Are you getting the best rate of return on investment? Kiplinger's Personal Finance Magazine annually discusses ways to boost your investment yield in its latest issue. I have to say that I am always pretty disappointed with their recommendations. I love the magazine, but I didn't really care for a list of mutual funds and Exchange Traded Funds (ETFs). But, I wanted concrete ideas on how to earn a 10% annual rate of return on my investments. US Treasuries are earning less than 1% and money market funds are not fairing much better. Certificates … [Read more...] about The Ultimate Guide to Earning a 10% Rate of Return on Your Investments
Thanks to all of the rewards credit cards available today, there are plenty of financial incentives to get us to spend more money (and sadly not very many incentives to save, with interest rates being as low/nonexistent as they are). Wouldn’t it be great if you could find an easy way to save money on purchases you were going to make anyway, without the cumbersomeness of clipping coupons from your local newspaper or searching the web for good deals? Luckily, there’s an app for that! It’s called Ibotta and it lets you instantly earn cash back … [Read more...] about Review of Ibotta – Earning Cash Back with the Ibotta App While Shopping
There are many dangers lurking on the internet, and the masterminds of the dark web spare no one when trying to find data and personal information that can be exploited. One of the most common threats is a phishing scam, a ploy in which a fraudster is fishing to gain access to your personal information. Through fake emails or fake webs site that look like some of the more trusted companies like PayPal or eBay, they trap people in sharing their information. Most of the schemes will try to trick you into giving your user name and password so … [Read more...] about How to Protect Yourself From Phishing Scams
Whether you’re an established enterprise with multiple employees and a brick-and-mortar location or you’re a work-from-home freelancer with a side gig here and there, chances are you have monthly business-related expenses to cover. While some freelancers, consultants, and other solo-preneurs typically cover these expenses with their personal credit cards, you could be missing out on valuable opportunities to get extra perks while paying for business expenditures. Fortunately, applying for a business credit card is just as easy as applying … [Read more...] about Do You Qualify for a Business Credit Card?
Who wants to think about their own mortality when you just got a new job with an exciting company and things are looking up for your career? To be fair, most people would prefer to never think about when they might die and what would happen to their loved ones if it happened earlier than anticipated. However, confronting the reality that humans simply don’t live forever is an unfortunate part of life, especially when you have financial considerations to make, such as deciding on a new life insurance policy. If you don’t currently have your … [Read more...] about Should You Rely on Employer-Provided Life Insurance?
Whether you are looking to get into the world of online retail or taking an existing business to the digital playing field, you will be pleasantly surprised to find many eCommerce options available to you. However, not all eCommerce platform providers are the same. It’s best to understand your business’ needs first and choose the provider which best suits you. For newcomers, the differences may often be hard to find or understand. This breakdown of 5 of the leading eComm builders should put things in order, and help you make the … [Read more...] about eCommerce Comparison: Which of the Leading Platforms Is Right for Your Business?
The cost of raising just a child nowadays could cost as much as a house (if not more) over the span of 18 years (not including college tuition!). This enormous price-tag has a lot of potential parents wary about starting a family, especially when they’re still paying off student loans, saving for a home and enjoying youthful hobbies like traveling while they still can. A recent survey of adults aged 20-45 years old found 43% of them waited longer to have children due to financial concerns, so you’re not alone in wanting to postpone having a … [Read more...] about How Parents Can Fight Back from the Rising Cost of Raising a Child