Cash Money Life
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Cash Money Life By Ryan Guina is a personal finance and career web journal with tips, tutorials, and reviews helping people get out of debt, earn more money, improve their careers, and improve their financial situations.
Cash Money Life
1y ago
Closing on a home usually takes about a month, but it can feel like a year.
There’s so much to do:
Finalizing the loan
Getting the inspection
Arranging the move
Setting up utilities
Hiring a lawyer
Negotiating with the seller about repairs
The list goes on and on.
You’ll also need home insurance. Many home buyers simply call their auto insurance agent and ask for a standard policy in the flurry of activity surrounding the purchase.
This works out fine for many people. Other new homeowners, however, will want to know more about their homeowner’s insurance policy.
They want to know what their ..read more
Cash Money Life
1y ago
Update: Several major brokerage firms have recently announced they will no longer be charging commissions for standard US-based stocks and Exchange Traded Funds (ETFs).
We have updated our rankings based on this new information. It’s exciting to see how the online brokerage community has grown by leaps and bounds in the last few years. This innovation is great for investors who like to participate in online stock trading.
The competition has forced innovation, cheap online stock trades, and additional features to track gains, losses, and more such as:
Educational and Training Centers
Articles ..read more
Cash Money Life
1y ago
Inflation affects all of us; it erodes the value of your money. When prices go up, your purchasing power goes down.
Inflation can be even more of a problem when wages are stagnant. Many expect monetary policymakers to do something to slow the pace of inflation.
As inflation erodes your purchasing power, it becomes necessary to protect yourself. Some people preserve their capital with inflation-protected securities. Others look for stock market gains to help overcome inflation’s ravages.
It’s also possible to start a business, cultivate passive income, and buy items with a long shelf life at to ..read more
Cash Money Life
1y ago
Information about this product has been collected independently by the author. The issuer did not provide the details, nor is it responsible for their accuracy.
Checking accounts should be free, period. At least, that’s what I believe.
Unfortunately, many of the largest banks in the US have terminated their free checking programs and replaced them with “free checking if you meet the following criteria” programs, a far cry from the free checking programs many companies previously offered.
These “free” checking accounts often require customers to jump through hoops or maintain a minimum balance ..read more
Cash Money Life
1y ago
Certificates of Deposit, or CDs, are a great way to save money at a high-interest rate for a specific period.
One way to utilize CDs is to create a CD ladder, in which you stagger the CD maturity date to give you access to your funds at different intervals. This allows you to gain higher returns on your money and still maintain access to your funds.
Why You Should Open Your Next CD at an Online Bank
Almost all banks offer Certificates of Deposit. But not all banks are created equal. Many local brick-and-mortar banks don’t have the highest interest rates for CDs.
This is often because their ove ..read more
Cash Money Life
1y ago
One of the scariest things when it comes to finances is being average.
That is especially true when it comes to retirement planning. The reason retirement planning is so frightening is because average retirement planning is so often inadequate.
Let’s take a look at some retirement savings statistics.
The numbers are eye-opening!
Scary Facts about Retirement Savings
When you look at the numbers surrounding retirement, it becomes clear that the average
American isn’t going to retire comfortably. Using numbers from Employee Benefit Research Institute’s most recent retirement survey, here are som ..read more
Cash Money Life
1y ago
In theory, at least, anyone can become a millionaire regardless of occupation. All you have to do is save your money diligently and invest it consistently and intelligently.
But there’s no doubt that specific careers lend themselves better to becoming a millionaire than others.
Careers That Make The Most Millionaires
An excellent place to start is by looking at the raw numbers of careers that make the most millionaires.
Ramsey Solutions recently conducted the largest survey of millionaires top five careers for millionaires are:
Engineer
Accountant
Teacher
Executive management
Attorney
In bro ..read more
Cash Money Life
1y ago
One of the most difficult things to do when creating a resume is condensing a career’s worth of experience down to one or two pages. This becomes increasingly difficult the longer you have been in the workforce. But that doesn’t mean it’s impossible.
The key is knowing which information to include, how to format your resume, and how to set yourself apart from the crowd. After all, the purpose of a resume isn’t to get you a job, it’s to secure an interview.
These tips will help you write a resume that will showcase your skills, abilities, and accomplishments – whether you have a few years or a ..read more
Cash Money Life
1y ago
You have seen the commercials and heard the radio jingles, so by now, you know that a good credit score is important. But what is a good credit score? Generally, anything around 700 or above is considered a good FICO credit score.
But that is not the end of the story. The reality is that a good credit score doesn’t guarantee a loan or mean that you are in good financial shape.
A good credit score just gives the lender another piece of information to help determine your credit worthiness. Your ability to get a loan depends on many factors, including your credit report, your credit history, amou ..read more
Cash Money Life
1y ago
Investors today have more investment options than were available to the average investor just a few decades ago. While having multiple options is usually a good thing, too many can cause system overload and lead many people to avoid making decisions.
Investing is a broad topic that often seems intimidating to people new to investing. And that is understandable – there are dozens of investment vehicles, hundreds of investing strategies, and thousands of investment options.
Before we let analysis paralysis get the best of us, let’s look at investment options for first-time investors.
DIY Investi ..read more