Tag: financial education

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Tween Cash Hoarder

I find myself thinking about my childhood lately. I can’t pinpoint the reason why it’s coming up now. Maybe because I recently spent some time with a cousin I grew up with. She lives on the west coast and we don’t see each other often, although we do communicate by text a fair amount. As ...

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Selling a Dream: The Myth of Credit Repair Companies

Poor financial literacy, a shrinking middle class and rampant consumerism  have gotten Americans in a lot of trouble (read: debt). And for every problem, there’s always someone with an entrepreneurial spirit willing to offer you a solution for a fee. Allow me to introduce you to the credit repair guy. He can “boost your score, ...

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What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...

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Prey to Play: Exploiting Black Misinformation

In a country built on a legacy of race-based abuse and marginalization, it should be a surprise to no one that segregation was the norm until HUD decided to outlaw discriminatory norms that after several decades (excluding centuries of slavery since “property” cannot own property) of people of color, mainly blacks, being locked out of ...

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Question Everything

I don’t mean to speak for anyone but I’d like to think that we work hard for our money and we would like to keep it. That’s why I discussed fraudulent investments earlier and some of their tell-tale signs to help you recognize and avoid them. But people can be really crafty when it’s time to ...

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No Rest for Dead Presidents: My Dollars aren’t Lazy Bastards

What an awful headline. But I’m not feeling particularly creative today so it will have to do. In an introductory investment post, I liken dollars to employees who must work to make my life better. Money has a significant advantage over us when it comes to working and earning potential. We get tired, we need ...

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Knowing the Investment Products

Investing can be overwhelming. The key is knowing what is available and where to start. There are many investment products. I will list them below and provide a high level overview of some of their features and inherent risks. INVESTMENT TYPE FEATURES COMPANY BENEFITS BENEFITS RISKS Stocks Capital appreciation & Dividend payments Capital & Market ...

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