If you’re a blogger, you might remember starting out with the hope that someone would read your posts. Initially, your audience was probably just family and friends. But over time, thanks to your networking, your blog grew. After a year or two, you might have even started earning a decent income. What began as a…
This article is brought to you by Michael from CreditCardForum.com, a site that focuses on credit card discussions and reviews. Michael specializes in reviewing and ranking the best cash back credit cards, and today he’s going to explain the ins and outs of credit card rewards programs. Back in the 1970s and 1980s, it was…
The average American spends about 42 minutes a day shopping, but only about 35 minutes on social interactions. This information comes from the annual “American Time Use Survey” by the U.S. Bureau of Labor Statistics, which looks at how people over the age of 15 spend their time. Interestingly, people tend to socialize more on…
Lower fuel prices might sound like good news for most people, but it’s not so great for oil producers since their profits are taking a big hit. The price of crude oil has dropped by more than 50% compared to last summer, significantly affecting major companies like Exxon Mobil and Chevron. For instance, Chevron recently…
Understanding the challenge of buying a home in today’s economy, it’s evident that first-time buyers have it tougher than a decade ago. With many couples earning only minimum wage, securing a mortgage from major banks seems almost impossible. If you feel sympathetic and want to help these first-time buyers, this guide offers some practical advice….
Taking charge of your finances is crucial. You want to make sure your bank accounts come with useful features like reasonable fees, good interest rates, and reliable information via monthly statements or online access. The perfect bank account should make transactions smooth and help you keep track of your spending and saving. Essentially, your bank…
One of the main reasons to consider life insurance, no matter the size of the policy, is that your premiums are determined by your age at the time you apply. Younger people generally get lower rates compared to middle-aged or older folks who are in similar health. In 2005, the Life and Health Insurance Foundation…
To make paying off your debt easier, you might want to think about debt consolidation. This means taking out one big loan to pay off a few smaller ones. The main perk is that you only have one loan payment to deal with, usually with just one interest rate. This simplicity is why many people…
Is there ever a perfect financial time to plan for a baby? As someone who’s faced an unexpected pregnancy, I have pondered this question many times, and I’m sure I’m not the only one. Initially, raising a child without solid financial security was tough. Even after getting to a better financial position, the thought of…
Walgreens and Rite Aid, the second and third largest pharmacy chains in the U.S., are set to merge. This merger will make Walgreens the largest pharmacy chain, surpassing CVS. However, before this happens, the merger needs to get through an antitrust review, which is part of a broader trend of consolidation in the healthcare industry….