Personal Financial Advice from a former Certified Financial Planner
What is Rakuten? Is Rakuten legit, or is Rakuten a scam? Can you really earn hundreds of dollars using Rakuten to shop online? How does Rakuten work? Ebates is now Rakuten. Rakuten bought out eBates and renamed it, just like it did with buy.com. Rakuten is legit and Rakuten is …
With articles and talking finance people constantly talking about mortgage rates, rising mortgage rates, and highest interest rates in 20 years, you might be wondering what the normal mortgage interest rate actually is. There are actually many different types of mortgages. When people talk about mortgages generally, or generically, they …
Understanding Auto Loans: Prime vs. Subprime, A Comparison In today’s economic landscape, inflation and resuming student loan payments, are causing financial strain for many Americans, leading to record-high default rates on auto loans. The situation is reminiscent of the financial crisis in 2008, but this time, it’s the auto loan …
The best deal at Costco right now saves big money for chocolate and sweets lovers I don’t usually do this because while there may be some real benefits (and some real pitfalls) of shopping at Costco, I like to keep writing “the new” rather than updating pages about things like …
After nearly a half century on this planet, McDonald’s has become one of my favorite dividend stocks. You see, every 10 or so years, McDonald’s stops growing, or starts having lower sales, or whatever. There is panic all around, the CEO gets replaced, and then McDonald’s goes back to doing …
The Federal Reserve Board voted not to raise interest rates at their October meeting, finally realizing that the runaway freight train of interest rate hikes might be more detrimental to economy than the inflation that they are supposedly fighting. Did the Fed Stop Too Late The big question on everyone …
One of the questions I’ve gotten a lot over my financial career is how to start investing. The reality is that just about any way you start investing is a good way to start investing. Unfortunately, the idea of an investment account, a brokerage, and investments themselves can seem overwhelming …
Although there is a growing movement that finds a college degree unnecessary, many jobs and arrangements still require a college degree. In other cases, the lack of a degree may hold back certain opportunities for future advancement. Higher education is often viewed as a prerequisite for career stability and upward …
For most people, a credit union offers a better banking platform than a traditional bank. Here are the biggest credit unions in Colorado to get you started. Remember, bigger is not always better and smaller Colorado credit unions might offer better value for your situation. There are over 100 credit …
Credit unions and banks are both financial institutions that offer similar services such as checking accounts, savings accounts, loans, and credit cards. However, there are some key differences between the two that make credit unions a better choice for many people. Regulatory Foundations: A Brief Background Before diving into the …