Once upon a time, everyone had to buy multiple newspapers and check endless listings of classified ads if they were looking for a job, car, home or apartment. With the advent of the internet, anyone in any part of the world can now visit Craigslist, an online classifieds site sorted by city, to buy … [Continue Reading]
Credit scores are some of the most confusing, yet essential components of personal finance. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F. If you’ve never applied for a mortgage or auto … [Continue Reading]
In 2009, Ally Financial created Ally Bank, an online banking provider offering an array of low cost services not available at most other institutions. By not maintaining a physical location, Ally Bank is able to pass on the company’s savings to consumers in the form of lower fees and higher … [Continue Reading]
If you’re fortunate enough to have a job you love or are well-paid, going above and beyond what is expected of you in the workplace is key to not only keeping your job, but potentially getting a promotion and a raise. Sucking up to your boss doesn’t exactly do it and may actually cause more harm … [Continue Reading]
Leaving one job and starting another, especially in a different career or industry, can be particularly stressful. There are many good reasons to change jobs, but before leaving a position it is important to think about how this change will benefit you personally, professionally, and financially in … [Continue Reading]
Working the usual 9-5 isn’t for everyone. Even working at a brick and mortar office, regardless of your rank in the business or organization, isn’t for everyone, especially if you aren’t getting compensated for all the hard work you put in. Or maybe you have young kids at home, are a little … [Continue Reading]
With the health of the economy still in the spotlight, a steady source of income is more important than ever. Unfortunately, with the federal government requiring American citizens to own and maintain health insurance starting in 2014, the cost of premiums may be a burden for many small businesses, … [Continue Reading]
There are nearly four job applicants for every job opening and this can make it very difficult to stand out when you are applying for a new job, whether you are a recent graduate looking for your first position or a veteran candidate looking to make that jump into a new industry, career, or … [Continue Reading]
The current unemployment rate is hovering above 7% and this doesn’t account for the hundreds of thousands of underemployed individuals or the millions of people who simply gave up searching for a job and left the labor force. Worse is that millions of students are graduating college each year and … [Continue Reading]
In 2012, the Bureau of Labor Statistics released data signifying that the gender income gap still exists: on average, women make 81 cents for every dollar their male colleagues make. There are certain disparities in the data collection and reporting (the study on median weekly earnings did not take … [Continue Reading]
How much you should spend on an engagement ring depends on a number of factors including your income, financial obligations (i.e. student loans, car loans, living expenses) and how much value you place on tradition. At one time, men were counseled to spend 25%, or 3 months, of their annual salary … [Continue Reading]
Got a car you just want to get rid of, sell, or trade-in? It really doesn’t matter whether it’s an old car or just one you simply can’t afford anymore – you have dozens of options. With the used car market booming, dealerships are even cold-calling and sending out letters to find owners who … [Continue Reading]
Saving is a bit like dieting; it may not be enjoyable, but if you keep the goal in sight and exercise some restraint, you can succeed. With dieting, you make a meal plan, and with saving, you make a budget. The goals may seem like opposites since with dieting you want to get thinner and with savings … [Continue Reading]
A good or bad credit score can affect every facet of an individual's or family’s financial life, from mortgage rates and auto loans to employer background checks and life insurance rates. Lenders, landlords and even employers consider a credit score a reflection of an individual's reliability and … [Continue Reading]
Most consumers pay their home insurance in their monthly mortgage payment, so finding the cheapest coverage can lower your housing costs and avoid the problem of being house poor. Most homeowners do not realize there are easy steps they can take to get their insurance company to lower their costs, … [Continue Reading]
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