Author: Austin Kilham

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Is a SIMPLE 401(k) Plan Right For Me?

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What Is a SIMPLE 401(k) Plan & How Do You Utilize It? The Savings Incentive Match Plan for Employees 401(k), or SIMPLE 401(k), is a simplified …

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5 Tips for Negotiating a Home Sale Without a Real Estate Agent

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A home that’s for sale by owner opens the door for you to buy the property without a middleman — though you may choose to use …

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How To Afford The Tiny House Of Your Dreams This Year

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Many Americans are finding tiny houses, or those that measure several hundred square feet in size, are a welcome way to live. They can be both …

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Does It Still Make Sense to Buy Single-Family Homes in This Economy?

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If you’re in the market for a home, you may have come across the term “single-family home” and wondered what it means and if that is …

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Here’s how much fixing your car radiator will set you back

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The cost of radiator repair or replacement will depend on the cost of parts and the cost of labor. On average, auto mechanics in the U.S. …

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Want to refinance your car? Read this first

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Refinancing your auto loan is an opportunity to lower your interest rate, shorten or lengthen your term, change your monthly payment, and more. Refinancing may be …

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How anyone can make money on bonds (even if you know nothing about them)

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Investing in bonds is a method of lending money to a company or government. Governments, municipalities, and companies issue bonds to investors who are willing to …

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10 satisfying jobs you can do without a degree

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It can be tough to pin down the characteristics of a satisfying job. That’s because satisfaction can be subjective. There are plenty of roles out there …

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How soon can I apply for early retirement & get social security?

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Social Security is a social insurance program created in 1935 to pay workers an income once they retired at age 65 or older. When people talk about Social …

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5 things you should know before choosing a mortgage lender

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Buying a home is likely one of the biggest moves you’ll make in your personal and financial life, and your home may represent one of your …

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Is the US in a financial crisis right now?

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During a financial crisis, asset prices drop rapidly, usually over the course of days or a few weeks. This drop is often accompanied by a stock …

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So, just how rich do you really need to be to own a private jet?

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How much to buy a private jet?, you might be asking. Buying a private jet that’s new typically costs between $1 million and $90 million, depending …

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Does your state have mandatory direct deposit options for checks?

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First, let’s quickly define what a direct deposit is. A direct deposit occurs when money is moved from one bank account to another without the use …

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Is a 401(k) hardship withdrawal ever a good idea?

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According to the IRS, an individual can make a hardship withdrawal if they have an “immediate and heavy financial need.” However, not all 401(k) plans offer …

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What’s the cheapest type of countertop you can get?

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One of the biggest choices you’ll have to make when renovating your kitchen is what material to use for your countertops, which should factor into your …

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6 ways to save for retirement during the prime of your career

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One of the most important things you can do for yourself in your 30s is to start prioritizing retirement savings if you haven’t done so already. …

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These traditional bank alternatives could seriously increase your savings

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Increasingly, there are more and more alternatives to traditional banks and savings accounts. From fintech to mobile banking and money market funds to cash management accounts, …

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Will deferring a loan payment tank my credit score?

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How Does Deferring a Loan Affect My Credit Score? An unexpected layoff or a job loss could make keeping up with debt payments more challenging. When …

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Can my wages get garnished if I don’t pay my car loan?

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What Is Wage Garnishment? Creditors may use a method called wage garnishment when you fail to pay off your debts. It’s a legal procedure that allows …

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8 budgeting apps perfect for couples

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Managing your finances can be challenging enough when you’re single. Add a significant other into the mix, and things can get even more complicated. Even if …

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Here’s what to do if you keep getting denied for a personal loan

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A personal loan can help cover all kinds of important expenses, including home repairs, consolidating debt, and covering an unexpected medical bill. So getting denied for …

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The key to affording an expensive musical instrument

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Musical instruments can be costly. In fact, high quality instruments can run thousands of dollars. Fortunately, if you don’t have the cash on hand to pay …

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How to calculate your actual net worth

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  In some ways, net worth and wealth can be tricky terms to define. To some people, the phrases are synonymous. As others acknowledge, the perception …

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America’s 10 cheapest states for college

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The cost of attending college in the U.S. can be quite expensive. In addition to tuition and fees, students may need to cover the cost of …

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Is it really OK to use your 401(k) to buy a home?

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  Withdrawing money from a 401(k) to buy a house may be allowed by your company-sponsored plan, but this tactic is not always advisable, especially for …

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Common budgeting mistakes & how to avoid them

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Sure, a budget is an important tool to help you balance your income and your spending, keep your savings on track, and help you avoid debt. …

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Here’s how much that dream exotic car will cost you

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You’ve probably imagined yourself behind the wheel of a Lamborghini, cruising in a Maserati, or putting the pedal to the metal in a red Ferrari. Exotic …

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Yes, you should start retirement planning in your 20s. Here’s why

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When you’re starting your career in your 20s, the last thing on your mind may be the end of your career and the retirement that comes …

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Can you afford a classic car?

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Most people buy cars for practical purposes. They need transportation to get to and from work and to run errands around town. But for classic car …

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Can you actually make money renting your car?

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The COVID-19 pandemic has driven up rental prices, which may not get back to normal until 2023, according to some experts. In addition, people who are …