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When applying for credit, you may come across the terms “hard credit check” and “soft credit check.” These are two different types of credit checks that lenders use to determine your creditworthiness. It’s essential to understand the differences between them, as they can affect your credit score. A hard credit check, also known as a …
Continue reading “Will Getting a Credit Check Hurt Your Credit Score?”
Have you ever heard someone say “I don’t want that raise since I’ll be in a higher tax bracket, and will end up making less money after taxes”? But is that true? Should you decline a small raise? Heck no!! Thanks to our progressive tax system, on the federal level and for many states, if …
Continue reading “Will You Be Making LESS After Taxes on Your Raise?”
With inflation sky high and economic uncertainty abound, it might be time to stay in and avoid any fun dates out and about, right? Wrong! There’s no reason to put your life on hold, even amidst banks closing, layoffs, mortgage fee increases, or whatever comes next! You will just need to get creative, and here …
Continue reading “Cheap Date Ideas for Uncertain Times: Get Creative and Have Fun!”
Sure, the best stock picks may be ones that have been on a consistent rise for a while. But nothing goes up for ever! Especially in today’s stock market volatility. So why not instead try to find beaten down stock picks that we think still have a bright future? Here are three stock picks that …
Sure, the scary finance stats lists usually revolve around debt: credit card debt, student loan debt, etc. But what about some other scary finance stats that anyone can fix today, even if they are struggling with money? The first of the scary finance stats that anyone can fix, with zero money down, is to simply …
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It seems like everyone today is saying that daily coffee money spending is what’s keeping people broke. But I’m not in total agreement. Sure, if instead of spending $5 a day on coffee and instead investing it, you could end up with over 200 grand after 30 years. But also, there’s probably a lot of …
When I decided to pick my entire life up and move all the way to California from the Midwest for a job, I had no idea how expensive it would be! I received a $5000 relocation bonus for the new job, and figured that this would be more than enough for the move… But boy, …
Continue reading “How DoorDash Helped Me Supplement My Income When Moving Cross-Country”
When it comes to saving for retirement, individual retirement accounts (IRAs) are a popular choice. However, there are different types of IRAs to choose from, and it’s important to understand the differences between them before making a decision. In this article, we’ll compare the ins and outs of a Roth IRA and a traditional (normal) …
Continue reading “Roth IRA vs. Traditional IRA: Which is Best for Your Retirement Savings?”
Small cap stocks are usually risky right? Especially when a similar industry stock just went bankrupt? Or is it just an opportunity? With Rocket Lab ($RKLB), I see an opportunity! After Virgin Orbit filed for bankruptcy on April 3rd, RKLB dropped 10% from the 3rd to the 5th! Additionally, in the beginning of March, two …
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With all the articles and opinions on finance I have, you may think that there is some complicated, long way I came about wanting to save and invest more. And sure, my parents did instill a lot of valuable financial ideas, but even then I still made a lot of mistakes. Even now, I still …