Advice & Expertise Blog

Articles in September 2017

  1. September 29, 2017

    When you’re starting out and living in a studio apartment and eating ramen, the thought of having more money can seem like a distant dream. However, you can make that dream a reality by launching a side hustle.

  2. September 27, 2017

    A secured credit card uses a cash deposit as collateral. Normally, the cash deposit will be equivalent to the spending limit on the credit card. This allows the issuer to lower their risk taking on a new credit card user. The collateral works as a back-up plan for the credit card issuer; if the credit card bill isn’t paid on time, the issuer can use the deposit to pay off the balance.

  3. September 25, 2017

    One of the largest expenses you have is housing. Renting an apartment can eat up 30 percent or more of your income, leaving little left over for building an emergency fund or paying off debt. In fact, the median rent nationwide is $1,001.

  4. September 21, 2017

    Most consumers understand the benefits of having a credit card, but it can feel overwhelming to choose from a seemingly endless list of options. Credit card companies and financial institutions offer dozens upon dozens of deals depending on your financial history and goals, and every card brings with it different terms, interest rates, and perks.

  5. September 20, 2017

    Moving for a new job — or at the request of your current employer — can either be an exciting or terrifying prospect. For some, getting to know a new city and possibly getting a pay bump along the way are big incentives to say yes. For others, change and uncertainty can leave them feeling anxious.

  6. September 19, 2017

    Millennials may be the largest living generation on Earth, but that doesn't mean they don't face their share of financial hurdles. For example, millennials face higher levels of student loan debt than ever before, rampant unemployment or underemployment, an increasingly expensive housing market, and a world where owning costly gadgets and technology is the norm.

  7. September 15, 2017

    If you’re a recent graduate, you likely have polished your resume, bought an interview suit, and spend huge chunks of your day scouring job boards. However, if you haven’t taken the time to check out your web presence, you could cost yourself that coveted first job.

  8. September 13, 2017

    With summer behind us and fall on its way, it’s just a matter of time until the festive season hits. Once Halloween comes and goes, an explosion of twinkling lights and non-stop sales will last for months. Holiday shopping season will kick in, culminating on Black Friday followed by weeks of last-minute rushing to find the perfect gifts. It will be here before we know it, which is why you should really start planning now.

  9. September 12, 2017

    Have you ever read the terms and conditions of a frequent flyer program? These documents were clearly written by teams of lawyers, and sometimes you almost have to be a lawyer to figure out how to redeem your miles. If you’re fed up with trying to decipher these complicated “reward” programs, then perhaps it’s time you reconsider how you earn your rewards and which credit card you use.

  10. September 11, 2017

    When you have student loans, rent and an entry-level salary, saving for retirement is probably the last thing on your mind. However, it’s important for your future. Studies have found again and again that Americans are unprepared for retirement. That means it’s likely that many could be in desperate straits when they are older. Starting to save now, when you’re young and time is on your side, can ensure you’re comfortable throughout your lifetime.

  11. September 8, 2017

    On Thursday, credit reporting agency Equifax announced that a cyber security attack on their systems occurred. The company says that the data breach exposed customers’ personal information, including names, addresses, Social Security numbers and even driver’s license numbers. They also got a hold of thousands of credit card numbers.

  12. September 7, 2017

    According to a recent survey from Allianz Travel Insurance, the average American may be spending more money on vacation than ever before - approximately $1,798 on average as of 2016. That’s a lot of dough to spend on travel, yet 50 percent of respondents to the Allianz study said they were confident they could pull it off.

  13. September 6, 2017

    Starting a new job can be exciting, but it’s also easy to feel stressed out by meeting your new team and completing all of the necessary paperwork. When your employer hands you the information on your health insurance options, you might be tempted to just pick the cheapest plan and move on. But doing so can end up costing you in hefty medical bills later on.

  14. September 5, 2017

    If you have high interest credit card debt, personal loan debt, or other mounting bills, a balance transfer credit card could be the answer to your prayers. Once you qualify for a balance transfer credit card, you can score 0 percent APR on transferred balances for anywhere from 12 – 21 months. Best of all, some balance transfer credit cards offer low fees or even no fees to consumers who qualify.


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