In case you didn’t hear, mortgage rates are on the uptick as of the end of last year. The popular 30-year fixed-rate mortgage rose to 4.32 percent in following the Christmas holiday. It has been as low as 4.01% the same time one year ago. However, mortgage rates remain at pretty low levels, making it[…]
Everyone who is anyone these days, and even a few nobodies has some form of a social networking account. What qualifies? Everything from Facebook to LinkedIn, to Twitter, Instagram, SnapChat and even Classmates.com. These days, everything seems to be about how many friends you have and who they might know, but have you ever thought[…]
I want to introduce you to our friend, Holly Johnson. Holly’s side hustle, writing, has turned into her full-time freelance work and she makes a lucrative income doing so. Every month on Club Thirty, the blog that Holly shares with her husband Greg, Holly shares just how much money she made the prior month, and she[…]
Today I’m going to confirm a long running rumor about the products in your grocery store. Many of you have already suspected that the store brands and the national brands held little difference. Some of you actually continue to fall for national marketing practices and believe that because you pay a premium for certain foods[…]
I got home on Friday from another week long trip for my employer. As I was sitting in the airport, I detailed my journey of getting a voucher for a free airline ticket on another flight on Twitter in real time. @AlisonPaoli who works for Zillow, stated that someone should write something on how to score[…]
While most states have departments committed to returning unclaimed property to its actual owner, on average less than 30 percent is returned, allowing cash-strapped states to use unclaimed money to fund various public interest projects. In fact, did you know that states can legally take money away from you after a period of inactivity?
On Saturday, September 10th I attending the second in a series of financial workshops being held by the Rainbow PUSH Coalition sponsored by Chevrolet. These one-day Money Matters workshops are absolutely free and are designed to educate people of color about various financial literacy topics. The workshop that I attended was held at the Harlem[…]
A few years ago during the big mortgage meltdown, I became a homeowner for the first time. Although I purchased my first home, it was not one that I planned on living in; I had made the decision to become a real estate investor. Since then I have added one additional investment property bringing my[…]
Since last year, I’ve changed the focus of this site from speaking about my experiences with debt to helping others craft their own debt reduction plans by utilizing and sharing years’ worth of the same strategies that helped me. What was once just a personal blog for me has evolved into classes, live Periscope broadcasts,[…]
If you’ve made the mistake of thinking that a 401(k) loan and a hardship withdrawal are exactly the same, boy, are you in for a surprise. Lots of differences with major consequences exist.
Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life may require a measure of debt. Not to suggest that you should go crazy and apply for every credit card and loan under the sun. For debt not to become a destruction force, moderation and[…]
While I was working my way out of debt, I tried just about every method that I heard of to help me pay my debt down faster. Hands down, when I discovered the debt snowball method and the debt snowflake method, they made sense, but I just kept confusing them. The what? Snowball. Snowflake? Snowcone? All the same to me.