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5 Challenges of Choosing a Career

“When I grow up, I want to be a ___________.”

Depending on who you are, filling in the blank above can be an exciting, troubling or outright confusing task. If you happen to be a kindergartner, filling in the blank is awesome, because at that age, dinosaur and superhero are both perfectly viable career options. If you happen to be in high school, filling in the blank can be motivating because it takes all your talents and interests and captures them in a single goal that you can pursue through high school and past graduation day. If you happen to be an adult, filling in the blank can be a little bit terrifying because that could mean you’re now a grown-up (regardless of whether or not you feel like one) and here you are, still secretly looking for ideas.

Choosing a career path is a big deal. Even if you don’t consider yourself career-driven, your choice of vocation will inevitably influence your lifestyle. Income is only part of the equation—your career also has the ability to determine where you end up living, who you end up meeting, and the activities you end up having time for. So why is it so challenging to choose the right career? Read on. Continue reading “5 Challenges of Choosing a Career”

4 Questions to Ask Yourself Before Signing a Mortgage

Asking the right questions is an important part of every financial decision you make, and home ownership is no exception. If you’ve been thinking about buying a place, preliminary research will turn up a long checklist of questions for you to ask at every part of the process. There are questions for your financial institution, questions for your mortgage broker and questions for your real estate agent. But what about the questions you should be asking yourself? Continue reading “4 Questions to Ask Yourself Before Signing a Mortgage”

3 Ways to Counter the Effects of Inflation

When most people think of inflation, their response is usually similar to when they see a vintage advertisement: reminiscing about the cheaper prices of the past (15 cents for a burger? Awesome!) while simultaneously feeling some resentment towards today’s ever-rising prices. Generally, inflation is seen as a frustrating “financial fact of life” that passively affects everyone as price levels climb and as the dollar’s purchasing power decreases over time.  Continue reading “3 Ways to Counter the Effects of Inflation”

6 Ways to Avoid Payday Loans (and other expensive scams)

Like local car dealerships and personal injury law firms, short-term and payday lenders tend to have the most annoying commercials on TV. They’re often tacky and annoying, and tend to air during daytime talk shows or very late at night. Their promises of “fast cash!”, “guaranteed approval!” and no “credit check required!” are enough to make you change the channel—and yet, if you ever find yourself in a situation where you need to get your hands on some extra money fast, those commercials might start making sense to you. Continue reading “6 Ways to Avoid Payday Loans (and other expensive scams)”

5 Tips to Shop Smarter Loans

Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few).  Continue reading “5 Tips to Shop Smarter Loans”

Earning Money Online: What’s Your Time Worth?

It’s hard to ignore the appeal of making real money online—after all, we live in a world where bloggers land book and movie deals, where top YouTubers are multimillionaires and where celebrities collect thousands of dollars in exchange for a single sponsored tweet.

While some of us dream of a wildly successful Internet career, the rest of us are happy to settle for online earnings that are a little more modest. Continue reading “Earning Money Online: What’s Your Time Worth?”

Are Checks Obsolete?

Checks hold an odd place in our personal finances. In many ways, checks seem like relics from a previous era. We maybe write one or two checks a month (usually for rent or similar bill-paying situations where electronic payment simply isn’t an option). This is vastly different from only a few decades ago, when checks represented more than 85% of all non-cash retail payments. (Can you imagine whipping out a checkbook in line at the grocery store? Times have certainly changed!) Continue reading “Are Checks Obsolete?”

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A Millennial’s Guide to Surviving the Holidays

The holidays offer an abundance of reasons to stress- from the family gatherings, the appetizers for a party, and reunions with friends, and office parties. But for many young adults the two main sources of stress are money and time. Here are a few tips to help you survive the holidays: Continue reading “A Millennial’s Guide to Surviving the Holidays”

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