Money Tips Network
Best Credit Union Student Loans of 2021
There are lots of student loan options out there, like federal student loans, personal loans for bad credit and credit union student loans. A student loan credit union option may be a good choice for students who need to take out a private loan, but don’t want to lend with a traditional bank. Credit unions […]
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The Best International Student Loans of 2021
Congratulations — you’ve been accepted to your dream school in the U.S. But now you may be wondering, how am I going to pay for my education? Federal loans are available to some students studying abroad in America, but not all. If you don’t qualify, you may still be able to get a private international […]
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Best Private Student Loans of April 2021
Students aren’t just leaving school with new friends and undergraduate degrees — they’re also bringing the stress of student loan debt along for the ride. In fact, most students now finish post-secondary school owing more than $30,000 and spend anywhere from 10 to 25 years paying back these loans. While there’s no way to make […]
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Should I Finance a Car or Pay Cash With Stimulus Money?
Earlier this year, more than 90 million American households received a substantial stimulus check from the federal government. All of them saw at least $1,400 pop up in their checking accounts, and many households received many multiples of that amount. A lump sum like that comes just in time for major expenses, like car replacement. […]
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Finding the Value of a Novelty Stock Certificate
A good friend of mine has collected Disney paraphernalia her entire life. In her home, on display, you can find Disney pins, Disney decorations, Disney movies, and, in one room, a framed Disney stock certificate. It’s a beautiful item, decorated with Disney characters and Walt Disney himself and well worth hanging on the wall, but […]
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What To Do if a Tax Document Arrives After You File
In early 2019, I thought all of my tax documents had arrived in the mail, so I sat down to file my taxes in early March. Everything looked great, so I submitted my return to the IRS and went on about my merry business. In early April, however, an unexpected document popped up in the […]
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Should You Make Extra Payments on a Low Interest Loan?
If there’s one personal finance tenet you’ll see almost universal agreement on, it’s that you should pay off your high interest debts first and keep them paid off. Accumulating high interest debt is devastating to your finances because of the sheer amount of money that it drains from your checking account with nothing in return. […]
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5 Simple Ways To Cut Expenses in College Without Cutting the Fun
It’s not a secret that the cost of college is incredibly high. U.S. News and World Report slices up the cost of college in several ways, pointing out that in-state tuition and fees alone average more than $11,000 per year for a four-year public university. Much of that is financed through student loans. On top […]
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What Should You Do if House Prices Are Up and Rents Are Down?
Most of the time, if a housing market sees home prices going up, rent prices go up, too. The reverse is true: When home prices go down, rent prices usually go down, too. Of course, the last year hasn’t been normal in many regards, and housing markets are no different. It appears as though 2021 […]
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Spending More To Live Wisely
The most fundamental principle of personal finance is to spend less than you earn and do something worthwhile with the difference. This often nudges people toward spending less in every situation, but is that really the right move? There are many situations where spending a little more in the short term results in much less […]
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What To Do When a Teenager’s Tastes Turn Expensive
Somewhere along the line, the toddlers and youngsters that used to fill my house with noise grew up into preteens and teenagers. The toys they once yearned for and constantly played with have slowly been packed away and given to charities, and their tastes have changed. They now want gadgets — cellphones, tablets, higher-end PCs […]
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When You Have To Retire due to COVID-19
Here’s a stunning fact: The Bureau of Labor Statistics reports that unemployment during the pandemic for workers 55 and older jumped from 3.3% in March 2020 to 13.6% in April 2020. The numbers settled down in the later months, but the question remains: What happened to those older workers laid off from April to July, […]
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What if Financial Recovery From COVID-19 Seems Impossible?
Some 44% Americans predict it will take three years or more to recover economically from the pandemic, according to a January 2021 Pew Research poll. One in 10 Americans believe they will never recover. For many of us, the goals we had for our lives a year ago reflect a different world than what we […]
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Preparing Your Information for Disaster
When COVID first hit, like a lot of people, I began to think about my own mortality in a new light. Here was this unknown illness that was striking people down. What if it were to happen to me? What I felt wasn’t so much a fear of my own mortality, but worries about what […]
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My new Audible course on financial independence and early retirement!
Nearly two years ago, I received an unusual email at an address I rarely check anymore. The author wrote:
I am writing to you today because The Great Courses in partnership with Audible is exploring the possibility of creating a high-quality series on Financial Independence. We believe that you may be an excellent candidate to teach such a series. I've read many articles at Get Rich Slowly and I'm always impressed by your writing and how much excellent content you create.
At first, I thought this was spam. Before I deleted the message, though, I checked the sender. Sure enough. The sender (and the message) was legit.
I wrote back:
Thank you for reaching out. I get a lot of requests for my time and typically turn them down. Not this one. I feel like this is a terrific idea and well-worth exploring. I am a long-time fan of both Audible and the Great Courses. I'm not joking.
How Does Renters Insurance Work?
If you want to know how renters insurance works, you’re in luck. Renters insurance is not only one of the most straightforward types of insurance to purchase, but it’s also quite affordable. Renters insurance protects you in a wide variety of circumstances, from coverage if your laptop is stolen out of your car, to medical […]
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Does Renters Insurance Cover Bedbugs?
You bought renters insurance to protect you against life’s what-ifs. So if you wake up with a row of small bites, you might be wondering: Does renters insurance cover bedbugs? Bad news. In most cases, you can’t get renters insurance to cover bedbugs. You’ll be on the hook for paying for extermination or the other […]
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Fixed- and Variable-Rate Loans: Which Are Better?
Reading over your loan options can feel like studying a foreign language. What is a fixed vs. variable loan? And what on earth is a rate index? Whether you are taking out a home loan or financing your next vehicle, you’re bound to come across some of the same terms. Having a fixed-rate loan is […]
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How To Get Rid of PMI, or Private Mortgage Insurance
Private mortgage insurance removal is on the minds of many homeowners because it makes up a significant portion of their monthly payment. When you put a low- or medium-sized down payment on a home, PMI is the insurance you are required to buy to help the lender not have quite so much risk. Once you’ve […]
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What Is a Mortgage Interest Deduction?
Saving up money for a down payment and closing costs has created a barrier for many would-be homeowners. To make it a worthwhile debt to incur, incentive programs were designed, like the mortgage interest tax deduction, which has made it even more attractive for renters to take the leap and incur the mortgage debt required […]
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