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One of the best things you can do for your finances is to be realistic about the cost of credit cards. Unfortunately, too many of us believe that a credit card limit represents “our” money. However, it’s important to realize that credit cards represent money that you are borrowing. Whenever you borrow money it comes …
If you’re into index funds, chances are that you know about Vanguard. Indeed, trading Vanguard index funds and ETFs can provide you with a low cost way to invest with the help of dollar cost averaging. However, while you can get access to some amazing index products, there are downsides to Vanguard, including the relative …
Recently, I attended the Financial Blogger Conference. There were a number of interesting sessions, but one of the most inspiring was the opening keynote from Adam Baker of Man Vs. Debt. In his keynote, Adam shared the Golden Circle, as described by Simon Sinek. If you are looking for a way to energize your career, …
Later this week, I’m headed to the Financial Blogger Conference, being held in Denver. I look forward to an awesome weekend of meeting with fellow bloggers, and seeing a little bit of Denver, since it’s not a city I’ve spent a lot of time in. And I’m excited that it will be mostly tax deductible. …
There are a number of reasons that people open IRAs. IRAs offer a great deal of flexibility in terms of investments you can include in your account, as well as opportunities for you to choose whether you want to pay taxes on your income now, or later. Another reason that many people like Roth IRAs, …
When it comes to life insurance, more than 50 million in the United States aren’t doing an adequate job. So many families lack the life insurance coverage that is needed to ensure financial stability after the passage of a breadwinner. Due to this state of affairs, Jeff Rose is launching a Life Insurance Movement in the …
One of the most well-known brokerages is Charles Schwab. This is a venerable brokerage that was a more traditional brokerage before brokerages became a big deal online. Now, of course, Charles Schwab offers online brokerage accounts, and it’s possible for almost anyone to invest with Schwab. Additionally, Charles Schwab provides banking and lending services, as …
One of the ways that you can improve your financial situation, as well as improve your credit, is to pay down debt. Paying down debt can boost your credit score, and it puts you in a better financial situation. As long as you have debt — especially high priced credit card debt — you are …
When you have poor credit, it can really stymie your attempts to build a solid financial footing. You can’t get access to the same financial services and deals, and it can be difficult to move on from there. Credit repair is desirable if you have poor credit. There are a number of reputable companies that …
In most cases, the conventional wisdom on credit cards is to avoid paying an annual fee. An annual fee, that you pay for the privilege of borrowing money, seems like a terrible idea to many people. However, in some cases it might actually make sense to pay an annual fee. Do the Rewards Offset the …
One of the ways to automate your finances and easily manage your expenses is to have some bills automatically deducted from your checking account. Automatic deductions are great, since you don’t have to worry about being present to make a payment, and you don’t need to write a check. However, before you decide to have …
If you are looking for a full-service online broker, but with discount prices, you might consider OptionsXpress. This is one of the more popular online brokerages, providing investors with access to a variety of possibilities, at a low cost. OptionsXpress has been around since 2001, and in 2011, it became a subsidiary of Charles Schwab. …
We know that one of the most important things you can do for your long term finances is to prepare for difficulties with the help of cash. Cash offers you more liquidity that many other assets, including stocks, and it comes with the added bonus of not losing value. When you invest in stocks or …
Big brands do this all the time; people wear cloths with companies’ logos and names, think Nike, Old Navy etc’. Cars have their manufacture symbol in the front and the back of the vehicle. Apple have their logo on every product. Consumers are proud and happy to be seen with the products they use! Big …
When many of us think of making charitable donations, we think of cash. However, it’s also possible to donate clothing, household goods, and other items to charity — and receive a tax deduction. Recently, I took almost $700 worth of clothes, shoes, and accessories to the local religious thrift store after cleaning out my closet, …
One of the investing tools that is rising in popularity right now is the Individual Retirement Account (IRA). The Roth IRA has received a fair bit of attention lately, but the traditional IRA is also in high demand. This is because an IRA can be opened by anyone with earned income. This means that you …
There is no shortage of brokerages out there. If you are looking for something simple and laid back, though, you might consider using Kapitall to manage your portfolio. I first came in contact with Kapitall because I know one of the co-founders, David Neubert. I started a while back, when Kapitall was just a portfolio …
I’ve been in a couple of auto accidents. It’s always a nerve-wracking experience, whether it’s your fault or not. Eventually, you are likely to be in an accident, whether you make a mistake, or whether you are affected by someone else’s mistake. When you are involved in an accident, you will eventually want to contact …