Build Your Credit Rating
Do you have poor, average, good, or excellent credit? You can think of your credit rating or as the financial equivalent of your personal reputation. It is a measure of
Should I Pay Off All My Debt? Or is Opportunity Cost Too High?
Whether you realize it or not, you generally take opportunity cost into consideration whenever you decide how to manage your time, money, or debt. Because most of us have limited resources of time and money, we generally want to use our time wisely and get the “biggest bang for the buck”.
Job Prospects Up for College Grads Though Inequities Persist in the Workplace
The 2016 job market is the best for college grads since the Great Recession. While job prospects are looking up, there’s still room for improvement.
Say More by Spending Less
In an over crowded world of limited resources, less can be more. As we transition from conspicuous to conscientious consumption, from wasteful to sustainable lifestyles, from living large to living you smart, you can say more about yourself and achieve a better quality of life, free from credit card debt, by spending less and saving more.
Invest Your Way to Financial Independence One Coffee Cup at a Time
When you invest, rather than ingest your coffee money, the compounding effect of interest paid on interest can grow small deposits into giant nest eggs over time. This is good news for everyone, because you don’t have to be born rich or make a lot of money to achieve your goal of financial independence.
The Secret to Building Wealth
The secret to building wealth is actually no secret at all: work hard, spend smart, save, and invest your money and time wisely. As every journey begins with a single step, slow and steady wins the race to financial independence. The determining factor isn’t the length of stride or the size of your deposit; it’s time. Small deposits, like small steps, add up mightily when given the time to grow.
Planning to pay for your kids college education? Take a look at the most influential companies during the first five years of their lives: Proctor & Gamble, Abbott, Mattel, Disney, Nike, etc. Investing in these companies when tthey’re young could help pay their way their college.
Myth: You can bank on your credit score
Do you have poor, average, good, or excellent credit? Knowing your credit rating is important, but your online credit score can be misleading. They do not tell the entire story.
Myth: Checking Your Credit Report Damages Your Credit Score
You have may have heard that when anyone – including you– checks your credit, your credit score goes down. For the most part, this is true, but the effect is temporary and nothing to be concerned about.
Myth: Money Can Buy Happiness
Fact: Once you satisfy your basic needs, spending more for expensive houses, cars, clothes and vacations does not add to your happiness It’s the age-old question. The answer depends upon
401(k): The Best and Easiest Way to Save for Retirement
If you start investing $100/month when you’re 25-years old, you could have a whopping $468,000 when you retire at 65.
Coffee vs Compound Interest. To Invest or Ingest?
if you’re in your late teens or early twenties, the future value of the $4 – $5 you’re spending on a cup of gourmet coffee could be several hundred dollars when you retire in another 45 years.
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