The Ins And Outs Of DSST Exams: How To Test Out Of College Courses

The Ins And Outs Of DSST Exams: How To Test Out Of College Courses

According to a 2019 report on college trends by CollegeBoard, the average annual tuition cost in 2019-2020 for public in-state universities was $10,440. And the average tuition for private universities was a whopping $36,880 per year. So in order to get a four-year degree, your total cost of education will land somewhere between $41,000 to $147,000. But what if you could earn some of your necessary college credits before you … Read more

Longest Lasting Cars On The Road Today

Longest Lasting Cars On The Road Today

Buying a car that will last a long time is a good way to get the most for your money. But how can you know if you’re spending your hard-earned money on a dependable, long-lasting car? iSeeCars can help with that. Each year they publish a list of the top ten most reliable cars. Every vehicle’s reliability rating is based on the percentage of its vehicles on the road today … Read more

529 College Savings Plan: What You Need to Know

529 College Savings Plan: What You Need to Know

If you’re looking for an efficient account to save for you or your child’s college education, it’s hard to beat a 529 college savings plan. These plans offer unique tax advantages and they’re more flexible than other college savings tools. But while a good portion of the general public understands how retirement accounts work, the average person may have little experience or familiarity with 529 college savings plans. How do … Read more

Paying Off Student Loans Vs Investing? 7 Questions To Ask

Paying Off Student Loans Vs Investing? 7 Questions To Ask

So you’ve worked hard to cut out unnecessary expenses from your life, and you’ve suddenly found yourself with a little extra money each month. What should you do with that money? The question is should you use it for paying off student loans vs investing for your retirement? People have strong opinions on both sides of the aisle. The general argument for using the leftover money to pay extra toward … Read more

CD Ladder: What It Is And How To Build One

It’s difficult to balance getting a good return on invested money with having access to that money when you need it. If you’re looking for the solution to this dilemma, a CD ladder might be the answer. When done correctly, a CD ladder can offer two benefits. First, investors can often get a better return on their money than they would if they had placed their money in a savings … Read more

The Best Value Cell Phone Plans For 2020

The Best Value Cell Phone Plans For 2020

There are a ton of other MVNOs out there that also offer good deals. What makes each discount cell service provider different? Most people go straight to the rates they pay to compare different MVNOs. Doing that won’t give you the full story, though. You need to look into more details to find out what you’re really getting. What network does the MVNO run on? Are your data speeds limited? … Read more

How To Find The Best Homeowners Insurance Policy

How To Find The Best Homeowners Insurance Policy

For most of us, our home will be one of the biggest purchases we make in our lifetime. And your home will often account for a significant percentage of your overall net worth. That’s why finding the best homeowners insurance policy is so critical. No one wants to think that we’ll be the unfortunate person whose home burns down or withstands massive flooding damage. But the truth is that none … Read more

The Ultimate Guide To College Hacking

The Ultimate Guide To College Hacking

According to the most recent statistics, the average Bachelor’s degree recipient will leave college with nearly $30,000 in student debt. But that figure doesn’t include parent debt. Among parents who borrowed to help pay for their child’s education, the average debt load was over $37,000. And that’s per Bachelor’s degree graduate, so parents with multiple college-attending kids could end up with much higher debt loads. Taking the road less traveled … Read more

Dual Enrollment: The Pros And Cons You Need To Know

Dual Enrollment: The Pros And Cons You Need To Know

Each year, college costs rise a little higher. According to the College Board, the average tuition price for full-time in-state students rose by 2.3% in 2019-2020 to $10,440. And the increase was even higher at private institutions, rising by 3.4% to $36,880 per year. As costs continue to climb, so does student debt–now over $1.6 trillion in total. As a future student (or parent of one) what can you do … Read more

Beyond 4%: The Argument For Flexible Spending Rules In Retirement

Beyond 4%: The Argument For Flexible Spending Rules In Retirement

Michael Kitces recently conducted a study of the 4% rule to see if it holds true for longer time horizons. The William Bengen study that the 4% rule is based on didn’t test the 4% withdrawal rate on retirement periods of longer than 33 years. Yet many FIRE retirees may be in retirement for 40-50 years. Does that make the 4% rule too risky? Or, perhaps it’s too conservative?  These are the questions that Kitces’ study set out to answer. And … Read more