This article is a continuation of our initial story on launching FinMasters and spending $477,924 to do so, make sure you read that one first for context. Here’s an overview of what I… Read More
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Get The Right Information, Resources & Tools To Get Your Financial House In Order. Blog
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FinMasters is a blog about all things personal finance. Our goal is to provide easy-to-digest content that helps you understand everything you need to set you on a path to financial success. Without sending you to sleep. 🙂
Do you have an old health savings account (HSA) that is just gathering dust? Understanding the HSA rollover rules can help you make the mont of that account.
While you’ll never lose… Read More
SPY vs. VOO vs. IVV: a faceoff between three large, popular index funds, all tracking the S&P 500. But what’s the difference if they all track the same index? And how can you decid… Read More
If you’re balancing VTI vs. VOO, you’re probably looking at putting money into an index fund. That’s generally going to be a good decision. Index funds allow you to diversi… Read More
Starting a business is a fairly common goal in the United States, with roughly 43% of Americans expressing entrepreneurial intentions[1]. But how much does it cost to start a business? You… Read More
Shark Tank is a reality TV show built around entrepreneurs seeking investments in their companies. Some of these companies go on to achieve success. The worst Shark Tank products went absolu… Read More
If you need to borrow money, you might consider applying for a personal loan. You can use a personal loan for all sorts of things but given the different types of personal loans out there, k… Read More
Optima Tax Relief is a legitimate tax relief company that provides services nationwide through an online portal. If your tax problem is relatively simple, you may be better off addressing it… Read More
ABC debuted Shark Tank in 2009, allowing entrepreneurs to pitch their companies to investors in front of millions of viewers. The show has made a bundle, but what about the entrepreneurs? Wh… Read More
Who wouldn’t like an additional income stream? If you can make 100 dollars a day to add to – or even replace – your existing income you can reach financial goals, pay off d… Read More
The days of rigid separation between men’s work and women’s work are long gone, and many of the best side hustles for women are also perfectly good for men. We are still differen… Read More
Most Americans would rather face a root canal than an IRS audit. But if you receive an audit notice in the mail, don’t panic. An audit isn’t the end of the world. The more you un… Read More
How much money do I need to invest to make $3000 a month? If you’re asking that question, you’re about to explore the world of income investing. While most investors measure succ… Read More
Varo Bank’s Believe card is advertised as a worry-free way to build your credit, but does it really work? That’s what we aim to answer with this Varo Believe card review.
We&r… Read More
Canva is a popular online graphic design tool. It’s a simple, intuitive way to create online graphics, presentations, and ads. It’s a great tool for self-expression, but it can… Read More
The average cost of car insurance in the US increased 17.8% from July 2022 to 2023, far outpacing the cost of inflation. With the average US policy now costing $1668 per year, drivers acro… Read More
Nobody wants to be audited by the IRS. Some people are downright terrified by the thought of an audit. If you understand what an audit is and what triggers an IRS audit you can make it muc… Read More
If you’re weighing SPY vs QQQ, you’ve probably decided to put some of your money into an index fund. For most investors, that’s a sound decision. You’ll get a highly… Read More
Financial literacy is a big deal. Dozens of states are offering financial education, and many analysts see teaching financial literacy as the final solution to the money woes of Americans. B… Read More
Private real estate investing continues to attract plenty of interest. In recent years, more investors of sufficient means are turning to private equity real estate and real estate funds to… Read More
A health insurance denial can be terrifying. You could suddenly be on the hook for thousands or tens of thousands of dollars in medical care. Don’t panic: you have the right to appeal… Read More
Freelancers have to worry about more than just doing their jobs. If you’re freelancing, you need to schedule your work, maintain your books, budget, save for a rainy day, and invest fo… Read More
When asking the question “should I buy or rent?”, someone will come up with this claim: “Renting makes no sense. You’re throwing money away by paying a landlord to li… Read More
Real estate is one of the most effective ways to diversify an investment portfolio. It has also traditionally been out of reach for many investors. This is rapidly changing. The best real es… Read More
Your credit score is an important part of your financial life. You’re happy when it goes up, but seeing it fall is frustrating, especially if your credit score goes down when nothing h… Read More
Green energy (and maybe nuclear) may someday be enough to decarbonize our energy systems. Until that day arrives, natural gas – the most climate-friendly hydrocarbon fuel – will… Read More
Finances are often the furthest thing from your mind when someone you love passes away. You need time to process and grieve. Worrying about the financial and credit steps to take when a love… Read More
Many of us are curious about how our financial standing stacks up against others. You might believe you’re in a good financial position, but how do you compare to the average? Conve… Read More
That costly smartphone, filled with finger smudges from constant tapping and scrolling, could be an untapped source of cash. I’m not suggesting that you sell it. Instead, you could gen… Read More
For many people, more seems like better. If you look at two homes, one measuring 4,000 square feet and another measuring 2,000, the natural impulse is to go for the bigger one. Don’t m… Read More
Are you getting rejected when you try to open a new bank account? Your ChexSystems report might be to blame. Luckily, there are several credit unions and banks that don’t use ChexSys… Read More
Starlink, a subsidiary of SpaceX, is the current undisputed leader in delivering internet services through low-orbit satellites, with over 1.5 million subscribers. The company’s rapi… Read More
Personal loans are a flexible financing option that you can use for anything from debt consolidation to paying for a major purchase. But to get a personal loan, you’ll typically need g… Read More
Personal loans are a popular and versatile form of borrowing. With the rising interest in the topic, many are curious about the facts and figures behind these loans – hence, our rou… Read More
Investing is a key part of planning for your financial future, but there are many ways to go about it. Some people manage their investments themselves, choosing and implementing their own in… Read More
Transportation has been powered by fossil fuels for more than a century, first with coal and then oil. Electric Vehicles (EVs) are set to shake up that paradigm. Investors see that change co… Read More
Nearly 90% of Americans are now using digital payment methods[1]. Online payments aren’t just convenient. They can also help ensure that you pay your bills on time. That combination ca… Read More
If you’re wondering how to buy Blue Origin stock, you’re not alone. The billionaire space race has been a media staple, with Elon Musk’s SpaceX and Richard Branson’… Read More
Wondering what is an accredited investor? If you have been in the investing world for a while, you have probably come across the term accredited investor. Perhaps you were trying to buy shar… Read More
If you manage your own portfolio, understanding the true risk and return characteristics of your holdings is essential to achieving your financial goals. By leveraging portfolio analysis s… Read More
Nearly 10 million American households own timeshares in 2023 and for understandable reasons[1]. The arrangement is promoted as an incredible opportunity, guaranteeing you the ideal vacation… Read More
Teenagers are often eager to get their own car once they receive their driver’s license, but there’s a tricky question to answer first. Should parents buy their child a car, or s… Read More
Investing in the best tech stocks has been a path to substantial returns over the last decade. Fortunes have been made (and sometimes lost) by investing in technology.
A key factor is how… Read More
Prop trading is getting attention: search volume on the term has nearly tripled in five years. But what is prop trading, and why are people so curious about it? Could you have a future as a… Read More
“What is an expense ratio?” is a question many investors have, especially when considering popular investments like Exchange Traded Funds (ETFs) and mutual funds. These funds all… Read More
Have you ever wondered how stores trick you into spending more? Despite the inroads made by online shopping and delivery services, most consumers still go to physical supermarkets and depart… Read More
Considering healthcare represents 18.3% of the US economy[1], it’s no surprise that many investors are on the hunt for the best healthcare stocks. This sector is a significant part of… Read More
Wondering how to make $10k fast? $10,000 is not a small chunk of change, and generating that amount fast can be difficult.
The best approach if you want to learn how to make $10k fast is… Read More
You may be wondering, “what is UltraFICO?” Released in 2019, UltraFICO is a new scoring model created by the Fair Isaac Corporation (FICO). It includes your banking history when… Read More
According to the Census Bureau, the number of people with master’s degrees went up by 50.2% during the 10 years from 2011 to 2021. By 2021, there were around 24.1 million Americans w… Read More
In the ever-changing landscape of the job market, remote jobs without experience are increasingly becoming a lifeline for many. Whether you’re a new graduate, someone looking to pivot… Read More
Curious about the average 401(k) balance? Americans hold $6.6 trillion in assets in 401(k) plans, making the 401(k) one of the nation’s leading vehicles for retirement savings. Let&rs… Read More
How does a personal loan affect your credit score? Like most types of credit, it will show up on your credit report and have an impact on your credit score. What that impact is will depend o… Read More
Energy is a fundamental need, and industrial societies consume it in gargantuan and ever-increasing quantities. This consistent demand makes the sector attractive to investors, particularly… Read More
Just a few generations ago, most items around us relied on mechanical systems to do their job, with electronics limited to radio and advanced computers the size of a building. Today, almost… Read More
How often do you see the doctor? If you’re the average American, this number is four times a year[1]. Each time you visit the doctor, you’re handed a bill, but have you ever ques… Read More
Who wants to be a millionaire? You don’t have to be a game show contestant to answer that question. For many Americans, $1 million is the target goal of their retirement account. The k… Read More
Finding the best credit cards according to Reddit can be a challenge. Credit cards are essential financial tools for various reasons: they help in building credit, saving money through cas… Read More
Real estate is one of the first asset classes investors think of when they look for ways to diversify their portfolios. It has also traditionally had a very high entry cost. It is still poss… Read More
Outsourcing statistics reveal that many companies entrust their business processes to external contractors. These third parties are typically specialized providers with the expertise to h… Read More
Twitter is in the news these days. Controversy seems to follow the company, and its visibility far exceeds its size and actual presence in the social media world. Controversy gets noticed… Read More
What’s the average clothing cost per month? And how much do we spend on clothing overall? These are some question many ask, especially considering that most American budgets are dom… Read More
Oil stocks have long been a popular investment choice, and identifying the best oil stocks is crucial for savvy investors. Oil has been the lifeblood of economic activity since the invention… Read More
If you are one of the more than 25 million Americans stuck with medical debt, attempting to write a medical bill negotiation letter may be the answer[1].
Hospitals negotiate with insuranc… Read More
When looking for investing ideas, slow and steady can sometimes be the best. While explosive growth or deep value are popular methods, so is income/dividend investing. And most of such strat… Read More
Battery stocks have gained prominence as, in just a few years, batteries have transitioned from mere cheap accessories to vital components in electronics and now to the cornerstone of the EV… Read More
Timeshare exit scams are on the rise, with a recent study revealing that around 85% of people who buy a timeshare end up regretting their decision[1]. Ever-escalating fees and changing vacat… Read More
If you’re wondering how to survive a timeshare presentation then you’re certainly know what the dangers are. Those presentations are the industry’s primary marketing tool:… Read More
Finding the best stock picking services isn’t easy, given the complexities involved in mastering the art and science of selecting the right stocks at the right times. There are so ma… Read More
Wondering how to sell plants online – from home – and also how to make money from it? You’ll be happy to know that there’s a huge market for that. In this post, we… Read More
Is a timeshare an investment? If you’ve ever heard a timeshare sales pitch, you’ve probably been told that a timeshare is a good investment, one that appreciates and can be sold… Read More
Curious about how McDonald’s makes money? You might think that’s a ridiculous question. It’s a fast-food restaurant, so it makes money from selling burgers, fries, and othe… Read More
Discovering the best AI stocks has become a fascinating journey amid the boom of artificial intelligence (AI). As the buzz around this revolutionary technology intensifies, we find ourselves… Read More
Quantum computing stocks are a hot topic these days. If you try using ChatGPT, one of the first prompts you’re likely to encounter is “Explain quantum computing in simple terms… Read More
Understanding how to qualify for Medicaid is essential as healthcare is a vital need that no one should be deprived of. Many Americans continue to grapple with limited insurance access and t… Read More
Want to know the current state of the automotive industry in the US? Here are the latest stats on the US car market, including sales volume, best-selling brands, average transaction price… Read More
The timeshare exit business is notoriously sketchy. Many companies market their services aggressively and make promises they can’t keep. Some are outright scams. We’ve collecte… Read More
E-commerce adoption has been on a consistent rise. The COVID pandemic made buying from home irresistible, and once the habit set in, it was here to stay. Annual e-commerce spending in the… Read More
If you’re one of the many owners that are trying to get out of their timeshares, you will need to approach your situation realistically, evaluate your options carefully, and be very wa… Read More
Silver has a long history of being used as currency and has long been considered valuable for its own sake, whether as coins or as jewelry.
Silver has also emerged as an indispensable raw… Read More
On average, most people spend between $50 and $100 on a single date, and often much more when it’s the first one[1]. So what do you do when the money is tight, and you have a big dat… Read More
I Bonds are a type of United States government savings bond that is designed to help investors keep up with inflation. The interest rate on these bonds is composed of a fixed rate plus an ad… Read More
In times of economic volatility, some sectors are more resilient than others. One of them is the food industry, as food is ultimately one of these items we HAVE to spend on.
This is obvio… Read More
There are a few things worth considering when choosing between a home equity loan and a cash-out refinance. While both loans let you tap into your home’s equity, the ideal uses for e… Read More
More than 165 million consumers in the US alone have a credit card account. The total credit card debt reached nearly $1 trillion in early 2023, an all-time high. The average credit card… Read More
Have you applied for a new credit card or loan just to receive the dreaded “insufficient credit history” rejection? You’re not alone. TransUnion estimates that 45 million… Read More
TrendSpider and TradingView are two of the most popular trading tools on the market for a reason. While the two platforms have their differences, each offers excellent functionality to suppo… Read More
Copper is the invisible backbone of the modern world. It is required in every single wire, transformer, electronic device, battery, EV, windmill, solar panel, motor, air conditioner, and muc… Read More
Traditional gender distinctions are quickly fading away from the world of work, and there are very few jobs left that are strictly “for men” or “for women.” There are… Read More
Cred.ai offers an alternative to traditional credit cards offered by large banks, a different kind of card with security and credit building in mind.
Opening a Cred.ai deposit account and… Read More
Table of contents:
Quick Stock OverviewIllumina by the numbers.
1. Executive SummaryA brief discussion of Illumina and its potential appeal to value investors.
2. Extended SummaryA m… Read More
Couponing is a way to save money on everyday purchases, and many consumers use it as a strategy for budgeting and managing their finances.
How many people use coupons, and how effectiv… Read More
You don’t need a loud personality and social confidence to maintain healthy finances. On the contrary, today’s age of remote work and freelance gigs is employment heaven for intr… Read More
Lithium has become one of the most in-demand commodities in the last decade. It was already useful for lithium-ion batteries for electronics, but it is really EVs (Electric vehicles) that bo… Read More
The credit score you need to buy a house will depend on the type of mortgage you’re applying for, other factors that lenders use to evaluate your creditworthiness, and on the interest… Read More
Around 4.48 billion human beings on the planet have and use social media, and the average millennial has about 8.4 social media accounts[1]. It’s safe to say that the internet has… Read More
No, “Weird Ways to Save” is not an incredibly catchy Internet meme song, even though it could be.
For anyone who’s considering writing that song – or anyone who&rs… Read More
Millions of Americans are carrying more debt than they can possibly pay, often as a result of medical issues, job loss, or other factors beyond their control. Debt settlement and bankruptcy… Read More
Setting up your home interior can be a great project, or you may just need to replace pieces of furniture that have worn out. But what if you have less-than-stellar credit? Furniture is expe… Read More
Taking charge of your finances when you’re barely making ends meet can be challenging. Cutting your spending helps, but it can be hard to do, and getting started is often the hardest p… Read More
