Credit cards tend to have a bad reputation these days thanks to skyrocketing levels of consumer debt. Anyone who has had credit card debt knows how crippling it can be. However, credit cards do have a good side to them if they are used in a responsible manner! Reward programs are the one major benefit…
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At the end of every month, my phone goes off with the sound of tenants paying rent. It’s a beautiful sound that sends endorphins flowing through my body as I know I’ve just made some income. To me, this is passive income but is real estate the best form of passive income? Is real estate…
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After years and years of perfecting your particular craft, you want to share it with the world and teach others. You decide you want to write a book, or at least you think you do. Just one problem. How’s an average person like you going to do that? The answer is to self publish on…
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In the world of personal finance, ratios are confusing. There are hundreds of them and very few are applicable to the average person. Some do though, like the debt to income ratio. All too often this extremely important ratio is confused with another, the debt to equity ratio and that’s a problem. Debt to income…
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Today I turn 25. It hurts to even type that but here I am alive and happy. This post is all about my inner thoughts. Nothing here is SEO (search engine optimization) friendly, the spelling and grammar will suck, there is no keyword research involved and frankly, I don’t think many people will read it.…
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For 99.99% of us, buying a home will be the largest purchase of our life. It’s one of the most exciting times in your life and also the scariest. You get to call a place home, decorate it how you want, and just make it yours. Unfortunately, long after you’ve bought your house and made…
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Having a good reliable bank is one of the key things you need to do to make your financial life easier. In my book, Young, Dumb, and NOT Broke?! I wrote about how setting up your accounts was one of the three pillars to financial success. One of the problems people constantly express to me…
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In 2017, President Donald Trump signed a major overhaul to our tax system. This new system promised to help the average American pay less in taxes and keep their hard earned money. To be honest, I didn’t really know how Trump’s tax plan would affect me until now. My taxes have been filed and I…
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This morning I wanted to run an experiment and take to Twitter to see what was happening on this beautiful Sunday morning. If you didn’t know you can search certain terms and see who is tweeting about what. Usually, this is done by picking a certain hashtag but it’s also possible to just type in…
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One of the first articles on this site was about credit scores. It is absolutely one of the basic necessities of personal finance that for some reason, people just neglect. That article, Save Yourself Thousands by Understanding Your Credit Score, gives a great macro view of credit scores and what all goes into building them.…
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