soon die out, it’s what’s required of us as travellers to ensure we protect people and planet. While travelling is not the most environmentally friendly endeavour in itself (especially if we consider the effects of air travel), there are ways we can minimise our carbon footprint. This can […]
Read full story · Comments are closed
Your Health: Staying Safe with Medicine
Americans have come to rely on medicine to combat aches and pains to cancer. This reliance on medication has lead to unrealistic expectations and a dangerous increase in drug overdose. Here are some tips that can keep you safe with medicine. Medicine Isn’t Magic Modern medicine is a wonderful thing but keeping your expectations in […]
Read full story · Comments are closed
Motoring Money Saving Tips to Cut Tyre Care Costs in Birmingham
Have you ever come across the phrase: A little goes a long way? That applies to your tyre care regime. We all have busy lives and coping up with daily pressures becomes really challenging. But in the midst of everything if you manage to pay a little extra attention to your wheels – you can […]
Read full story · Comments are closed
Health Savings Accounts: The Benefits And Possible Retirement Options
This article has been updated for 2019 Tax Year Have you heard of the health savings account (HSA)? These accounts have been gaining steam as of late and there are a few reasons why. Before I get into why many people have been opening HSAs, let me explain what they are. The HSA is a […]
Read full story · Comments are closed
Side-Business Ideas to Earn Extra Money
Image credit: Le Buzz There are many interesting ways how to save or invest your money, but what about earning more? It’s hard to figure this out, especially if you’re working full time – then the only possible way to get more money seems to be the promotion at work. Which is […]
Why Term Life Insurance Is an Option Worth Considering
When the time comes to look at life insurance and all the different options, it can be challenging to determine not just how much coverage you need, but what life insurance plan is the best option for you. You have two main options for coverage, permanent insurance or term life insurance. Both have their […]
Using Credit Cards Responsibly: The Double Edge Sword Explained
Depending on your credit habits, you either have a love or a hate relationship when it comes to credit cards. If you love them, it’s likely because you’ve found a card that offers you a top notch rewards program or a low interest rate. With the right credit card you can travel for free or […]
The Best Brokers for Penny Stock Traders
Penny stock traders have unique requirements when it comes to selecting a broker. Since most penny stocks trade below $5, fees must be minimal, and multiple trades must be supported. Take a look at this list of the best brokers for penny stock traders in 2018. Robinhood Robinhood is the only broker that […]
The Hidden Costs of Owning a Home
Owning a Home – Investment or Expense? Owning a home has long been the American Dream. A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make. According to a recent report by CoreLogic, negative equity peaked […]
Activities to Tick Off Your Bucket List When Traveling in Utah
Utah, a classic gem to all who visits the state. This place offers a wide range of activities for kids and kids-at-heart, for passersby, for enthusiasts, and road trippers. If you are on the lookout for top things to do in Utah, then adventure, splendour, and a rich culture await you. Add up to […]
Top Travel Tips for Those Traveling to the United States
The United States continues to be one of the top travel destinations in the world for good reason. The U.S. has some of the most scenic landscapes that you will find along with popular tourist attractions such as The Grand Canyon, Yellowstone and Yosemite National Parks. There has never been a better time to book […]
Learn How to Save Money on Auto Insurance
The cost of auto insurance is very high. Insurers have increased their premiums in order to protect their valuables and, still, many of them do not make a profit. These premiums can vary by hundreds of dollars. Motor insurance continues to remain the biggest and most expensive nuisance. The good news is that, with the […]
The Ultimate Guide to Saving Money for Your Dream Trip
Everyone has a trip on their bucket list that they have been dreaming to have since they were little. However, back then you had no idea that money is a big inconvenience that can stop you from fulfilling your wish, you were just thinking about how amazing it is going to be when you reach […]
HR Tips for Small to Medium Sized Businesses
For small to medium businesses struggling to remain competitive and keep their cashflow healthy, HR often becomes an afterthought, or something you only address when an issue has already arisen. Not only can this cause ill-will in the workplace and affect productivity, in the worst-case scenario it can land employers in serious legal and financial […]
Eight Quick and Easy Tips for Saving Money Around the House
Everybody, regardless of demographics or income level, wants to lower their cost of living. Where many people get tripped up, though, is in focusing on ideas that are hard to execute properly or that have a poor return. In this article, however, we’re going to show you several easy ways to reduce the money you […]
5 Tricks to Spot Good Financial Advice
Any time you need financial advice, and you turn to the Internet for help with it, the results can be hit or miss. More often than not, this is because when you need help it’s because you don’t know enough about the topic to tell if someone is providing helpful advice, or just filling your […]
Read full story · Comments are closed
How College Students Can Save Money Shopping for Educational Software
These days, it seems that universities are forcing students to pay a lot of extra technological fees, such as hardware and software costs and upgrades, copying and printing fees, and more. But many students are finding that it is completely unnecessary to have to spend all this extra money just to successfully complete their coursework […]
Read full story · Comments are closed
5 Ways to Be Green and Save Money on Earth Day
Today’s homeowner is always looking for ways to save money around the home. Combining that with eco-friendly or green improvements can be expensive, however there are many ways you can go green and save money at the same time without spending a lot of money. Home Energy Audit A home energy audit is the first […]