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Author Archives: Guest Post

How to Go From ‘C’ Student to Self-Made Millionaire

Every day wasted is money wasted. Make the tough choices young so you don't wind up broke, old, sick, and counting pennies.

Do you have to be naturally smart in order to strike it rich? Is intelligence a prerequisite for success? In my five-year study of the daily habits of 233 self-made millionaires and 128 individuals at or near poverty (Rich Habits Study – Background on Methodology) I uncovered the answer to these and many other questions. Let’s take a look at ... Read More »

    Millennial Entrepreneurship: The Dream vs. The Reality

    Millennial-Entrepreneurship-Dream-e1426726544434

    I’m what you might call a wannabe serial entrepreneur. Rarely does a week go by without some version of a million dollar idea exciting me with possibilities of solving the world’s problems while simultaneously becoming rich myself. Clearly dreaming big isn’t my problem. But there’s a big difference between the entrepreneurial spirit and entrepreneurial reality. I can come up with ... Read More »

      Massive Auburn University Data Breach Ensnares Applicants, Students & Those Who Never Even Applied

      ID Theft or Stolen Identity

      Thousands of students who never even applied to Auburn University have had their personal information, including Social Security numbers, exposed due to a security flaw discovered March 2. Information about 364,012 current, former and prospective students was accessible online between Sept. 1, 2014, and March 2, 2015. “The exposure resulted from configuration issues with a new device installed to replace ... Read More »

        3 Ways to Avoid Costly Rental Car Insurance

        Drive Carefully

        I’ve been rear-ended in a rental car by a hit-and-run driver. And on my last business trip, the rental agent almost foisted a car with a scratched-up bumper on me. (Thankfully, I remembered to inspect the vehicle before I left the lot and asked for a different one.) So I know firsthand the importance of making sure you have adequate ... Read More »

          Feds: Millions Targeted by ‘Phantom’ Debt Collection Scheme

          angry woman

          A Georgia firm called millions of consumers attempting to collect on “phantom” debts, and tricked consumers by citing personal information purchased from payday loan lead generators, federal investigators allege. A lawsuit against Universal Debt and Payment solutions and a host of related companies was revealed Wednesday, alleging the firm’s tactics included purchasing personal information from data brokers that operators could ... Read More »

            The Myth of the 4-Year College Degree

            college-class

            Choosing the right college involves some serious decisions. Where to attend, how much it will cost, and is it affordable, are usually the first questions that come to mind. Many people tend to base the answers to these questions on the annual tuition information posted by schools, and assume that it will take them four years to obtain a “four-year ... Read More »

              7 Colleges You Can Attend for Free

              14690591067_92efd28966_b

              There are several ways to avoid taking out student loans in order to get a degree. The first: save a ton of money. That’s usually best accomplished over the course of a child’s lifetime. Another tactic: scholarships. Then there’s the option of choosing an inexpensive school you can pay for out of pocket, probably by working in addition to studying. ... Read More »

                How Much Can Gardening Really Help You Save on Produce?

                world-health-day

                About this time of year, a lot of us think that maybe we could grow some of the food we eat. If not to save money, then to know where our food came from and what chemicals it was exposed to. Meryl Streep was famously quoted as saying, “It’s bizarre that the produce manager is more important to my children’s ... Read More »

                  10 Most Affordable Communities for Renters

                  Swimimng pool and Apartment houses

                  Housing expenses often take up the largest share of people’s monthly budgets, so if you can’t find affordable housing, it can make everything more difficult. People who live in densely populated areas know this all too well and understand that high rent prices are just a part of living where they want to be (I’m looking at you, New York and ... Read More »

                    Is an SAT Prep Course Worth the Cost?

                    student loan debt

                    Only one thing was stopping Justis Slattery from playing soccer in college: his SAT scores. He found a school he wanted to attend, and soccer coach he really wanted to play for, says his mother, Stacy. He earned a coveted spot on the team, and an admissions counselor told him he shouldn’t have any problem getting in. But then he learned ... Read More »

                      5 Things We Can Do Now to Solve the Student Loan Problem

                      Student Loans Concept

                      The U.S. Department of Education recently unveiled a new and improved methodology for calculating student-loan payment delinquencies. Where it once figured the late-payment rate of student loans as a whole to be 17%, the department has now determined that when the same data is expressed in terms of individual borrowers, it’s as high as 38%. However, the new calculations don’t ... Read More »

                        Is Your Tax Refund Too Big?

                        tax_fraud

                        Taxpayers getting back money from the government this year have received an average refund of $ 2,893 so far, according to March 26 data from the Internal Revenue Service. That’s a nice bump up in cash flow, and a lot of people look forward to it as a chance to splurge, pay down debt or add to their savings. But those people ... Read More »

                          How Long Will $1 Million Last You?

                          save_or_make_money

                          Can money buy happiness? Last year, both Forbes magazine The Wall Street Journal researched this question. Their conclusions were, well, inconclusive. “Well, maybe,” Forbes said. “It’s true to some extent,” the Journal said. Here’s the problem: How much money do you need to be happy? To be more specific, how much do you need to stop working? Earlier this year, ... Read More »

                            The ‘Free’ Federal Grant Scam Is Back

                            tax_scams_to_avoid_this_season

                            The Better Business Bureau has posted a warning to consumers about a free-grant scam that could cost victims the contents of their entire bank accounts. It starts with a message — phone, email, social media, anything — saying the government is offering free grant money, and your application is guaranteed to be accepted. They’re pitching a desirable idea: free money ... Read More »

                              2 Strategies for Buying a Home When You’re in Debt

                              Spring is here already. Are you lining up your finances for a home purchase this year? And are you not sure whether to put more money toward paying off other debts or your upcoming down payment? Here’s how to figure out the best strategy to improve your figures. Here are some key questions to ask yourself: How much house payment ... Read More »

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