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Budgeting
Buying Textbooks on a Budget
Every college freshman is warned about the high cost of textbooks, and they never really get it until they buy their first textbook and have to shell out $150. However, this is actually unavoidable, as you should be able to find options that are less than half the price. Here's how.
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Budgeting
Good or Bad Idea: Living in States With No Income Tax?
In 2018, more Americans moved to Oregon and Idaho than any other state (except for Vermont). Meanwhile, the State of Washington ranked sixth nationwide in terms of incoming domestic migrants. Perhaps most noteworthy is that Washington is amongst the states with no income tax, but Idaho and Oregon aren’t. Why, then, did more people move to the latter two than…
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Banking
How the New Banking Rules Make It Easier to Get a Loan
In 2010, then President Barack Obama signed the Dodd-Frank Act into law. After the financial crisis, many banks had to maintain a certain amount of liquid assets. If any loanees default, these institutions would still have enough funds to pay their depositors back and honor other financial obligations. Just as importantly, firms had to report their finances to the federal…
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Budgeting
Tracking Spending to Improve Budgeting
Budgeting is promoted at nauseum and it is still not enough. But, without an important ingredient to budgeting – one that is not discussed nearly as often – the process itself will be far less effective. The insights that tracking spending can provide are so impactful to the way you look at your money. The simple awareness of when you…
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Insurance
Costco Life Insurance: What You Need to Know
Many consumers find it difficult or stressful to think about taking on another monthly bill, even more so when it is related to their death. Some people are considering the Costco life insurance policy because it is cheaper. However, there are a few things that you should know before making a decision. It is a common mistake to underestimate the…
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Investing
When to Start Investing
To keep things simple, the best time to start investing is as soon as possible. It would be great to end the story there but, there is more to say. The truth of the matter is that there are some things that should be taken care of before investing. If you have high interest debt, such as credit card debt,…
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Investing
Funds With the Biggest Shares of Stock You Want to Own
There are many companies on the market that people wish they could have a piece of. They would love to add them to their portfolio for security and growth while they beat themselves up over not investing in them when they were younger companies. You are wasting your time thinking about investments you believe you should have made a long…
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Investing
The Stock Buyback Hype
Stock buybacks have been in the news frequently in the last few years. Some say they are responsible for the markets’ new all-time highs, pointing to the fact that buybacks are increasingly occurring in record numbers. Others cite them as a harbinger of healthy company growth. So what exactly is a stock buyback, how does it work and what are…
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Auto
Refinancing Your Car Loan: the Pros and Cons
Everyone loves saving money – it’s a constant battle to try and find the best ways to cut back on expenses and stick to a budget. This is why it might be time to refinance your car loan and get your finances back on track. If you have a new job and a better credit rating than you did when…
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Budgeting
Realistic Essential Budgeting Elements for the Broke College Student
When you don't have much money to start with, it's really hard to make a budget and stick to it. However, there are some nonnegotiable items in your budget that you need to take care of before everything. If these elements aren't prioritized, you'll find yourself in a deeper hole, getting behind on bills, and with nothing for emergencies. Broke…
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