It’s widely acknowledged at this point that student loan debt – and debt among young people in general – is a national crisis, holding young adults back from many of the traditional markers of financial security – buying a home, saving for retirement, and more. But many problems young adults face are also due to […]
8 min read
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If you’re looking for guidance on whether the judicious use of a tax haven might legally lessen your tax liability and improve your family’s financial situation, look no further. This Expensivity guide introduces and explains the relevant issues, then points you to resources that will get you started on protecting and preserving your family wealth. […]
109 min read
Whether you’re looking for a card to improve your credit score, never had a credit card, or just want a card that pays off in rewards when you use it, finding the best credit cards for seniors can be challenging. There are a lot of factors to think about, including why seniors may need a […]
11 min read
There’s something so rewarding about owning your own business, but it can be hard to start and can take a toll on you financially. The good news is that small business loans are available to help you get started and to help grow your business. The extra funds can help you hire new people or […]
6 min read
Many people dream of living a debt-free life. If you have a mortgage, you can reach your debt-free goal faster by making biweekly mortgage payments. Doing this reduces mortgage interest and allows you to pay off the hefty loan in a shorter amount of time. Before you begin making biweekly mortgage payments, consider the consequences. […]
6 min read
If you’re looking for guidance on whether the judicious use of a tax haven might legally lessen your tax liability and improve your family’s financial situation, look no further. This Expensivity guide introduces and explains the relevant issues, then points you to resources that will get you started on protecting and preserving your family wealth. […]
109 min read
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There’s something so rewarding about owning your own business, but it can be hard to start and can take a toll on you financially. The good news is that small business loans are available to help you get started and to help grow your business. The extra funds can help you hire new people or […]
6 min read
Many people dream of living a debt-free life. If you have a mortgage, you can reach your debt-free goal faster by making biweekly mortgage payments. Doing this reduces mortgage interest and allows you to pay off the hefty loan in a shorter amount of time. Before you begin making biweekly mortgage payments, consider the consequences. […]
6 min read
Many banks go beyond the typical free gift these days. If you’re no longer in need of a toaster or coffee, maybe you could better enjoy a bank account bonus. Before opening an account, it’s good to know what to expect and what a bank may offer you in return for your business. Below, we […]
7 min read
1 What is Money? How to use money that already exists? That’s easy. How to create money in the first place? That’s more complicated. This article will explain how money comes into existence. It will also explain how the different ways money comes into existence affects its use and abuse. First, a brief definition of […]
46 min read
There’s something so rewarding about owning your own business, but it can be hard to start and can take a toll on you financially. The good news is that small business loans are available to help you get started and to help grow your business. The extra funds can help you hire new people or […]
6 min read
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It’s normal to find the idea of starting a business intimidating. There are many things you should carefully consider. Luckily, there are countless books available to help. A question still lingers, however: Which are the best books to read before starting a business? For that question, we have helped you compile 10 books that everyone […]
7 min read
Starting a small business is a huge undertaking, and the biggest risk you will ever undertake. It’s also one of the few paths to wealth available for the average person. The Millionaire Next Door says self-employed people “are four times more likely to be millionaires than people who work for others.” Working for yourself means […]
39 min read
Business expenses are any costs that are incurred during the ordinary course of business, such as employee payroll, manufacturing costs, material and inventory expenses, business travel, advertising, and office space costs. Any expenditure that you have to make in order to keep your company running is a business expense. It seems pretty obvious that these […]
21 min read
One of the largest hurdles that many small businesses will face after getting off the ground is being able to quickly and easily pay the company’s employees. From just a few employees to a large workforce, it is necessary that you’re able to ensure their financial security and stability. Choosing a payroll program that works […]
29 min read
If you’re looking for guidance on whether the judicious use of a tax haven might legally lessen your tax liability and improve your family’s financial situation, look no further. This Expensivity guide introduces and explains the relevant issues, then points you to resources that will get you started on protecting and preserving your family wealth. […]
109 min read
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The size of the US bond market is huge, sitting at around $40 trillion as of this writing in early 2021. Five years ago, it was about twice the size of the stock market. But with stocks booming and interest rates at all-time lows, the size of the stock market now comes to about $30 […]
8 min read
Do you want to trade stocks but aren’t sure how to start? Although it can seem complicated, buying and selling stocks is far more straightforward than many people realize. Our complete guide breaks stock trading down into five simple steps. You’ll learn how to set goals, identify a company, buy a stock, maximize your investment, […]
10 min read
The Retail Trader “Rebellion” of January ’21 was, in itself, a short-lived affair. The concern that it would send the markets into a chaotic downward spiral that would extend through February proved false. The only residue left of the meteoric rise of stocks like Gamestop (GME) and AMC is their mildly elevated trading levels from […]
19 min read
The stock market is more than just a get-rich-quick tool; in fact, for most people, slow and steady wins the race. Many investment bankers devote endless time and energy to analyzing the market and getting the best deals for their clients. Companies benefit from the stock market because it allows them to raise money from […]
3 min read
If you’re looking for guidance on whether the judicious use of a tax haven might legally lessen your tax liability and improve your family’s financial situation, look no further. This Expensivity guide introduces and explains the relevant issues, then points you to resources that will get you started on protecting and preserving your family wealth. […]
109 min read
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While vital to financial success, budgeting is a topic that makes many people cringe. The popular notion seems to be that tracking income and expenses are far too difficult for the average person or household. But learning how to budget is easier than you might expect. There are a few basic principles that back every […]
7 min read
With tax season approaching, you should begin thinking about filing your taxes. The 2021 federal income tax rates have changed, so you should know where you land, and how your tax bracket will affect your return. For taxes that you must file in April 2021 or in October (with an extension), you will land in […]
7 min read
1 What is Money? How to use money that already exists? That’s easy. How to create money in the first place? That’s more complicated. This article will explain how money comes into existence. It will also explain how the different ways money comes into existence affects its use and abuse. First, a brief definition of […]
46 min read
Share this graphic on your site! Source: Expensivity By mid-February 2021, Bitcoin hit an all-time high of over $53,000 — To understand where cryptocurrency is today and where it’s headed, an overview of its tumultuous history is in order The Meteoric — And Bumpy — Rise Of Cryptocurrency The Rises & Falls Of Bitcoin 2009: […]
3 min read
In a dream world, we’d all never spend another minute worrying about our finances. But here in reality, understanding how you make your money, what your money is capable of, and knowing exactly where it’s going is crucial to your financial success. Setting and sticking to financial goals. Budgeting. Saving. Investing. Spending responsibly. It can […]
5 min read
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Warren Buffett famously remarked that “if you don’t figure out how to make money while you sleep, you’ll work until you die.” Of course, avoiding this fate can also be achieved by making extra money during the day in ways that don’t interfere with your regular job. What I’m about to discuss falls more in […]
51 min read
When it comes to your money, a financial calculator is an invaluable tool. A financial calculator can help you with mortgages, saving for retirement, day to day budgeting, and a lot more.
18 min read
Downloading the right apps can make your smartphone one of your most reliable business tools. All the information you need can be right at your fingertips within seconds. When running a small business, you’re expected to provide quality service to customers in order to compete with bigger companies. The problem is you don’t have as […]
16 min read
The Retail Trader “Rebellion” of January ’21 was, in itself, a short-lived affair. The concern that it would send the markets into a chaotic downward spiral that would extend through February proved false. The only residue left of the meteoric rise of stocks like Gamestop (GME) and AMC is their mildly elevated trading levels from […]
19 min read
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Actual or not, fraud is widely perceived to have affected the 2020 Presidential election in the United States Bank fraud and election fraud have relevant similarities Banking cybersecurity techniques are applicable to election security Expensivity’s proposal for a Cryptosecure Election Protocol (CEP) would secure the electoral process With 2020 delivering perhaps the most contentious presidential […]
51 min read
The well-known Harvard economist Greg Mankiw recently blogged about a new website called AcademicInfluence.com. This site features some fascinating machine-learning tools for determining the most influential schools by discipline as well as the most influential faculty in those disciplines. You can even toggle the time-frame in which to gauge influence. If you do this for […]
4 min read
The two dirtiest words in economics are four-letter words beginning with “f”: free and fair. More economic mischief has been wrought through these two words than any others. These words have seemingly straightforward uses. Free can simply mean that no money or anything of value was given in exchange for a benefit. Such a benefit […]
24 min read
Sometimes it’s okay to let people who oppose your point of view also name your point of view. It happened happily to the early Christians. According to the New Testament book of Acts, followers of Christ were first called “Christians” at Antioch. The “‑ian” ending in “Christian” is a diminutive. Thus the word “Christians” originally […]
9 min read
