Ten Ways to Save Money on Your Vegas Vacation

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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Twelve Things to Know About Getting Federal Financial Aid for College

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 in the U.S.: Twelve Things You Need to Know About Gratuities

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

Ten Ways to Save on Child Care

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

OP-ED

The True Cause of Cybersecurity Failure and How to Fix It

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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Money-Supply Inflation and Its Painful Fix

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

The Unreasonable Sway of College and University Rankings: An Interview with Jeffrey Stake and Jed Macosko

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

BANKING

Why Choose a Credit Union Over a National Bank?

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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Ten Email Phishing Scam Warning Signs

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

Ten Tips For How to Protect Yourself From Identity Theft

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

Five Ways We’re Still Feeling the Effects of the Great Recession Today

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

How to Buy a House With Bad Credit

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

BUSINESS

Ten Ways the Pandemic Has Changed Travel

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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The Highest Paying Business Majors

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

Ten Reasons Your Company Needs a Great HR Department

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

What Kind of Insurance Do Small Businesses Need?

What Kind of Insurance Do Small Businesses Need?

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

How to Start a Small Business in 10 Steps

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

INVESTING

How to Start Investing In Stocks with a Small Budget

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

How To Start Planning For Retirement

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

Ten Tips for Early Retirement

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

MONEY

Ten Ways to Save Money on Your Vegas Vacation

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 in the U.S.: Twelve Things You Need to Know About Gratuities

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

Ten Ways to Save on Child Care

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

TOOLS

Best Cryptocurrency Trading Platforms

10 Best Cryptocurrency Trading Platforms

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

A Complete Guide to Life Insurance

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

100 Online Finance Tools To Manage Your Money & Investments

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

A Strategy for Trading Options on Index ETFs

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 Cards

How to Pay Off Credit Card Debt

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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How to Get Student Discounts

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

Ten Common Credit Cards Mistakes and How to Avoid Making Them

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

Ten Tips For How to Protect Yourself From Identity Theft

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

How to Buy a House With Bad Credit

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