Today, we are going to talk about a tool that makes investing painless, profitable, and fun. It’s called Betterment.com. I started investing with Betterment in January. I’m now 30 days in and ready to report some reasons why I think every single New Grad needs to have an account. What is Betterment? Betterment is an automated [...]
As a credit card user, there may come a time when you have trouble making your monthly payments. If you’ve found yourself in this situation, read below for some tips on how you might lower your monthly debt payments: Ask For A Lower Interest Rate It may be hard to believe that a simple phone [...]
According to the Federal Reserve Bank of New York, the average student loan balance in 2012 was just under $24,000, and 10% of borrowers owed above $58,000. If you borrowed money to attend college, pretty soon, it’ll be time to pay up. Paying back student loans can be intimidating, especially if you owe TENS of [...]
Sometimes things just don’t go our way at the office. I get it. I felt that way this week. But after I took an evening to recover and recharge, I began thinking “how do I bounce back from this?” We can’t stay down forever, nor should we. In every tough situation, there is a lesson [...]
Entrepreneur Tim Ferris wrote a book called 4 Hour Work Week. This book inspired millions to see their careers differently, search for ways to start their own businesses, and escape the monotony of doing work that they did not love. In this book, Tim describes how at dinner parties he has a hard time answering the popular question “What do you do?”. This is because he has found ways to separate “What he does” from how he creates income. He creates income by running his businesses, but on any givenmore
Financial success is something that takes time and consistency to obtain. As a New Grad, you may be saddled with school debt, struggling to find a job, or trying to figure out how to control your new budget. If you are still learning the ropes of this “financial thing”, that’s okay. Do not pressure yourself to get it all together overnight, simply focus on doing better this year than you did last year. In this post we’ll talk about some ways you can make small financial improvements that will take you a few steps closer tomore
Lately I’ve been reading a lot about entrepreneurship and business, and I’ve found a lot of parallels between running a business and being an awesome early-career employee.
When a small business owner tells you they run a Law practice or an Accounting practice, what are they saying? What’s the difference between having an occupation, and running s practice?
If you’ve got your own practice, you are not just an attorney or accountant. You have taken full responsibility for all aspects of their business.more
Effective communication skills will take you far as a New Grad in the workplace. An effective communicator can clearly articulate why he or she is the best fit for a job during an interview. An effective communicator can make lasting first impressions on colleagues and supervisors. An effective communicator organize a group of colleagues to work together and perform at a level they could not possibly achieve acting separately. A good communicator can clearly articulate complex information in a formmore
The holiday season is here once more! The “most wonderful time of the year”. Unfortunately this is also a time when many healthy financial habits are broken year after year. As New Grads, we are still getting our financial feet under us, so it’s extremely important that we not derail our savings goals over the holidays. Below are 3 ways I’ve found to keep my budge intact during the holidays. Try them out yourself over the next few weeks!
Set a firm budget and stick tomore
You’ve decided that you’re definitely going to become a new homeowner. You’re glued to the television each week that HGTV’s House Hunters airs. You’re busily thumbing through copies of something like the Showcase of Homes put out by your local realtor’s association and combing the “Homes For Sale” section of the local paper. Maybe you’re even going online and looking throughmore
You’ve found it. It’s right there, the perfect house. The neighborhood is up-and-coming, just like you. The school system is the best one in the area, the house is close to work, and you have fallen in love—hook, line, and sinker. You reach for your phone to dial the number for the agent listed on the sign in the front yard…
Hold up just a moment. Understand that a real estate agent can be your greatest asset inmore
As a recent college graduate transitioning into the homeowner or rental marketplace, you can find yourself wondering if you should buy or rent. There are a lot of variables that come into play when making this decision, and you should consider all factors.
There is more flexibility in renting versus buying, especially if there is the chance that rapid promotion in your career or place of employment is a factor. Those promotion opportunities may mean transferring from a place of residence to another city, and beingmore
We’ve all heard the oft-quoted proverb, “The road to hell is paved with good intentions.”. All to often, the message of that saying rings true. Now, although I do not believe I’m on a road toward “hell”, as I look back over the life since leaving college, I can see a number of good intentions that were left unfulfilled. This post is not meant to discourage anyone – quite the opposite actually. It is meant as a wake up call, advisory, and warning to anyone who may be floating through life below theirmore
Have you ever wondered what it’s like to be an “Investor”? Have you ever thought about dipping a toe into the stock market?
As a New Grad, you have no doubt heard older employees discuss stocks, retirement funds, and other types of financial investments. These discussions can leave new employees feeling either intimidated by the financial world, curious about what it’s like to be “in the game”, or both.
Did you know you start investing with as little as $250? Well, in this article I’m goingmore