Is your family budget ready for a kid? The future parents are often frightened by the idea that raising a child is expensive. While that is true, knowing the exact numbers could help a family to prepare for the new expenses. According to the US Department of Agriculture, the average cost to raise a child in the United States from birth to age 17 is $233,610.
How much does it cost annually to raise a child then? It turns out that the future parents should be ready to spend $14,000 per year. Let’s see in details what this includes and what other important things you need to know about the cost of raising a child in America.
Investing is a perfect tool for building wealth, but it is not the only reason for its popularity. Different vehicles make it easy to start with small amounts and add to them from time to time.
This tutorial will help you start investing. It will explain what investing is and how to invest properly. It will cover the building blocks of investment and provide the insights into techniques that will help you choose the appropriate strategies and vehicles.
Early retirement is not an unachievable dream. The retirement time depends on what you want to do now and on a pension. It is not easy to retire early. But nothing good is easy to achieve. Make use of the Financial Independence Calculator if you have what it takes (and that does not necessarily mean a specific amount of money).
Can You Retire Early?
There are three main ways to an early retirement:
making savings when working;
cutting down on expenses when working and after retirement;
combining both ways.
What amount do you need to save? How drastically do you have to reduce your expenses? How early can you retire? How to start saving for retirement? The matter is that all the answers are interdependent – change one and all the other will change as well. Financial Independence Calculator can help you find out when you could retire. Continue calculating till you create a solid plan that helps avoid financial emergencies that derail your retirement.
Services, offering loans like CashNetUSA, are one of the best options for short-term funding available online. Whether you look for a personal loan, student loan or want to buy a house, you have to consider different loan types. Sites like CashNetUSA can fix poor credit scores and build up your credit report.
CashNetUSA and similar sites are perfect for those who faced a financial emergency. This short-term loan page provides you with a fast process of application, instant approvals and getting funding the next day in case of approval.
Affiliate programs repeatedly top the income reports for high-earning bloggers. The process is simple: in exchange for your promotion of a third-party product, you will receive a percentage of sales every time a customer makes a purchase through your link.
Affiliate Marketing in a Nutshell
If you want to earn online, easy and plain, do not neglect affiliate marking option. Bloggers, who earn a lot, always include affiliate programs into their top income reports.
One does not need to invest much money to launch an affiliate marketing business. There is no need to create a service or product, ship or stock goods. You can work as an affiliate marketer whenever and wherever you want and get passive income.
You probably see yourself with saved a million dollars for retirement traveling around the world or playing golf when you retire. But if financial problems appear, these dreams will not translate into reality.
You cannot always be able to prevent yourself from a financial disaster. But it is always possible to get prepared for a rainy day. Let us review all the situations that can ditch your retirement plans and the measures to deal with them.
The majority of teenagers dream about their own car after getting a driving license. For every teenager getting driving license means the next level of adulating and gaining independence. But for parents it means additional costs in the form of one more auto insurance.
If you add a teenager to your insurance policy, it will undoubtedly increase your rates. The answer to the question “How much does it cost to add a teenager to car insurance?” depends on many factors, including your living area and the age of your teenager, among others.
Between 10 and 12 million Americans take advantage of short-term loans each year. If you use them wisely, it can be quite a cheap way of borrowing. They will also relieve the stress when you are waiting for a salary and have no cash left. So if you want to get instant money, continue reading. We will inform you how 1000 dollar loan works, tips to get your loan approved, what to spend it for, and its pros and cons.It is true that it is hard to get $1000 loan bad credit. Although it does not mean there are no options at all. There might be fewer variants and the loans available for you, that may have higher charges.
If you borrow wisely, it can even help you build your credit score so it will be less complicated to borrow money in the future.
If you want to check your credit score out of charge, do not look for more, than three sites. Credit Karma is the most widespread credit score checker. However, it does not make sites like CreditKarma worse. WalletHub, Experian and CreditSesame offer free score as well. They provide with similar services, but each web page has is peculiarities and perks like no other.
Before diving into the analysis, realize one thing: the credit score you obtain from credit score providers is not based on the official FICO scoring model.
The credit score generated by sites like Credit Karma and Credit Sesame is based on models created by the credit reporting companies. Yet, these scores are quite similar to the FICO one. The main advantage of these services is that they may improve your credit score for free.
Bearing this information in mind, let us review Credit Sesame, Credit Karma, Experian and WalletHub in detail.
Are you saying ‘I need money now to handle the emergency’? The emergent situation can happen to anyone: some sickness can attack you or your family, you may get retired or your car may need urgent maintenance. Maybe you have some emergency cash. But no one knows how much you will need in any particular situation. If it is not enough, you should look for extra financial resources.
Some options can be quite harmless, though others can be potentially dangerous for your financial situation in the future. It is possible to get money wherever you are and whenever you need. How to solve the “I need money” issue? The answer is in this post.
Taking charge of your teeth is essential not only for your health but also for your wealth. In distinction from the general health insurance, that covers all the expenses, the dental one is much narrower and may not cover all of them. When you need some extra dental treatment, like a bridge or crown, it can cost you quite a lot. If you do not have dental insurance at all, it can cost a fortune to treat your teeth. Don’t want to go out of the dental clinic with the empty pockets? Here are some tips to diminish the damage.
If you still do not have dental insurance, the first step you should do is to find an affordable policy. The basic insurance covers $50 a month. But to get extra benefits, you will have to pay much more extra.
Brushing and flossing keep your mouth clear. But only a dentist can clear your teeth perfectly. Without orderly cleanings, one risks getting decay, cavities and loose teeth. If you want to foresee this problem and many global ones, make an insurance to get regular cleanings covered.
Web pages for comparing insurance are must-have to visit. From time to time professional organizations or alumni associations give you a right to get a lower premium.
Take Advantage of Dental Loans
Dental insurance is sometimes helpful, but if a person receives an unmanageable bill, loans for dental work can come in handy. For instance, one should pay several thousand dollars for the removal of wisdom tooth. As a rule, insurance covers $ 1,500 a year for dental procedures. Not every American has dental insurance as well. Dental practice loans help patients pay for dental works in parts, instead of paying one lump sum at once.
Demand for dental care is constantly growing. It is better to take this type of loan than to risk getting a serious disease. That is why more and more lenders are offering dental loans for bad credit to minimize the consequences of the insufficient care. Braces, root canals, and cosmetic gum surgery are the services mostly paid by dental loans. There are also dental school loans, that are often taken to put braces.
Many lenders give dental loans with no credit check. In spite of the level of income, everybody has an opportunity to heal their teeth on time without having a big problem in the future.
Become a Member of Savings Plans
A dental savings plan is quite a fresh concept, but it is getting popular both among patients and providers really at a fast clip. Savings plans collaborate with more than 100, 000 dentists all over the country.
The following plan is based on the membership principle. To enroll one has to pay a yearly fee. The yearly fee and the expected amount depend on the plan. Plan members pay 10-60% less for the dental care. Pay attention that saving plans are not the same as traditional dental insurance. They cannot substitute it.
Get a Discount
Not every dentist participates in a savings plan. But it is still possible to get a discount from him. Just ask about it. You can get a discount if you pay in cash before the procedure or some members of your family are also the patients of this clinic. If you are in a tough financial situation, ask whether it is possible to pay in parts. If you are able to be convincing, try to negotiate a lower price.
Think about a Dental School
To get the needed experience, the dental students practice on real-live patients. If you are not afraid to trust student assistants, you can get cleaning or preventative treatment for free or quite cheap. Do not be afraid to get your teeth damaged. New dentists are also supervised by the professional ones, so an error is next to impossible.
Care about your Teeth
The best way to save money on a visit to a dentist is to take care of your teeth. If you brush and fossil your teeth regularly and check them for gum or cavities, you can avoid expensive procedures.
Your whites will also look much better if you reduce the consumption of sugary and acidic food and drinks.
Whether an apple a day keeps a doctor away is a matter of debate. But when it comes to dental care costs, every option for minimizing your expenses is worth trying it!
We often require some extra money. In the modern world, this is not an insoluble problem. All of us use loans. Living in debt has become not just normal, but necessary for everyone. But there are so many forms of getting money and lenders that give them. It’s quite easy to get lost.
The Pew Charitable Trust’s 2010 report shows, that payday loans are the most popular loan form. 12 million Americans, 5,5% of the whole population took advantage of the online payday loan. And LendUp is one of leading payday loan providers in the US.
Gas will probably become more expensive, but people will continue driving a car anyway. You can save money on gas bill driving around the whole city looking for the best price all the time. However, this driving can also cost a sum. There are some other strategies and tricks that will help you pay less at the pump and reduce the negative impact on the environment.
Maintain your Car regularly
This is the first answer to the question ‘How to save money on gas?’ Try to change dirty filters more often and use the best motor oil for your vehicle whenever you tank it. If you use inappropriate motor oil, engine uses more energy and gas waste increases. If you do not know what kind of oil should be bought for your vehicle, check its manual.
You have probably read and heard the term “fintech” for many times. But what does it really mean? Let us figure it out together. The very structure of this compound word can give us a clue, It is comprised of financial + technology. Fintech stands for a business industry made up of companies using technology to provide financial services such as funding for small business, for instance, more efficiently.
FinTech companies use modern technologies to change, further develop or offer completely new solutions in traditional business areas.
According to The Knot 2016 Real Weddings Study, last year an average cost of a wedding in the US hit a whopping $35,329. With the cost of the average wedding hitting an all-time high, it means that many couples don’t have that money to afford their dream wedding.
Thus, they choose to pay for the ceremony with the help of personal wedding loans. If you are planning your “Big Day” and considering taking out a wedding loan, here is what you might need to know about the way it works.
Según BusinessInsider.com, más del 43% de las familias estadounidenses gastan realmente más de lo que pueden pagar económicamente. Una sociedad de consumo hace que todos gasten más de sus posibilidades económicas.
Por supuesto, todos soñamos tener nuestra propia casa, un coche grande y otras cosas materiales para disfrutar de nuestra vida al máximo. Mientras tanto, nosotros podemos ir al restaurante o comprar la ropa de marca de vez en cuando, pero hay gastos que estadounidense medio no podría pagar inmediatomente.
Due to the rise of online lending, personal loans have become really popular over the last few years. TransUnion has been making yearly surveys and found out that the number of people taking out personal loans has increased by 18% since 2013.
More and more people are relying on personal loans to help them solve temporary financial issues. Especially millennials tend to use them as a way to finance their big purchases or consolidate debts.
So, if you’ve made a decision to take out a personal loan but don’t have enough information about the application process, here is the ultimate guide meant to help you get a loan.
Debt consolidation is a well-known option that helps small business owners deal with the debt crisis. Sometimes it can even save your venture.
Everyone knows that economically weak countries often suffer from the increasing burden of debt. Similarly, people burdened by multiple loans can hardly pay all the debt installments in time. This puts them in a state of financial vulnerability.
Keep in mind that some solutions to such crisis may drag you even deeper into a debt pit. You have to be cautious and know exactly what to do while opting for any of them.
Investment is not a fair weather friend to your finances, but it can be an aspect of your financial portfolio no matter what the market holds. The only difference is where a smart investor puts their money in a bear market, or a down economy, as opposed to the choices of investment during a bull economy.
When the economy is down, it is time to think about long-term investments, since the investor can now buy up funds, stocks, and more at an impressively low price. In fact, a down economy is the opportunity to build and diversify your portfolio at a discounted rate.
Most importantly during these times, be sure to only invest funds you can afford to lose, in case of disaster. These methodologies describe how to make extra money, not create a new proprietary income. The higher diversity you manage during a bear economy, the lower your risk, and below you can find a list of ten diverse options to invest your money.
Purchasing a house will become one of the biggest expenses of the entire life. The mortgage is the thing that you will deal with for the next years. Therefore, your attitude to choosing a mortgage loan and a lender should be as responsible as possible.
Five crucial things will help you to get prepared to mortgage and succeed in the repayment process. By following this simple guideline from Personal Money Service a loan referral site, you will manage to go through the mortgage without stress and unpredictable troubles.
Have missed a car loan repayment and now worry about the consequences? It may happen to everybody. You don’t need to panic but remember to act fast.
Here is what you should think about. Thirty days after its due date your car payment may be considered delinquent on the credit report. And as you know, your credit score is important when applying for any loan or refinancing.
So, if your credit score is hurt, it can decrease your chances of getting approved for the future loans and refinancing your car.
Today we are going to share with you some of the greatest hacks revealed by Joanie Demer who works as a co-founder of The Crazy Coupon Lady. Keep reading to discover the most interesting and useful retail store hacks for Gap, Macy’s and Kohl’s.
Let’s talk about making expensive purchases. We often see something expensive we like very much but feel guilty because we know we can’t afford it.
When it comes to luxury, the name of Louis Vuitton is one of the first to come to your mind. As a result, this brand doesn’t often go on sale or come cheap.
Nonetheless, if you are careful and know some tips and tricks, you will be able to score major savings on luxury brands like this one. In this article you are going to find the best ways to save on Louis Vuitton.
There are two major pessimistic facts about the economy of the USA that everybody can hear often lately: inequality is increasing and the incomes are recessionary.
The table provided by the Quartz Media LLC shows that the average citizen of the USA hasn’t gotten a raise since the 1970s, and the gap between those who get high and low salary has been growing wider and wider over the last decades.
There are different ways to earn scholarship money but most programs have application processes with certain demands. Usually, students are required to submit quite a lot of information including GPAs, transcripts, test scores, resumes, and so on.
Some scholarship programs may even ask you to write several essays and grade requirements, while others don’t demand any essays at all. All in all, why not try it when you don’t have much to lose?
No matter how old you are, like all adults you have probably had thoughts about retirement at least once. We all understand that dealing with this issue is inevitable and we try to think through how to save enough money to keep enjoying the life in later years.
Another important thing about retiring is when to do it. Everybody has probably heard amazing stories about people who retire before turning fifty and it seems absolutely unbelievable. You probably wonder how they manage to pay for a living for a few decades after making this step.
There are always different options and we decided to check how it is possible to retire in early age having five hundred thousand in savings. If senior care is not for you, keep reading to find out if the strategy of an early retirement really works.
If you are new to budgeting, it can often be overwhelming to figure out how to manage your finances each month. Whether you are a recent college graduate searching for your first job or a parent with three kids, the 50/20/30 approach can significantly help you assess your budget.
Not only you should organize, but also you must make hard decisions about how and where to spend your cash. You can’t always count on the experience and learn from the mistakes of other people because your own expenses and finances are unique.
In this article, we will share with you how you can use this 50/20/30 approach to help you see the big picture of where the money is going and how you can change this situation. You will learn a new approach of how to break the budget down to three buckets.
By Jennifer McDermott, Consumer Advocate at finder.com
International travel is an increasingly popular choice for students and young people. In 2012, youth travellers spent $217 billion on tourism spend worldwide. Fortunately, it’s getting easier and cheaper to see the world, and you can save big when travelling by making some smart moves with your money.
No matter what type of auto you are going to buy – used or new – the dealer and the manufacturer warranty will only work for about five to ten years or from 50,000 to 100,000 miles.
It will only depend on the time when your auto warranty will expire. On the other hand, an extended auto warranty can result in better and longer coverage of your vehicle that will go far beyond the pale of manufacturer warranty.
Here are our tips and reasons why you should consider turning to the extended car warranty service and what benefits you can get.
We’ve all been there when you have a financial emergency you need to deal with. You may either need money to get your car repaired urgently, boost your business or for some reason. And what if you have not the greatest credit score? Then, your chances to get an instant help are melting away.
You may ask yourself “where can I find personal loans for bad credit near me?” It may be a good idea to search for the suitable lender locally. But why don’t you consider online options? Maybe short term loans online are what you need. Let’s find out what are those “loan places near me”.
Easter is one of the most favorite holidays for both kids and adults. As we all can see, time is running fast and the holiday is coming already in a little bit more than just one week! Every holiday makes us happy and excited but there’s also the other side.
Most people think that having a good time and buying all the necessary Easter items requires a lot of money and they have to break an emergency fund to make all the necessary purchases. Our financial experts are ready to help you with advice and to prove that celebrating Easter can be affordable! Continue reading to get to know how to save money and buy everything you need.
Unfortunately, financial problems are a part of life and sooner or later everybody face them. But while some people can’t get out of a debt cycle, others try to live within their means and have a need to deal with money problems quite seldom. The question is: how to make your lifestyle frugal and learn to live with what you have? Is it necessary to sacrifice by something to get your financial life in order?
Is it possible to leave all your bad spending habits aside and manage money wisely? There are a few tricks proving that frugal living doesn’t demand great sacrifices. Besides, you can always learn from the best. Find out more about everyday life of frugal billionaires.
So, how much do you need to save to retire? Can you retire with $1 million dollars, for instance? The answer is “yes”. However, you may also retire with more or less money.
What is more, it can be pretty complicated to retire with $10 million dollars. It all depends on the personal situation. Thus, for different people potential minimum varies. The only thing that is similar is that nobody wants to make their retirement years a struggle for existence barely being able to make ends meet.
The majority of financial advisors state similar number, which is also called the holy grail of the retirement analysis: the 4% sustainable withdrawal rate. So, you can withdraw this amount of money and still consider your portfolio to last over 30 years.
Did you know that college students usually graduate with about $25,000 in student loan debt? Statistics shows that about 1 million graduates have debts after graduation, which can be higher than $50,000. Having such big debts it may be tempting to withdraw funds from your 401(k) plan as it seems they are just collecting dust until you retire.
In this article, we are going to share with you some useful tips on how to pay off credit card debt and when repaying the debt with 401(k) account makes sense.
It’s hard to find someone who wouldn’t like to get something for free. As for interest rates and loan deals «0» is a magical number and that’s why consumers literally chase after such offers. Most of them think that there’s nothing better than interest- free credit card.
Quite often people use such cards to deal with the massive debt they have. Opportunity to use the money within definite time period attracts many but not everybody knows that when interest free period will be over then high interest rate will be charged.
Consumers must understand that there’s nothing the credit company will do without making its profit. If there’s something for free then start looking for downfalls. In any case, there are lending products which are good alternatives to interest-free credit card.
On one hand, the majority of entrepreneurs view business credit as a tool that may help their business expand and grow much faster.
On the other hand, credit may be a hard concept to master. Sometimes things get even more complicated and the business can’t stay afloat when it comes to applying for business credit.
Did you know that your business’s credit approval depends on your credit score and can either be hindered or improved by it? In this article, we are going to talk about a few cases when business credit can be influenced by the personal credit history and score of entrepreneurs.
Motor insurance has become a compulsory legal requirement recently. One of the most important parts of car purchasing process is selecting a suitable auto insurance or non-owner car insurance policy.
There is a great number of companies providing insurance services that it becomes more and more difficult to choose the appropriate one from a wide variety of products presented in these companies. How can a regular car owner make the right choice without having certain knowledge and applying some useful tricks?
Being a teenager can be challenging, especially when it comes to personal finances. Many teenagers still rely on their parents and are financed by them.
However, it’s significant to make your children learn about budgeting and saving while they are still young so that they will appreciate the sense of financial responsibility in their adult life when money becomes a much more serious concern.
If you are a teenager having a part-time job, it will also be beneficial for you to learn some budgeting tips and tricks that will help you make the money last between jobs and save for something you want to purchase. Here are the steps you should make.
Big news has taken first places in newspapers and current events recently. “Big names” were spotted in the Ponzi scheme with hit Broadway musical “Hamilton”. The same “big names” invested a pretty penny in the blocks of tickets and were promised to get money back plus 10% surcharge. Now, these billionaires demand money back.
Among the “big names” are Paul Tudor Jones – an American investor, hedge fund manager and Michael Dell – an American business magnate, investor.
According to the informed person, more than 125 people joined this list. The Securities and Exchange Commission reported that scammers managed to end up gathering over $81 million.
In fact, it’s not a commonplace that art-lovers, experienced highly skilled investors are involved in such suspicious deal. Still, the fraud is the fact. The victims still demand their money back. “The suspected” is the most interesting part.
Budget management isn’t always easy. Furthermore, all operations connected with money often require particular attention and extra tools. Finance software can become a useful assistant in the finance management. It’s only important to pick up the right app.
There are plenty of them on the Internet. They differ as they were created for people with different tastes. In order to choose the best budgeting software, you should try at least a couple of them. Personal Money Service made a list of the most reliable and comfortable software. So, you should familiarize with them and choose the best one for you. Professionally designed programs will definitely organize and stimulate you!
If you haven’t saved a million for a retirement, then this article is for you. Senior home care is one of the burdens that most American families caт hardly deal with. Financially supporting either themselves or their aging parents or relatives often becomes an actual challenge.
The cost of services in senior care centers can reach the point of almost $7,500 per month. But even in-home care is not a super cheaper alternative – the nurse would take from $15 to $30 per hour.
Many people think Medicare is supposed to cover bills for senior care. The truth is, it won’t. The long-term care insurance is actually the only type of insurance able to take care of most senior care expenses. However, applying for a long-term care insurance is not common for most of the Americans because of its larger payments.
If taking a long-term care insurance is not an option for you, don’t panic. There are some ways to keep the cost of your senior care much lower.
Financial scandals have taken off during the last decade, with the new frauds yielding billions of dollars worth of illegal profit. However, the history of these frauds is much longer than you might think. Instances of the largest financial frauds are far from developed modern markets and can be dated back to the unpleasant sale of the Roman Empire in 193AD.
In spite of increasingly strict laws aimed at fighting frauds and with government agencies trying to enforce those laws, the world hardly witnesses any decrease in the number of financial frauds. Quite the contrary, its number is constantly growing. Let’s look at some of the world’s biggest financial frauds a little closer.
You’ve already used our wedding tips to save money. It’s time to learn that in the modern world, personal budgeting is a huge responsibility for married couples. More and more newlyweds choose to combine their finances in order to share the most frequent expenses everyone is most likely to meet during after marriage.
Therefore, creating a joint account is very convenient when it comes to paying for rent, utilities, and other bills together.
If you and your partner want to learn how to combine finances after marriage, consider the following points:
Are you a freelance photographer? Or maybe you’re an amateur willing to earn some cash on your hobby? Either way, you should know there are many opportunities to earn money as a photographer both in the real world or the Internet.
PersonalMoneyService have gathered 5 most efficient ways how you can start making money with photography in times when you are short on cash and customers. Just keep reading!
We’re quite used to the Internet and usually don’t even notice how often we use the worldwide network for our routine operations. The availability of information made it possible to learn everything online.
Managing your personal finances isn’t the exception. If you have a real interest in getting more knowledge about money management and budgeting, then the following Internet websites can come right in handy for you. We’ve collected 4 most useful and effective personal finance platforms to make your monetary goals easy-reachable.
Student loans have been in demand for the last few years. Herewith, the overall student loan has now reached the point of more than $1 trillion. From the one side, students have no other choice but taking a huge loan before they can actually start a perspective and a well-paid career. This would help them earn more than they invested in their education.
From the other hand, it creates a lot of questions around the procedure of receiving a student loan since there is no particular guarantee that students would be loyal to their college debt payments in the future.