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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”

The Effect of Time on Investing

Investing can seem like a very risky, complex and fast-moving process. With endless combinations of investment vehicles to choose from, it can be difficult to take your first step as an investor—especially with the knowledge that all investments carry the risk of losing some or all of your money. So why bother?

Well, there are many compelling reasons to make investing a part of your overall financial plan. Investing can help preserve your wealth by overcoming the effects of inflation, help you save for long-term goals (such as retirement or your children’s education) and it can even generate income. So how can you get past all the negatives associated with investing and make it work for you? A helpful first step is to realize that, as a young investor, you have time on your side. Continue reading “The Effect of Time on Investing”

7 Reasons to Shop Local

 

“I only eat food grown at local farms.”

“I like to shop local – everything else is so mainstream.”

Shopping and/or eating local might seem like the hipster thing to do, but in all honesty, there are plenty of other reasons to shop local rather than “not being basic.” Here are just a few:

  • One-of-a-kind. Your chances of running into someone with the same product are significantly lower because, well, it’s not exactly “mainstream.”
  • Quality! From bakeries to boutiques, small businesses will have better quality products simply because they don’t mass produce products like many large chains.
  • Cost effective. Sometimes prices are lower because they don’t have to meet the same quotas as national brands. Also – storeowners are more willing to negotiate to meet your price needs.
  • Community support. Shopping local strengthens the community. Lots of locally owned businesses also buy from other locally owned businesses – so that money stays right where it belongs, your community.
  • Environmental impact. Because these businesses buy local, their purchases generally require less transportation, reducing environmental impact.
  • Give back to non-profits! On average, non-profit organizations receive more support from local business owners than nationally owned businesses.
  • Better service. Local business owners do what they do because they are passionate about their products. They know their stuff.

This Saturday is Small Business Saturday – the perfect chance to give small businesses a shot!

4 Dishes to Contribute to Thanksgiving Dinner

Thanksgiving snuck up on us and – oh! You totally forgot you were supposed to start “contributing” this year. You told mom or grandma that this year was the year you were going to bring a dish. The only problem is, well, you don’t know where to start. Continue reading “4 Dishes to Contribute to Thanksgiving Dinner”

Where You Seek Financial Advice Says A Lot About You

How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to? Continue reading “Where You Seek Financial Advice Says A Lot About You”

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