Last week, the House of Representatives approved the JOBS Act, aiming to make it easier for small businesses to raise money and go public by simplifying the filing requirements. However, U.S. Securities and Exchange Commissioner Luis Aguilar raised some concerns, echoing what Senate Democrats and SEC Chairman Mary Schapiro have also said. Aguilar believes the…
Refinancing can be a great way to lower the interest rate on your current mortgage, which can reduce your monthly payments. To get the most competitive mortgage rates, it’s important to understand a few key points. When searching for the lowest refinance rates, there are numerous lenders online. Just like shopping for other things online,…
It’s only February, but spring break is almost here. As a parent, I know how excited my kids get about this week-long break. Waiting until the last minute can be expensive, but over the years, I’ve found a few ways to keep costs down. STAYCATION: The simplest way to save money is by not traveling…
When I was just three years old, I knew exactly what I wanted to be when I grew up and even had a plan for it, including the right academic path. I did well on my college entrance exams, which opened the door for free education at in-state colleges. But their courses didn’t align with…
Credit card debt can be a huge obstacle when it comes to achieving financial freedom. The high-interest rates and small payments make it feel like you’re not making any progress. But with some smart and active planning, you can cut down or even completely clear your credit card debt in as little as a year….
Achieving financial wellness requires careful planning and disciplined money management. I speak from experience, as I didn’t always prioritize investing, saving, or diversifying my financial portfolio. Over the years, we’ve seen the ups and downs of financial markets, and diligent investors have enjoyed significant returns from Wall Street since 2009/10. For the past six years,…
After being on hold for over three years, student loan payments are starting up again. From September 1st, interest on federal loans will start accumulating, and regular monthly payments will be required beginning in October. Are you ready for this? Many people are worried about fitting these payments back into their budgets, especially with the…
In today’s world, where corporate fraud and misconduct seem all too common, it can be tough to find businesses that stick to strong ethics and standards. When running your own business, it’s vital to maintain high ethical standards in all areas, especially when it comes to handling finances. Being responsible with your money can help…
Choosing the right rewards credit card can be challenging because there are so many options, each with different earning rates and reward systems. To make the most out of your card, it’s important to pick a top-tier rewards card; otherwise, you might lose out on valuable benefits or cash payouts. Here, we’ve selected our top…
Warren Buffet gave some great advice when he said you should save first and spend what’s left, not the other way around. It’s a simple idea, but sticking to it can be tough, especially if you’re on a tight budget. Still, saving for the future shouldn’t be ignored, no matter how much you earn or…