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Finance

What’s in your Wallet? Yes, a credit card!

Does anybody ever pay with cash anymore?! Why is it that people use credit cards so extensively? A person who doesn’t have a credit card may feel like he’s dodging ‘a bullet of debt’ but what about the many benefits that credit cards can have on ones finances? For those who can’t control their temptations (and therefore spending habits), should stick to …

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Guide to Saving on Insurance

Insurance is one of those things we have a hard time appreciating until we need it. For the most part we loathe our monthly or bi-annual premiums and would give anything to get out of having to pay them. Unfortunately, insurance is a fact of life, but that doesn’t mean it has to cost more than it has to. Regardless of type, insurance …

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Guest Post: Keep it simple – Overcome Student Debt

Dealing with student loan debt is tough. Student loan debt is causing graduates to drown in debt and stress from these loans is not just effecting them financially but mentally and emotionally too. There is a constant growth in debt. Talking about students graduating in 2014 is indebted with almost $33,000. These numbers just would not stop there, because with …

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3 Day Multifamily Investment Coaching in NYC Nov. 7 – 9!

Elite Apartment Coaching (formerly National REIS) would like to welcome readers from All the Frugal Ladies to our three-day investment coaching event starting today in Melville, NY this Friday November 7-9. Elite Apartment Coaching is a reality based real estate consulting and training company with an investor mindset. We focus on working with investors of all experience levels that want to succeed specifically …

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Elizabeth Warren to Outlaw Credit Checks for Job Applicants

Sen. Elizabeth Warren has introduced a bill which would make it unlawful for potential employers to carry out credit checks as part of the hiring process, creating a precedent that may strongly influence US law on the matter. Her legislative initiative is co-sponsored by six fellow Democratic senators and according to Warren, also has the support of more than 40 …

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You and Your Credit Report

Many of us are confused about the way that our credit report is used as a factor for approval when applying for credit. Banks, short term money lenders, cell phone operators and even stores offering purchases on credit may access your credit report to understand what your current credit status is. They will look at your score overall as well …

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Tips For Living Comfortably on a Budget

In this day and age it seems most of us need to tighten our purse strings a little (or a lot) to deal with the economic stress. Most of us need to live ‘within our means’ as difficult as that can be at times and that usually means a limited budget (for most.) Since the dreaded recession in 2007, the …

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Crucial Decisions: Saving Money for Retirement or Your Kids’ College?

saving money coins

Daily financial struggles can transcend to something even more important: your family’s future. If you think you don’t have the resources to save for both your retirement and your kids’ college, there are several facts you need to consider before you choose one over the other. You Can Borrow for College, but Not for Retirement People use loans to buy …

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Should I Invest in Bitcoins?

Recently, a friend of mine suggested that I follow his investment path and invest in Bitcoins. It’s not an easy decision to make – Bitcoin is a relatively new-age concept and understanding how it works is not simple. From a pure investment perspective, it works similarly to stocks… you buy at a certain price and the worth of one bitcoin will go up or down. At that point, you …

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Teaching Teens About Financial Responsibility Using Debit Cards

It’s important for parents or guardians to teach their children about money as early as possible. The epidemic of college students getting into debt through a combination of financial ignorance and the lure of easy credit tells us that financial education is as important a part of child rearing as anything else. It’s reported that 76 percent of college students …

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