How to set money goals
There’s no doubt about it: thinking about money is stressful. In fact, a study shows that money outpaces both personal relationships and work when it comes to inducing stress. But not thinking about […]
EIDL Loan requirements: What are they?
“EIDL” is short for an Economic Injury Disaster Loan and EIDL loans are available to small businesses, most private nonprofit agencies and small agricultural cooperatives. Backed by the U.S. Small Business Administration (SBA), these loan funds […]
Boomers own the most homes in America. Here’s why
Mortgages are the largest debt owned by many Americans, which is why it’s often recommended that homeowners pay off their balances before they retire. That way, homeowners will have more money freed up and […]
Guide to employee benefits for small businesses
To build a great team, it’s important to retain your best employees. One of the most influential factors in keeping employees happy on the job is offering benefits. Managing benefits can be tricky and costly for […]
How to plan for your future
If you were given the choice between having a secure future where you can accomplish goals and achieve dreams or being financially insecure, it’s unlikely you would make the latter choice. To help turn […]
The importance of setting your long-term financial goals
Long-term financial goals are a daunting subject. A long-term financial goal is typically something that’s at least seven years ahead of you, which can feel like forever away. But setting long-term financial goals can allow […]
How Bitcoin ATMs work
What is a Bitcoin ATM? A Bitcoin ATM is a standalone machine or kiosk that serves as a portal for customers to deposit cash and receive Bitcoins. Some crypto ATMs offer only Bitcoin, while others […]
Why having emergency savings should be a financial priority
Life can be unpredictable, and financial setbacks can crop up at any time–whether that’s a job loss, medical or dental bills, a fender bender or a major appliance that suddenly stops working. An emergency savings […]
Boomers: Master these 16 practical money skills before you retire
Everyone wants to enjoy a comfortable retirement, but unfortunately, this goal feels out of reach for most people. Individuals approaching retirement can increase their chances of financial stability by working to master practical money skills that […]
What is a hedge fund? A jargon-free guide
If you’re confused about what a hedge fund is, you are not alone. Part of their allure is their exclusivity and secrecy. Hollywood only adds to that mystique in portraying hedge fund managers, such as […]
7 reasons all kids need to learn about money
Did you know: 50% of American households live paycheck to paycheck 44% of Americans don’t have enough cash to cover a $400 emergency expense The average American household’s credit card debt is $5,700 A third of Americans have saved nothing for retirement 80% of Americans’ retirement plan is […]
Nearly half of Americans retire in debt. Here’s how to beat the odds
They don’t call them the golden years for nothing — American consumers spend much of their lives working toward retirement, so many have probably thought about their ideal retirement and how to make it […]
How to plan the ultimate debt payoff strategy
Debt often has a negative connotation, but there are plenty of good reasons to have it — for example, using student loans to increase your earning potential, funding an entrepreneurial venture with a small-business […]
3 common debt payoff strategies
In the U.S., debt is a reality for many Americans. According to the Federal Reserve’s most recent report, our total national household debt is $13.95 trillion. That’s a lot of student loans, car loans, mortgages and […]
Protecting yourself from charity scams
Giving back during the holiday season can feel great. When you donate a portion of your hard-earned money to charitable causes such as homelessness, wildlife preservation, or hunger relief, you could potentially make a positive impact on […]
Should I spend my year-end bonus?
If you were lucky enough to receive a year-end bonus, way to go! It can feel great to get a pat on the back that takes the form of a deposit into your account. An […]
America’s best small & mid-size cities
Over the past 18 months, almost half of Americans either moved or thought about it. If you look into your options, you’ll find that the most livable places in the U.S. aren’t necessarily the biggest, […]
Need a seasonal job? These companies are hiring
If you are hoping to make some extra cash for the holidays, companies are looking to fill hundreds of thousands of seasonal positions in 2021. From retail and shipping to work-from-home customer service, businesses need people willing […]
5 easy ways Boomers can improve their computer skills
I often get asked, “How did you learn so much about computers?” My answer is, “I learned most of my knowledge and skills through online research.” That answer is often met with blank stares […]
Vitamin U: What it is, what it does, & how to get it
I received an email this week from a new listener, who writes: “I just found your podcast this year and I’m working through the episodes. I’m currently on the episodes from 2010. I’ve been learning […]
20 ways to win a real estate bidding war
In a hot real estate market, finding your dream home can be frustrating, no matter how many tools and websites you use. No sooner do you find a home you love, but you find out the […]
What is Filecoin (FIL)? How to buy FIL
By now most people have heard of established cryptos, like Bitcoin or Litecoin. But it seems like every day there’s another newcomer on the scene. Filecoin (FIL) is one such cryptocurrency that is drawing curiosity. […]
Partial payments for debts
Whether you’re paying for college, buying a house, or starting a business, it’s common to take on debt at some point in your life. Repaying that debt typically involves making a fixed or minimum […]
What is a private blockchain? Public vs private blockchain
The term “blockchain” most often implies a public blockchain. The Bitcoin blockchain, the first-ever created, is a public blockchain, and for a time it seemed like all blockchains functioned the same. But in […]
5 steps to create & launch your small business website
Welcome to the internet! You made it this far, so we’re guessing you have some idea of how this works: Need some information? Go to the internet. That’s why your new business is going […]
Don’t let these feelings keep you from fixing your finances
What’s keeping you from fixing your finances? Despite strong economic metrics over the last decade, only 28% of Americans are considered financially healthy, 17% struggle in almost all financial aspects of their lives, and another 55% are […]
What is an interest-bearing account?
Oftentimes, one of the first things you should do to get your personal finances in order is to set up an interest-bearing account, like a savings account. This type of account is safer than putting your […]
Life insurance & wills: If you have one, do you need the other?
As a company that sells term life insurance, we get one question a lot: What’s the deal with life insurance and wills? And that question is really a lot of questions bundled into one: How does […]
Are EIDL loans taxable?
Should you expect to be taxed on emergency help? The SBA’s Economic Injury Disaster Loan (EIDL) program has historically been reserved for businesses impacted by declared disasters throughout the U.S. But in 2020, the […]
When do student loans start accruing interest?
Student loans — federal or private — begin accruing interest when they’re disbursed, and the borrower is responsible for paying the interest on all but subsidized federal student loans during grace periods or deferment. […]