A significant amount of time and money is required to earn a college degree. According to the College Board, in the 2013-2014 school year, the average cost of tuition and fees were the following:
$8,893 at public colleges for state residents
$30,094 at private colleges
$22,204 at public colleges for out-of-state residents
The primary reason people invest in college education is, obviously, the expected return. According to a recent study, the median lifetime earnings that bachelor’s degree holders can expect are nearly $2.5 million. That is twice as much as the expected lifetime earnings of high school diploma holders. It is ...
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Here’s How You Can Permanently Bid Adieu to the Paycheck to Paycheck Lifestyle
You need to set some smart limits on your spending if you’re always stressed about your finances and are living a paycheck-to-paycheck life. Compared to simply earning more, understanding the ways of managing your money will get you further regardless of how much you earn.
You may not believe this but some million-dollar lottery winners became bankrupt in a matter of few years. Why? They didn’t manage their money well. Luckily, you don’t have to suffer the same fate. Beginning this month, start following these six things you can do to avoid financial stress and move away from a paycheck-to-paycheck lifestyle:
Appraise your ...
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Are Debt Management Plans Effective?
The debt support industry is often associated with scams, lies, and rudimentary players. There of course are legitimate firms that help people with debt management and for many observers, nonprofit counselors are the only good news to come out of said industry. However, one thing needs to be kept in mind—the signature offering of credit counselors i.e. debt management plans aren’t effective for everyone.
What are Debt Management Plans?
Debt management plans are often considered as an affordable way to return credit card debt. Furthermore, they’re promoted as a medium to help avoid bankruptcy. After receiving payment from borrowers, the ...
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Six Tips on Coin Collecting
If you want your numismatic coin collection to grow, not just in admiration, but also in value, it is best to keep abreast of the latest news and become as knowledgeable as possible on the subject.
Please consider these five suggestions that can help you become a knowledgeable collector of coins.
Understand the Terminology
Like any profession and hobby, there are a prothea of terms that are familiar to just the category or subject you are working with. Coin collecting is no exception. Familiarizing yourself with the language can help you set your feet better into the coin collecting hobby. Get to know terms such as bag marks and business ...
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Collecting Old Coins – A Hidden Treasure
Haven’t we all heard about grandma's or grandpa’s collection of old coins, stamps or electric trains that are just building dust in their basement or attic? Well let grandma know that she might have accumulated a small fortune and not even know it.
There are also those who are active collectors, but do not realize that the collections that they have might well be a hidden treasure of valuable merchandise.
Let’s talk about old coins. Here you have not just face value of the item, but also the suggested value of the coin itself.
How Do You Determine if a Coin is Worth More Than Its Face Value?
There are many ways to find out if the coin ...
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How is Student Loan Debt Affecting Your Life?
Over the last twenty years, there has been a significant increase in student loan debt. In 1996, the average student loan debt stood at $ 12,850. Today, it’s $35,000. According to a recent survey, loan debt negatively affects the lives of graduates by causing emotional, personal and financial stress. Furthermore, it prevents them from pursuing their dreams. The survey included over a thousand college graduates and was carried out between July 2nd and July 19, 2016. Student loan debt causes stress and prevents you from doing well in life. Based on the survey, following is how student loan debt affects the lives of borrowers.
Prevents ...
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Seven Ways Young People Can Start Building for Their Retirement
Some people wait until they are in their 40s or 50s before they get concerned about their financial future. Although it is never too late to prepare for your retirement, you should start early. If you are in your 20s, this is the perfect time to start building for your financial future.
Below are five interesting ways where you can start building your nest egg:
Stock Up Now and Reap in the Rewards Later
If you don’t know anything about the stock market, that’s OK. You can call any other the major investment banks and they will guide you on how to start investing. However, some people like to do it themselves. Some of the benefits of self ...
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All You Need To Know About Rehabilitation Payments and Student Loan Forbearances
Education is a priority for every student, so when it comes to services like Student Loan Ranger, it becomes a topic of interest, since the nonprofit is deemed as a supportive instrument for students, which helps deal with school debt.
While reading loan terms and conditions for student loan repayments, an individual may encounter a good deal of confusion when trying to interpret between the jargon used and its actual meaning. The area where this issue is most evident is that of involuntary payments and forbearances. To be able to make the right financial choices, you need to understand what such terms entail – which brings us to our ...
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Three Credit Card Mistakes You Should Avoid at All Costs
The way you use your credit card will determine your overall financial health. Using credit cards responsibly will ensure that you do not take on too much high-interest debt. And this is important if you want to avoid hurting your credit score.
Credit cards need to be used responsibly if you want to avoid falling into a debt hole. One misstep or wrong decision regarding the use of credit cards can have serious and long lasting effects on your finances. Below are 3 credit card mistakes that you should avoid at all costs in order for you to remain financially stable and successful.
Avoid the Temptation of Using Credit Cards to Purchase ...
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What are the Pros and Cons of Declaring Bankruptcy Under Chapter 13?
Chapter 13 bankruptcy is also known as wage-earner's bankruptcy or reorganization bankruptcy. It is different from Chapter 7 bankruptcy in that it prevents the surrendering of assets to discharge the debt. Individuals that file for Chapter 13 bankruptcy do not have to sell any of their properties to get out of the debt burden. As a result, most people prefer declaring bankruptcy under this plan.
That being said, Chapter 13 is not for everyone. There are certain disadvantages with this plan that make it unsuitable for individuals. Here, we will discuss both the pros and cons of Chapter 13 bankruptcy that will help you in making an informed ...
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