So you’re planning a trip to Las Vegas but you’re also looking for a few ways to lower your costs. Between the flight, hotel, meals, drinks, shows, and gambling, a Vegas vacation isn’t cheap. The good news is that it’s easy to save on your trip if you’re savvy about the way you spend. Read on to find out how you can save on your Vegas vacation.
8 min read
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Filling out your FAFSA is an essential step in the college application process. If you are an aspiring college student, or you are the parent of an aspiring college student, chances are pretty good that this isn’t the first time you’re hearing about the FAFSA. The Free Application for Federal Student Aid is your ticket to financial support for a higher education, which may come in the form of loans or grants. But there’s more to it than that. The FAFSA is actually used to unlock a whole host of opportunities for students from a wide diversity of backgrounds. Read on for 10 things you should know about the FAFSA and federal financial aid in general.
13 min read
Tipping is a simple fact of life in the United States. Well, actually, it’s not that simple. There are a lot of rules to tipping. In reality, it can be quite complicated. If you live in America, you are probably already well-accustomed to paying the extra cost that gets tacked onto everything from meals and beverages to rides and haircuts. Read on to learn 12 Things You Might Now Know About Tipping…
10 min read
While we recognize the importance of saving, far too many Americans either don’t prioritize saving or simply lack the financial flexibility to create and keep a sufficient savings strategy. Read on for a look at the reasons that so many Americans struggle to save.
9 min read
The cost of child care remains problematically high for many Americans. The Center for American Progress (CAP) notes that the cost of child care may actually match the cost of college in many U.S. states. This suggests that even the average middle-class family may feel added financial pressure to make ends meet because of this cost. If you’re beginning to think about child care, or you’re already paying for it and you’d like to pay less, read on.
7 min read
Hint: The Cause and Fix Are Not What You Think The classic line “I have a bad feeling about this” is repeated in every Star Wars movie. It’s become a meme for that uneasy feeling that as bad as things are now, they are about to get much worse. That’s an accurate portrayal of how […]
45 min read
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This article is the first in a three-part series explaining why the economic inflation we are experiencing was all-too-predictable, and outlining the things that ordinary citizens can do by way of self-protection to hedge against it and enhance their finances. The first topic of discussion will be government mismanagement of the money supply and the […]
57 min read
Cryptocurrency matters to the average person even though most people don’t own any crypto(currency). Why does it matter? Because crypto is transforming the world of money and finance, and everyone has a stake in that world. The average person therefore needs a good basic grasp of crypto and why it is important. It’s not enough, […]
79 min read
Barbara Oakley, who earlier in life was a self-confessed “mathphobe” now describes herself as an “educator, writer, engineer.” She excelled at humanities courses in high school and college, but failed at math and science. Yet, when the occasion arose much later in her life in which she needed to acquire basic technical competency, she set […]
29 min read
It may seem strange for a money and business website like Expensivity.com to present this interview about college rankings and the problems they raise. But these academic rankings are big business, and the actual school ranking lists that they produce have significant business and financial implications for the schools listed, especially depending on where they […]
20 min read
Credit unions can be a great alternative to traditional banking. In many ways, a credit union works exactly like a traditional bank, but its emphasis is on improving the financial well-being of its account holders rather than creating a profit on behalf of its investors. But what is a credit union, how does it work, and is it right for you? Read on to find out.
8 min read
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Here, we take a closer look at one of the most commonly employed strategies for perpetrating identity theft–phishing, which refers to efforts by bad actors to trick you into sharing personal information or downloading harmful malware that might ultimately be used to access your accounts, review your sensitive information, and open new credit cards and spending accounts in your name. While phishing scams have grown more sophisticated, below are the major red flags that should tip you off.
8 min read
We have an amazing amount of technology, information and convenience right at our fingertips. Of course, so do hackers, identity thieves, and credit scammers. Just as it’s never been easier to work, shop, and socialize online, it’s never been easier for bad actors to use these activities against you. Identity theft is a real danger, and it’s more commonplace than you know. Read on for tips on how to protect yourself against identity theft while making transactions through traditional methods of commerce.
9 min read
The Great Recession was a financial crisis that gripped the world in late 2007 and held tight until roughly the summer of 2009. While this period of economic stagnation and decline was a global phenomenon, its impact was especially concentrated in the United States. Over a period of 18 months, one in every five American workers was laid off. This was a catastrophic period in the lives of many Americans. For the nation as a whole this period qualified as the worst economic meltdown since the Great Depression some 80 years prior. As we face down a growing threat of inflation, Congressional grappling over infrastructural needs, and a political landscape that is both sharply divided and marked by a far-reaching sense of economic discontent, this feels like a uniquely appropriate time to reflect on the Great Recession.
11 min read
Bad credit can seriously derail your dreams of home ownership. Your credit rating will be a key figure used by mortgage lenders as they evaluate your ability to repay a home loan. Your credit rating will play an important role in determining both the total sum of the loan banks are willing to provide you for a new home and the interest rate that you’ll pay each month on top of your original loan. For those with poor credit, buying a home may even feel like an impossibility. But there are actually home loans designed to assist prospective buyers with bad credit.
9 min read
Following the height of the COVID-19 pandemic, the travel industry is making a comeback. But the travel experience is a little different these days. Today, travel reflect the balance between a partial return to normalcy and acclimation to a “new normal.” For a look at what travel is like these days, check out these 10 Ways the Pandemic Has Changed Travel.
9 min read
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When it comes to majoring in business, there are countless educational avenues you could travel. We strongly recommend choosing your path based on what most interests and excites you. But as you narrow the focus of your studies to your area of concentration, you should also know what to expect in terms of salary potential. We’ve compiled a list of popular areas of business study that offer some of the highest returns on your educational investment.
10 min read
Human Resources (HR) covers a lot of ground. In a given organization, HR can play a direct role in everything from recruitment, hiring, and firing to training, evaluation, and oversight of company ethics. While the exact duties charged to an HR department may vary from one company to the next, the importance of a strong, functional and rational HR department is indisputable.
10 min read
You’ve poured your heart and soul into your business, why not protect it? The best way to do so is through insurance coverage, but what kind of insurance do small businesses need? For a small business owner, like you, it’s hard to know which insurance policies are necessary, and which ones you can do without. […]
7 min read
So you have an amazing idea for a business and you’re ready to make the leap from concept to reality. But how do you actually start your own business? What steps must you take to transform your vision into a fully-functioning and eventually profitable endeavor? If you’re ready to dive full-throttle into the exciting world of entrepreneurship, follow these ten steps. The exact sequence may vary depending on the nature of your business and your personal circumstances but in most cases, you will need to check these items off of your list on the way to a viable business.
8 min read
While we recognize the importance of saving, far too many Americans either don’t prioritize saving or simply lack the financial flexibility to create and keep a sufficient savings strategy. Read on for a look at the reasons that so many Americans struggle to save.
9 min read
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So you want to start investing in stocks but you don’t have a lot of seed money? Don’t be intimidated. It’s not as expensive as you think to get into the stock market. It’s entirely possible to begin investing in stocks without a fortune in your back pocket. If you’re looking to jump in with a few dollars and learn the ropes, what follows is a step-by-step quick-start guide. Read on and check out these ten steps for getting into the stock market with a small budget.
11 min read
Wondering whether now is the right time to start planning for retirement? The answer is yes. It doesn’t matter who you are, how much money you make, or where you are in your career. It’s never too early to start thinking about your future. If you take the right steps now to prepare for retirement, you have a much better chance of leading the life you envision once you close the book on your career. Check out these tips and begin your retirement planning today.
7 min read
More than ever before, Americans are contemplating the idea of early retirement. But it isn’t easy, and it could take some seriously frugal living and meticulous planning to earn yourself a post-professional lifestyle sooner than later. But it can be done. Read on for a look at the strategies that could help deliver you to that sandy shore, scenic overlook, or late morning wake up while you’re young enough to really enjoy it.
8 min read
Cryptocurrency matters to the average person even though most people don’t own any crypto(currency). Why does it matter? Because crypto is transforming the world of money and finance, and everyone has a stake in that world. The average person therefore needs a good basic grasp of crypto and why it is important. It’s not enough, […]
79 min read
So you’re planning a trip to Las Vegas but you’re also looking for a few ways to lower your costs. Between the flight, hotel, meals, drinks, shows, and gambling, a Vegas vacation isn’t cheap. The good news is that it’s easy to save on your trip if you’re savvy about the way you spend. Read on to find out how you can save on your Vegas vacation.
8 min read
Read More
Tipping is a simple fact of life in the United States. Well, actually, it’s not that simple. There are a lot of rules to tipping. In reality, it can be quite complicated. If you live in America, you are probably already well-accustomed to paying the extra cost that gets tacked onto everything from meals and beverages to rides and haircuts. Read on to learn 12 Things You Might Now Know About Tipping…
10 min read
While we recognize the importance of saving, far too many Americans either don’t prioritize saving or simply lack the financial flexibility to create and keep a sufficient savings strategy. Read on for a look at the reasons that so many Americans struggle to save.
9 min read
The cost of child care remains problematically high for many Americans. The Center for American Progress (CAP) notes that the cost of child care may actually match the cost of college in many U.S. states. This suggests that even the average middle-class family may feel added financial pressure to make ends meet because of this cost. If you’re beginning to think about child care, or you’re already paying for it and you’d like to pay less, read on.
7 min read
After a long and dreary winter, baseball season is finally underway—just in time for the news that inflation has hit a 40-year high. The salaries of our favorite baseball players are subject to their own sort of inflation. This particular inflation rate towers over the Consumer Price Index (CPI) typically used to quantify inflation. Since […]
15 min read
The internet is a vast sea of savings and discounts. But how can you take advantage of these opportunities to save? Check out our 10 Tips for Saving Money Online…
8 min read
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The best cryptocurrency trading platforms support investors as they get started with this revolutionary new wealth building strategy. Naturally, each one of these exchanges offer different levels of service and customer support, setting themselves apart from each other with varying degrees of security on each transaction, with all sorts of user experiences. And there’s no […]
10 min read
Life insurance can be one of the most important assets in a portfolio. There are many nuances and types of life insurance that can be beneficial depending on the insured. Having a life insurance guide can help with the terminology, different kinds of life insurance available, and what to expect. This life insurance buyer’s guide […]
11 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
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 […]
50 min read
Credit card debt can drag you down financially. The bigger your debt, the more money you’ll waste on interest payments. Not only that, but your higher debt credit utilization ratio will negatively impact your credit score, which can make the cost of borrowing higher when it comes time to lease a car, purchase a home or take out a small business loan. Fortunately, there are a few strategies for reducing your credit card debt burden.
6 min read
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College is expensive, so every little way you can save money is worth a shot. Enter that incredible innovation known as the student discount. There are tons of businesses and retailers out there who want to help. We’ve got your primer on getting student discounts here. We’ll start with a look at the best ways to ensure you maximize your student discount opportunities and we’ll follow with a look at the types of consumer items and establishments where these discounts often apply.
10 min read
Credit cards are an important part of establishing a healthy financial profile. Using credit cards judiciously, selectively and responsibly is a major component of building good credit. But credit cards can also be dangerous when wielded incorrectly. These are common mistakes that many consumers make, even those with a long history of credit card use. But it’s never too late to start using your credit cards responsibly. You can start by avoiding these 10 Common Credit Card Mistakes.
10 min read
We have an amazing amount of technology, information and convenience right at our fingertips. Of course, so do hackers, identity thieves, and credit scammers. Just as it’s never been easier to work, shop, and socialize online, it’s never been easier for bad actors to use these activities against you. Identity theft is a real danger, and it’s more commonplace than you know. Read on for tips on how to protect yourself against identity theft while making transactions through traditional methods of commerce.
9 min read
Bad credit can seriously derail your dreams of home ownership. Your credit rating will be a key figure used by mortgage lenders as they evaluate your ability to repay a home loan. Your credit rating will play an important role in determining both the total sum of the loan banks are willing to provide you for a new home and the interest rate that you’ll pay each month on top of your original loan. For those with poor credit, buying a home may even feel like an impossibility. But there are actually home loans designed to assist prospective buyers with bad credit.
9 min read
