personal finance
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Loans
The Top 9 Personal Finance Books
Personal finance books offer some of the best tools for reaching financial independence and stability. If you’ve tried every other tactic to try and pay off your debt, manage your finances, and stick to a budget, but still find yourself struggling to stay afloat, then maybe you can try taking a different approach. Authors who write personal finance books typically…
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Budgeting
Top 10 Money Management Apps You Can Download Right Now
When you’re busy working a nine to five and taking care of your children, you might not find the time to take care of your finances. According to CNBC, the average American is now in a personal debt of about $38,000. According to Business Insider, the average American has a credit card debt of about $5,700. If you realize you…
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Cryptocurrency
“How To Crypto” – Part Two: Storing Your Funds
You’ve successfully navigated the cryptocurrency exchange waters, and have made your first crypto purchase! Now what? You have a few options for storing your funds.
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Banking
Crypto Alternatives for Everyday Savings Tools
Remember when interest rates used to be high? Gone are the days of earning ten percent or more on a short-term certificate of deposit. Savers have long been high and dry when it comes to profitable places to stash their cash, while interest rates have been at rock bottom for years and other investments were too risky to keep savings…
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Home Buying
What You Should Consider When Buying Your First House
It may come as no surprise that there’s a lot to consider when you buy your first house – finances, where you want to live in the neighborhood, mortgage loans. But your house is where you’re going to spend a lot of your time, so you want it to be as comfortable as possible. Which is why there’s a lot…
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Credit Cards
Credit Cards as Your Automatic Budgeting Machine
When used appropriately, credit cards can act as an automatic budgeting machine to save you time and effort.
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Loans
Top Payday Loan Apps
A payday loan is an unsecured, short-term loan that is similar to a cash advance. It’s money lent to the borrower with a very high interest rate, with the promise of getting repaid at the next paycheck. If you’re in need of some immediate cash in order to make it to your next paycheck, then you might already be familiar…
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Budgeting
How to Budget When You Have a Fluctuating Income
Having a fluctuating income means that you don’t have a steady base paycheck that you can expect every month. This might apply to you if you’re a freelancer or someone who works various jobs here and there. While you may have the freedom of working when and where you want, you’ll also need to be savvier when it comes to…
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Budgeting
Efficient Tax Planning: How and When You Should Do It
Two years ago, the Republican-controlled United States Congress passed the Tax Cuts and Jobs Act. The law, which President Donald Trump signed into effect, made filing taxes easier and simpler. Even more so when we consider the already existing online tax-preparation software, alongside some handy IRS customer service features. The picture, however, isn’t as rosy as it looks. In 2019,…
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Investing
Securitization: Why It Should Matter to Every Investor
Securitization, though it may sound complex, is actually a relatively simple concept. While it is useful for efficient markets, used improperly securitization can also cause meltdowns such as the crisis of 2008 – when toxic mortgage bonds seeped into people’s portfolios causing substantial, unexpected losses for everyday investors. Understanding how securitization works, as well as the ways in which it…
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