Personal finance expert with more than nine years of online writing experience covering topics including investments, debt, retirement, banking, entrepreneurship, car sharing, insurance, real estate.
Sustainable investing goes beyond protecting the environment; investors may want to look out for businesses with strong corporate governance characteristics as well.
Investors focused on good corporate governance can screen for companies that include a balanced number of board members and a strong board composition; they may also consider oversight and conflicts of interest.
In the integrative approach to sustainable investing, investors can think of investing in well-governed c...
My wife and I use 4 Chase cards to maximize our Ultimate Rewards points — here's how easy it is to do
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You can combine balances from multiple Chase cards for bigger rewards.
Different cards offer unique bonuses on various purchase categories.
Combine your Chase Ultimate Rewards points with a household member...
I paid off $40,000 of student loans in 2 years thanks to a math-based strategy I'd recommend to just about anyone
Eric Rosenberg paid off $40,000 worth of student-loan debt in just over two years using the debt-avalanche strategy.
The key to making the debt avalanche work, he writes, was living on a tight budget and freeing up as much money as possible to put toward his debts.
His best advice to other people paying off debt isn't specific to the debt avalanche — any debt repayment requires work, he writes.
In 2012, I followed the debt avalanche method to pay off my $40,000 in student loans from my MBA pr...
If you want your business to get ahead in the competitive eCommerce landscape, you might want to offer free shipping. Perhaps you have considered offering free shipping in the past, and decided against it because of the big hit to your bottom line. Today, we are going to look at how to offer free shipping without hurting profits. Follow along to learn ideas, solutions and opportunities to thrive when offering free shipping.
Related: What you need to know about shipping for small business
Real estate agents have many tools to promote a new listing, and real estate signage is one of the most tried and true. Today’s house hunters use many methods to find homes for sale, leading with online search. But while the web has changed home buying in many ways, the well-known “for sale” sign is still an important means to share the news that a home is available. Not just any sign works though, and poor planning could lead to lost opportunities. Follow these tips to get the best results p...
Websites are an important part of most businesses today, and that’s particularly true of real estate. With most home buyers shifting the start of their home search to the web, real estate websites are a key tool for bringing in new business. However, these sites might open their owners to liability if they don’t take steps to harden them against hackers. But don’t worry — a website vulnerability scanner is the answer.
Why do you need a website vulnerability scanner?
In an ideal world, people ...
Fans of NBC’s “The Office” may remember an episode in which Michael Scott yells to his office, “I. DECLARE. BANKRUPTCY!” Unfortunately, there’s a lot more to fixing a heap of debt than making a loud proclamation. Filing for bankruptcy is a complex legal process that might save you money, but it also comes with serious consequences you’ll want to consider.
The first step in determining whether a bankruptcy is right for you is defining what it is. Here are a couple important terms to know:
Loans for the unemployed are possible, but you’ll likely have to prove that you have an alternative source of income — and the lender may take a closer look at your creditworthiness.
Here are some things to know about applying for a loan if you’re unemployed, along with some info and alternatives to consider before you apply.
Factors lenders may use to evaluate your loan application
Lenders look at multiple factors when evaluating a new loan application. Ultimately, they’re trying to figure o...
If you need funds to help consolidate debt, pay an outstanding bill or finance a large purchase, a personal loan might make sense for you. Personal loan apps can give you an opportunity to borrow money with an online application. Remember, though — approval is not guaranteed and is based on a number of factors, like creditworthiness.
You might find applying for or managing a loan through a personal loan app to be a great way to go — as long as you choose a loan that you can afford to comforta...
The stock market is the most well-known place to invest. It is fast-paced. It is glamorous. Millions of dollars are made and lost every minute the market is open. It can be intimidating to get started, but once you get a grasp on how it works, you will understand why there is no reason for you to be afraid to invest in the stock market and get your fair share of the gains.
The History of the New York Stock Exchange
Stock investing and trading has been around for hundreds of years, but a forma...
Buying a home is typically the largest single purchase a person will make in his or her lifetime. When you are preparing to make a big purchase in real estate, it is important to understand the complexities of what you can afford, what everything will cost, and how to prepare for your purchase.
Your down payment is a one-time cash payment you provide at the closing. The size of this payment has a long-term effect on your finances, as it determines your monthly mortgage payment and your initia...
This article is part of a collection of stories about balancing student loan repayments and prioritizing other savings goals. Read more about this topic.
Earlier this year, Americans broke $1.2 trillion in student debt. The growing student debt load is causing widespread economic ramifications, delaying home purchases, and influencing spending habits, typically for a decade after finishing college.
However, just because most graduates today are living with student debt for a large portion of ...
According to a recent GOBankingRates survey, about 60 percent of people aren’t putting their money into savings accounts with the best rates.
Further, they’re letting fees bury them. The average American pay about $7 a month in fees, which adds up to about $10,000 over a person’s lifetime.
Personal Profitability creator Eric Rosenberg shares his experience as a former bank manager to get you on the right track with your money.
Do you know the difference between APR and APY? If you wanted to g...
With graduation over, thousands of new grads are realizing the transition from college to the “real world” can sometimes be a little overwhelming. And sometimes, important details can be overlooked or mi...
A comfortable retirement won’t happen on its own. While we can rely on programs like Social Security for some income in our golden years, it is rarely enough to maintain the same standard of living compared to our working years. For the future most people want, you’ll have to save and invest regularly to make it all work.
According to the latest data from the Federal Reserve, this is the median net worth of Americans by age bracket.
Age 35 or younger: $11,100
Age 35-44: $59,800
Age 45-54: $12...