Thinking about turning your part-time gig into a full-time job? Making the leap from being an employee to running your own small business can be scary due to all the uncertainties. But if you’re seriously considering taking your part-time venture full-time, the most important thing you need to do is shift your mindset. In 2016,…
There are tons of rewards credit cards out there, each with different benefits, reward rates, and rules on how you can earn or redeem those rewards. Picking the right one is crucial because you don’t want to miss out on benefits or extra cash. Here are our top 10 rewards cards. 1. **Chase Sapphire Preferred…
As a self-employed professional, I’ve worked with various e-commerce platforms, mostly handling backend tasks like setting prices and adding new products. This was often a lot of work, requiring me to sift through numerous pages and lines of code just to make simple changes. Many platforms also wanted an integrated blog, and back then, WordPress…
A Home Equity Line of Credit (HELOC) lets homeowners borrow against the equity in their home, acting like a credit line. It’s similar to a second mortgage, with the primary mortgage taking priority. Another option for homeowners is a Home Equity Loan, which provides a lump sum using their home equity as collateral. Both options…
If you’re behind on your bills or wrongly labeled as such by a creditor, a debt collector might contact you. The Federal Trade Commission (FTC), which protects consumers in the U.S., enforces the Fair Debt Collection Practices Act. This law ensures debt collectors can’t use abusive, unfair, or deceptive methods to collect debts. A debt…
If you’re thinking about opening a new checking or savings account (or maybe even both), you’re probably wondering how to pick the best bank for your needs. Since banking plays a big role in your daily life, it’s important to choose one that fits your personal requirements. Here are a few things to keep in…
When you’re in a serious relationship and considering a future together, it’s essential to have open conversations about various aspects of your life. Ensuring that you and your partner are on the same page about important decisions is key to maintaining a healthy and lasting relationship. Topics like family size, homeownership, and career goals are…
Have you hit some financial bumps in 2013? Maybe you’re grappling with debt or haven’t set up an emergency fund yet. Starting a retirement account apart from your employer’s contribution might still be on your to-do list. Or perhaps you’re worried about saving for your child’s college education as they get older. If any of…
Seeing the grocery bill climb higher and higher each day is becoming increasingly frustrating. It’s only going to get harder, particularly for people with lower incomes who can’t easily get to discount supermarkets. According to the United Nations, global food prices hit a record high in February due to rising gas prices and stockpiling by…
Shopping for car insurance often feels like a daunting and time-consuming task, and I used to think so too. But then I had to tackle it myself. A couple of months ago, I had an accident that involved my car and my house, and unsurprisingly, the house won. It was a silly mistake on my…