11 Apps (and Websites) to Make the Most of Black Friday

y husband, who has been known to fake the flu to avoid going shopping, has one shopping weakness: bargain hunting. And nothing thrills bargain hunters quite like the words Black Friday. It's awash in the promise of incredible deals for those willing to wait in line (and only occasionally willing to shove other shoppers). But over the years, it's become more and more difficult for ordinary individuals like my husband to find the promised deals without a major … [Read more...]

Betterment vs. Vanguard: Both are Great, but Which is Best for You?

etterment and Vanguard have each positioned themselves as leaders in the passive investing movement. Betterment is a robo-advisor that offers an automated service to build a customized investment portfolio, with the goal of giving you the best results while saving you both time and money. Vanguard is the premier low-cost investment vehicle. Investing with Vanguard means following founder John C. Bogle's commitment to low-fee index funds to help you maintain … [Read more...]

Protect Your Family and Enter to Win $50,000 with USAA Life Insurance

This post is brought to you by USAA. While this is a sponsored post, all content and opinions expressed here are my own. ife insurance can get a bit of a bad rap. It can feel like a major downer to think about the possibility of dying and leaving your family financially unprepared. Then there is the stereotype of hard-selling insurance agents (like Ned Ryerson who tries so hard to sell Bill Murray a policy in Groundhog Day--BING!). It can turn a lot of people off … [Read more...]

Medi-Share Review: An Affordable Alternative to Expensive Health Insurance

oining the Christian medical expense sharing community, Medi-Share, for around $250/month has been a fantastic financial move for my family. Prior to joining this healthcare expense-sharing community, I was paying $1,100 per month for a health insurance plan with Humana! Medi-Share is not insurance (nor is it charity as you'll see). But it's a great alternative for some, and it does count as coverage in regards to the Obamacare mandate (which officially ends as of the … [Read more...]

Greenlight Can Help Your Kids Build Good Financial Habits

Did you ever wonder why personal finance was not taught in your K-12 years of school? I certainly did! Not once in my early education was I offered the opportunity to learn about personal finances. It was up to my parents to teach me. Parents are the ones ultimately responsible for providing every aspect of a financial education--from giving children an allowance to helping them start their own business. Unfortunately, not all parents are equipped to help their … [Read more...]

How Much Cash Should You Keep In Savings? (Plus Where to Keep It)

hey say everyone should have three-to-six months’ worth of expenses in an emergency fund. Unfortunately, if you follow this rule you probably have quite a bit of cash earning almost nothing in interest--and losing money to inflation. Where you save your money can be just as important as how much you have saved. Here’s what you need to know about where you should be stashing your rainy day money: Cash Savings at Home Anyone who has lived through a major natural … [Read more...]

Is AARP Worth it? Get These Awesome Benefits (Some Free) for People Under 50

t the YMCA where I used to work out, there was always a large stack of AARP magazines available for perusal during my 30 minutes on the elliptical or treadmill. Despite being in my 30s, it was always my favorite magazine to borrow for a workout—although I’d sometimes hide the cover like I was reading something illicit. I thought of AARP as an organization for...well, older people. It's called the American Association of Retired Persons, after all. It felt a … [Read more...]

The Best Credit Cards in Canada for 2018 [By Card Type]

here’s no universal answer to the question, "What is the best credit card?" Much in the same way the best convertible coupe would be ill-suited for a family of four, the best travel rewards credit card would make little sense for someone who rarely travels abroad. Simply put, categories matter and selecting the best credit card for you comes down to a number of factors - from your personal spending habits to what type of rewards add the most value to your life. … [Read more...]

Exit Your Timeshare Legally: Newton Group Transfers [Review]

imeshares always seem like such a good idea when you are in the midst of one of those infamous, hours-long presentations. Not only can you imagine the joys of vacationing every year in a fabulous resort for a low, low price, but the sales tactics of timeshare salespeople can do a whammy on your rational thought processes. Before you know it, you’ve signed on the dotted line, and you are the proud new owner of a timeshare in Florida. After a time, however, you will … [Read more...]

Beam (beta) Review: Is 4% Savings in a Gamified Banking App For Real?

've been using since April 25th, 2018 and I can report that yes, as part of the beta test they did pay a nice baseline 2% APY on up to $15,000. That's a top-tier rate as of June 2018, even if you compare it to other high-interest online accounts. I felt comfortable with my money there, despite concerns from other online reviewers. I spoke with the Beam team and I believe they're on an earnest mission to help people save more while pushing banking forward. Did I … [Read more...]

The Best Personal Loan Sites for Small Business Owners (in 2018)

Personal loans can be a convenient way to get cash to cover a short-term financial hurdle or use to fund a new business or help with short-term cash flow needs. Most businesses can be started with no money, but there are times when a loan makes sense. They are also a popular tool for consolidating and eliminating high-interest credit card debt—and their fixed interest rates and payments can certainly save some borrowers money. PT, for instance, used a personal loan … [Read more...]

The Annuity You Can Start Funding When You’re Young (Blueprint Income’s Personal Pension)

This piece was sponsored by Blueprint Income. However, opinions expressed are our own. nlike many working in the personal finance sphere, I have no plans to retire. I love my work as a freelance writer, and I intend to keep at it even if my fingers my fall off and I have to type with my nose. However, I also know that retirement isn’t necessarily a choice, having seen friends and family members involuntarily retired from well-loved careers because of illness, … [Read more...]