Category: Education & Money

Money and education ideas to consider

Understanding Interest: Things to Know

Without a calculator or Google, can you answer the following questions? If I borrow $2500 for the year at 9.25% APR, what is the total amount that will need to be repaid? Better yet, how much money will I get each year if I invest $2500 into a CD at 2.08% APY? The interest rates […]

Choosing a Small Loan: Here Are Some Options

Are you considering getting a small loan? It’s a big decision. Consider the following before making your decision. Many Americans are still worried about the economy. In fact, according to Harvard University’s Institute of Politics poll, a weak economy is the #1 concern for most millennials these days. This concern comes with a few good […]

Strategize Your Debt With a Plan

You can get out of debt! However, it’s going to require a strategy. Here is what you need to do. List Our Your Debt The first thing you want to do is list out your debts according to payment. You can add the total balance if you’d like, but the point of this exercise is […]

Bank versus Credit Union: A Comparison

Confused about the differences between a Bank and a Credit Union? Please don’t be ashamed; from the outside looking in, they can appear to be very similar at first glance. Today we will explore some of the differences you should probably be aware of, as well as some of the benefits. The Big Banks A […]

Money Market Accounts: The Benefit

When most people think about saving money, they think about a simple savings account. You might have even thought about getting one yourself. You may already have one, but do you have a strategy in mind, or are you just putting money away in hopes of something great down the road? Well, if you are […]

CD Ladder – What You Should Know

Are you looking for a low-risk investment strategy? Have you heard of a CD Ladder yet? If not, allow me to share this little nugget of knowledge with you. You may already know that saving money is essential these days. You may also know that investing your money is probably wise. However, you may be […]

Refinance Your Credit

Have you had your mortgage or auto loan for a while now? Have you looked at interest rates lately? If you are like most people, shopping interest rates each year may not exactly be a priority. Perhaps it should be. Maybe you could refinance your credit at the same time. There are plenty of reasons […]

Money, Jobs, Banks and Debt

Wages have stagnated for years, but prices continue to increase, and the value of our labor decreases. This is essentially robbery, and education (or the lack thereof) is not helping. While you are working the same job with the same effort, the value of your labor decreases, and you can buy less with the money […]

Raising Minimum Wage

I received a message about minimum wage that said – Bernie Sanders said, “They’re just factually wrong. In my state of Vermont, our minimum wage is $8.60 compared to the national minimum wage of $7.25. We have one of the lowest unemployment rates in America. You have states where there is virtually no minimum wage […]

Is Education Worth It?

Over and over and over again, we see the headlines: “Why a College Degree May Not Be Worth It,” “Higher education: Is college worth it?” or “The diminishing returns of a college education.” I want to talk to you about this for a bit because this is a HUGE problem, in my opinion. Let’s begin […]