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The FED, The Dollar, and Opportunities

January 13, 2021 by Jacob Sensiba Leave a Comment

My post for today was supposed to be a personal reflection, but in lieu of that, I’m going to lay out my thoughts on the market and the economy. Which includes the FED, the dollar, and inflation. In addition to that, I want to explain where I see risks and opportunities right now.

The dollar

We can expect the Federal Reserve to continue an accommodative monetary policy. They will invest in the fixed income market and they’ll resume the low-interest-rate stance.

If they continue this response to the Covid crisis, the dollar should go down in value. There are some risks and opportunities that arise if that happens.

Gold and cryptocurrencies should increase in value. A devaluing in the dollar is, normally, the right landscape for “alternative currencies” to do well.

International securities, especially emerging markets, do well when the value is priced lower. A large majority of international transactions take place using the USD. The value of their home currency goes up in relation to the USD.

The technology sector also has a negative correlation to a falling dollar. When the dollar goes down, that sector tends to outperform.

If the dollar, indeed, goes down look at these areas for possible investment opportunities.

The FED

As I mentioned earlier, the FED will continue to create an accommodative environment for the economy…until they don’t.

At some point, the recovery will gain momentum. GDP will go up and the population will gain confidence in that recovery. At this juncture, inflation will pop onto people’s radars.

If inflation runs too hot, the FED could possibly stop, or reduce, QE. They could halt the bond-buying program and they could raise rates. If that happens, keep your eyes out for a pullback.

We saw this happen at the end of 2018. The FED started raising rates until they went too far, and we had a 20%-25% decline in Q4. Then they reversed course and began easing again. We had a run-up in the market until March of 2020 when Covid hit.

Long term

I believe tech and healthcare will be the two sectors to watch over the next decade or more. With technology getting more advanced every day, investment opportunities will present themselves in these two areas.

Green energy, especially with the incoming administration, is also an industry with big potential. Technology will play a large role in the advancement of renewable energy.

My biggest concern

And I’ll preface this by saying I’m concerned because I truly don’t know the implications of it. MMT looks as likely as ever at this point.

The favorable stance by the FED plus the democratic party holding the House, the Senate, and the Presidency leads me to believe printing money is going to pop off.

An aggressive agenda to provide relief for Americans struggling because of Covid, a push for expanded Medicare/Medicaid benefits, possible student debt relief, as well as other initiatives.

It appears that reducing the national debt is not a concern. To be fair, it wasn’t a concern for the Trump administration either.

The bill comes due for everyone, and if other countries (namely China) are no longer buying US Treasuries like they were, I do not know how we can fund policies, branches, or even service the existing debt. Only time will tell.

Conclusion

I will close by saying that these are my opinions. Granted, I do a lot of research to come to these conclusions, but what I said above are still my thoughts and not foregone conclusions. Do your own research.

How Much Cash Is Needed to Start a Pawnshop?

January 6, 2021 by Jacob Sensiba Leave a Comment

So you want to start a pawnshop. Where do you start? What do you buy? How much is this all going to cost?

A pawn shop can be a very cash-positive business. While doing research for this post, I stumbled onto a Quora thread that showcased how much money can be made with such an operation. The profits ranged from $30,000 per year to $60,000 per month.

But, you have to get started. In today’s post, we’ll highlight what you need and what it’s going to cost.

What do pawn shops do?

First off, we have to talk about what a pawnshop actually does. Pawnshops buy, sell, and trade items. These items can come from the owner’s personal collection, something they acquired via purchase, or something they acquired via loan collateral.

When someone comes to a pawn shop to borrow money, they have to bring something of value for collateral. When the pawnshop lends money to this individual, they retain that valuable item until the principal (plus interest) is repaid. If they fail to repay, the pawnshop keeps the item.

Legal and location

There are many things you need to obtain when you start a pawn shop.

You need to take care of the legal requirements first. This includes licenses, articles of incorporation for your business entity, and permits.

Licenses include a pawnbroker’s license, precious metal dealer license, secondhand dealer license, and Federal Firearms License (if you plan on selling firearms) from the ATF.

The next thing you need is space. Where you set up shop is an important decision. The right location can bring in a lot of traffic and improve your earning potential. However, the right location comes at a cost.

Areas with high foot traffic cost more. Often, pawnshops will choose a space that’s close to a popular area, far enough away that it’s not too expensive, but close enough to make it convenient for the consumer.

Assets

There’s a minimum asset requirement needed to open. That number depends on the municipality, state, and country you plan on setting up shop in. For example, Texas has a $150,000 minimum requirement.

What do you need?

After you have all of the proper licenses and permits and pick where you’ll operate, you need to buy things to be operational.

These items include a computer (computer system/network), cash register, signs, equipment to display your products, record keeping, insurance, lockable cases, and a state-of-the-art security system.

What you’ll also need is an adequate amount of capital to purchase more inventory and lend money to consumers.

What’s going to cost

Depending on the size of your pawnshop and the anticipated foot traffic, your start-up costs will vary. If you’re a larger shop with a high probability of having a lot of visitors/customers, your starting capital could be between $50,000 and $75,000. A smaller shop with lower projected traffic can get by with $15,000.

Last bit of advice

When you start a pawnshop, you need to refine and learn some new skills. You have to educate yourself on how to assess the value of goods so you can acquire sellable items, but not at a cost that eats into your profit margin.

Also, you have to come up with a business plan. What interest rate will you charge on your loans? How much will you mark up the items you sell? How much are you willing to pay for inventory?

All of these questions need answers. Keep in mind, that this planning process should take place prior to buying the necessary licenses and other items to get the business started.

What Could Cause a Credit Score Drop of 100 Points?

December 28, 2020 by Tamila McDonald Leave a Comment

why did my credit score drop

If you’re wondering why did my credit score drop, the answer may or may not be simple. There are a lot of actions and activities that could cause your credit score to tumble, at times dramatically. However, if you’re credit score fell by 100 points in a single moment, the list of potential reasons tends to be shorter. If you’re wondering why did my credit score drop 100 points, here are some possibilities.

[Read more…]

Tamila McDonald

Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.

Why Are Fixed Expenses Difficult to Reduce?

December 23, 2020 by Jacob Sensiba Leave a Comment

When you’re making a budget, there are two columns: income and expenses. A large majority of those expenses don’t change from month to month or change very little. These are fixed expenses. If you’re trying to cut costs, you may find that the fixed expenses are difficult to reduce. Why is that? How do you reduce fixed expenses?

We’ll explore the answer to those questions, among others, in today’s post.

Types of expenses

There are two types of expenses. Fixed and variable.

As the names suggest, fixed expenses don’t change or rarely change. Generally speaking, fixed expenses are the largest, recurring expense. Things like your rent or mortgage, utilities, internet, streaming/cable, debt payments, and insurance are all part of your fixed expenses.

Variable expenses, on the other hand, are constantly changing. There isn’t a bill or invoice you get every month. A variable cost is paid by your own directive. Things like groceries, “fun money”, and the like are variable expenses.

Fixed expenses rarely change or vary slightly, and someone or some entity is looking for a payment. Variable expenses constantly change and are voluntarily paid.

Why are they so difficult to reduce?

When you first “sign up” or “agree” to these expenses, more often than not, you’re already shopping for the lowest price for that item.

What else? Internet, streaming, and cable have a pretty standard rate when compared to competitors. Debt payments are structured by the length of the term, interest, and (when referring to credit cards) minimum payments.

Basically, the costs are what they are, and they don’t vary a whole lot.

Methods for reducing fixed expenses

Mortgage payments could decrease if you refinance at the right time. Utilities could go down if usage goes down. Insurance premiums could go down if you mess with coverages and deductibles, but I advise you to talk with an agent first.

Cable/dish generally increases after one year. Often, you get an introductory rate for the first 12 months. If it goes up too much, call and complain or threaten to leave. Normally, they’ll oblige and agree to lower your monthly bill.

If you have a debt to pay and money is tight, talk with your lender or credit card company. Let them know about your situation and they might be willing to work with you.

Should I Tap My Retirement Funds for Medical Expenses?

December 21, 2020 by Tamila McDonald Leave a Comment

Your retirement account is a critical nest egg. It’s money specifically set aside to ensure you can handle your bills and live comfortably after you leave the workforce. Making it a crucial resource. However, when large expenses, like extensive medical bills, are hanging over your head. It may be tempting to tap your retirement account to handle the obligations. If you are wondering whether you should tap retirement funds for medical expenses. Here’s what you need to know.

Can You Use Retirement Funds for Medical Expenses?

Yes, you can potentially use retirement funds to handle medical expenses. In fact, it’s one of the few instances where you can possibly withdraw money without being slapped with an early withdrawal penalty from the IRS.

Usually, these are referred to as hardship withdrawals from 401(k)s and IRAs. Typically, you need to have an immediate and significant financial need that falls into a qualifying category to make this kind of withdrawal. Medical bills are potentially a qualifying expense.

Additionally, to avoid the early withdrawal penalty. You would have to make the withdrawal during the same year you incurred the medical debt. Also, the total of the unreimbursed medical expenses would have to be more than 7.5 percent of your adjusted gross income (AGI). If either of those conditions isn’t met. You’ll have to pay the 10 percent early withdrawal penalty.

It’s also important to note that certain retirement plans may prevent or limit hardship withdrawals. If you’re using an employer-sponsored retirement program, you’ll need to contact the program administrator to see what options may be available. For IRAs, you’ll need to reach out to the financial institution overseeing the plan.

Could a Creditor Seize Your Retirement Account If You Have Unpaid Medical Bills?

Some people consider using retirement accounts to pay medical bills merely because they believe the institution they owe could seize those funds anyway. As a result, they withdraw the cash to make the payments, assuming that using that money for that purpose is practically inevitable. However, that isn’t universally the case, as some accounts are shielded from this kind of seizure.

Whether your retirement account is protected from creditors depends on the type of account involved. Generally speaking, creditors can’t seize your employer-sponsored retirement accounts even if you have unpaid medical bills and owe them substantial amounts of money.

Employer-sponsored retirement accounts – including pensions and 401(k)s – are typically shielded from this kind of seizure due to federal laws governing the matter. The only exception there tends to be if you owe money to the government, such as back taxes.

For traditional or Roth IRA, the situation is blurrier. You can exempt a certain amount of traditional or Roth IRA savings during bankruptcy proceedings, per federal law, but that’s really the only concrete protection available at the federal level.

However, your IRA may be protected by state laws. Since those rules can vary, you’d have to check locally to see what protections are available and if they apply to your situation.

Should You Tap Your Retirement Account to Pay Medical Bills?

Whether you should tap your retirement account to handle medical expenses is ultimately a personal decision. But, in many cases, it may be wise to explore alternatives first.

For example, many hospitals and medical facilities will set up repayment plans, often without interest charges. They may also have programs for low-income households that could eliminate some or all of the debt right off of the top, which could be worth exploring.

You may also have access to financing. For example, a 401(k) loan may be a better option in the long-run. With that, you borrow against your account instead of actually making a withdrawal.

If you’re in dire financial straights due to medical debt, you may even want to consider bankruptcy. While the ramifications are certainly substantial, you could potentially eliminate any medical debt while protecting some or all of your retirement savings.

Ultimately, the choice of how to proceed is yours. Just understand that you may have options available that you’ve yet to explore, so don’t default to making the withdrawal. Instead, see which paths are potentially available first. Then, select the one that’s genuinely right for you.

Do you think people should tap retirement funds for medical expenses? If so, do you feel it was a wise decision? Share your thoughts in the comments below.

Tamila McDonald

Remote Workers Get Paid to Live In These Locations

December 14, 2020 by Tamila McDonald Leave a Comment

remote workers paid to live in these locations

When you work remotely, you’re not stuck living in a specific city or state. This gives you a lot of freedom, as you can essentially take your job with you no matter where you head. Plus, it creates a unique opportunity. As a means of attracting more professionals, some locations actually pay remote workers to relocate there. If you want to see if these programs could work for you, remote workers are paid to live in these locations.

[Read more…]

Tamila McDonald

What Happens When Your Debit Card Expires?

December 9, 2020 by Jacob Sensiba Leave a Comment

Depending on what financial philosophy you subscribe to, a debit card may be your best friend. Paying with a debit card is a surefire way (outside of loans) to make sure you don’t have any debt. But what happens when your debit card expires?

In today’s post, we’ll answer that question, as well as some related questions.

Why do debit cards expire?

The reason debit cards expire is to prevent fraud. Banks and credit unions make you “renew” your card to thwart fraud.

Think about it. When you’re making a purchase online, they ask for various pieces of information. Name, billing address, card number, security code (CVV), and EXPIRATION DATE.

This also gives the card issuer (bank or credit union) the ability to keep their customer’s identity safe. Every few years, cards get more sophisticated and come up with a new feature. Magnetic strip, then chip reader, then contactless.

Your card number shouldn’t change when it is renewed. The only time your number would change is if you cancel your card, due to losing it or someone stealing it (or the number, expiration date, and CVV), and you need your financial institution to issue you a new one.

Your replacement card

When your debit card expires, your replacement card will come in the mail at least one week before your card is set to expire.

Once you receive your replacement card, activate it, and securely destroy your old card. There are a couple of ways to destroy your old debit card.

Shred it
Cut it up and place pieces of the old card in different refuse bins around your home. Better to even throw out pieces across multiple pickups. One week, throw out a piece. Then throw out more than next week. And so on.
For more…read a related post about recycling bank statements.

Word to the wise

Expired debit cards cannot be used to make purchases. If you try, your card will decline. If you have recurring purchases tied to your card, make sure that’s updated with the new expiration date.

The Best, Low Maintenance Way to Invest 30K

December 2, 2020 by Jacob Sensiba Leave a Comment

If you’ve been building your savings to start investing and you’ve managed to put aside $30K, you may be wondering what your next step should be. How do I invest 30k? What is the best, low maintenance approach?

Here are some great ways to apply that 30K towards growing your wealth.

Pay Off Debt

First and foremost, use some of the money to pay off any debt you may have. It will save you money in the long-run. If you’re carrying a $10K credit card balance with a 15% interest fee, you’ll be paying an extra $1500/year in interest. That’s money that can be better spent on investments down the road. If you want to invest 30k, first start by getting rid of debt.

Emergency Fund

If you don’t already have one, put some of your money aside in an emergency fund so you know you’ll be able to manage if something unexpected happens. You should have 3-6 months’ worth of expenses put aside in an easily accessible account like a savings account. Just make sure it’s not linked to your debit card so you can’t spend it. The period of time you need to cover varies based on how long you think it would take you to find another job should something happen to your current job.

Earning return

What’s next has all to do with three things: risk tolerance, time horizon, and investment objectives. As a matter of fact, that’s how all of your investment decisions are made.

There are several different vehicles you can utilize, so what I’m going to do is give each vehicle its own section, explain what it is, and then give a little more detail as to when it could be used.

Certificate of Deposit (CD)

A bank product with a specified interest rate and a specified maturity. CDs are used to hold money for a specified period of time in a virtually risk-free fashion. More about CDs.

You’ll choose a CD for two reasons. The first is if you want a safe, federally insured vehicle to stash away some cash. The other reason is if you do not want to touch that money for a specified period. For example, you’re going to buy a house in three years and you don’t want to jeopardize that down payment. You buy/invest in a 3 year CD. At the end of year three, you’ll get back your principal (what you put in) and some accrued interest. Early withdrawal penalties apply.

Savings/Money Market Accounts

Typically used for your emergency fund. Easily accessible, and able to earn a little interest.

That’s pretty much it when it comes to these accounts. The interest they offer will be (not always) pretty low, but, like the CD, it offers a very safe place to store your cash until you need it. Unlike the CD, however, there are no early withdrawal penalties.

Qualified accounts

Basically any retirement account. Traditional IRA, Roth IRA, and employer-sponsored plans (401k, Simple IRA, etc.). There are contribution limits associated with these accounts.

With these accounts, as I said, contribution limits are something to pay attention to. With your Traditional and Roth IRA, there’s a $6,000 contribution limit ($7,000 if you’re 50 and older). 401ks have a limit of $19,500 (25,500 for 50 and older). Simple IRA limit is $13,500 ($16,500 for 50 and older).

This is a long term investment solution, as early withdrawal penalties apply. There are several ways to “exempt” yourself from that penalty, however, such as a first home purchase. For an extensive list of these exemptions, click here.

These accounts are also called “tax-advantaged” accounts because, as the name suggests, there are tax advantages. You either lower your taxable income with your contributions or have the ability to withdraw the funds “tax-free” (barring an early withdrawal penalty, of course).

Non-Qualified Accounts

Brokerage accounts or any investment vehicle that doesn’t have any tax benefits. Meaning, you pay taxes on any capital gains and dividends you receive. No contribution limits.

Honestly, the only advantage to these accounts is there is no contribution limit. For example, if you’ve maxed your contribution for your employer-sponsored plan and your IRA, then you can dump the rest of your money here.

Health Savings Account (HSA)

Accounts specifically designed to help you with your medical expenses. Money that you contribute to this account is “tax-free” or “tax-deductible”, which means it lowers your taxable income. Also, the funds, if used for qualified medical expenses, are tax-free.

With some, not all HSAs, you can invest what you’ve contributed. So if you have 30k to invest, I’ll point you to the below section to help with that. There are contribution limits with the HSA, however, so keep that in mind.

Asset allocation

After you’ve selected an investment vehicle (this section does not apply to CDs, savings accounts, or money market accounts), it’s time to invest your capital.

Asset allocation is my preferred method to invest, and I’ve written extensively on it here. So if you want to invest 30k, here’s what you need to ask yourself. How long until I need these funds? What is my ultimate goal for these funds? What am I willing to lose?

If your time period is less than 5 years, ignore this section and stick your money in a savings account or a CD. The risk/reward is unfavorable in this scenario.

If you have, ideally, 10+ years, then you have some options. The next question is about risk tolerance. What kind of portfolio are you comfortable with? Using the stocks/bonds/cash breakdown, are you a 60/40/0 type of person? Maybe you’re quite tolerant and prefer an 80/20/0 approach.

For those of you that are not tolerant of risk and/or you have a shorter number of years until you need to access these funds. Your portfolio should start at 50/50/0, and then adjust as you see fit. The cash portion in this breakdown should be used as investable cash for when you see a buying opportunity and/or funds you’ll need access to in the near future (unriskable capital).

Risk Tolerance

If you really want to know what your unique risk tolerance is, take our quiz!

I know I didn’t really give a concrete answer to what’s posed in the headline, but that’s the thing about investing – it’s incredibly personal. You need to do what’s best for you.

If time is on your side, max your retirement contribution, then put the rest in a savings account until next year. At that time, max it again.

If time isn’t your friend, a CD isn’t a bad idea. As I said earlier, paying down/off debt is incredibly worth it. That’s an automatic 15% return on your money if you pay off your credit card. Money that can be used more effectively going forward.

Read our articles, ask for advice, and do what’s best for you. That’ll help you answer the question: how do you invest 30k?

**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see website for full disclosures: www.crgfinancialservices.com

Jacob Sensiba

mygfpartner.com/jacob-sensiba-wisconsin-financial-advisor/

5 Steps For Getting The Most Money for Your Used Car

November 30, 2020 by Tamila McDonald 1 Comment

get the most money for your used car

When you want to sell your used car, getting as much as you can out of the deal is typically the goal. While some factors – like the make, model, and mileage – of your vehicle aren’t changeable, there are things you can do to make sure you get the most money for your car. If you don’t know where to begin, follow these five steps.

1. Spruce Up Your Vehicle

If your car looks nicer, it may sell for more. Before you list it as available for purchase, spend time sprucing it up. Get it detailed. Repair any minor cosmetic defects. Make sure it smells nice.

You should also handle routine maintenance that’s come due. For example, if it’s almost time for an oil change or its fluids are low, take care of those issues, if possible.

2. Know the Value to Get The Most Money For Your Used Car

Understanding what your car is worth is a critical part of the equation. It allows you to set a reasonable price based on the vehicle’s condition, mileage, features, and general desirability.

If you don’t know where to begin your research, sites like Kelley Blue Book, Edmunds, and Consumer Reports can be great starting points. You can also lookup how much used cars like yours are selling for in your area by checking out used car sites, Craigslist, or other similar resources.

3. Understand the Pros and Cons of Each Approach

Typically, if you’re selling a used car, you can go one of two routes. First, you can try to sell it to a dealership. With this option, you may be able to offload your vehicle quickly, which could be ideal if you need fast cash.

However, you’ll have to deal with negotiating with a professional salesperson, which can be challenging. Additionally, you’ll usually get less this way as they need to have enough of a margin to turn a profit when they sell the car. If you shop around, you can find the best deal, potentially netting you a little more.

Otherwise, you can try to sell your vehicle privately. With this approach, you’ll typically make more. But it usually takes more time and effort. You’ll probably need to place ads, follow up with interested parties, handle showings, negotiate prices, and more.

4. Gather Your Records

Maintenance records can make it easier to get top dollar. You can show that you’ve actively followed manufacturer service recommendations and otherwise stayed on top of things.

If you have receipts, that could be enough. Put them in order by date, potentially in a binder, so you can easily show what you’ve handled.

If you don’t have records, reach out to your service station. Some can print out copies of everything that’s been handled by them, giving you a quick list of the maintenance that’s been performed over the years.

5. Be Ready to Negotiate

Negotiation is simply part of the game. In nearly every case, a buyer’s initial offer is going to be on the low side. Make sure you’re ready to reject lowball offers outright and are prepared to counter.

Usually, the best approach is to know your car’s value, as well as the minimum amount you’re willing to accept. If you need to sell fast, you’ll usually need to be open to less than the market value. However, that doesn’t mean you have to start there or can’t counter against an offer that’s ridiculously low.

Negotiating can be stressful. But with some care, you can secure a fair price for your used car.

Do you have any tips that can help someone get the most money for their used car? Share your thoughts in the comments below.

Tamila McDonald

Why Understanding Your Paycheck Stub Is Important

November 25, 2020 by Jacob Sensiba Leave a Comment

Understanding your paycheck stub is essential. Your paycheck stub is included when you get paid. Whether you do direct deposit or get paper checks, the pay stub will show important information about your pay.

There are several key pieces to the paycheck stub – gross earnings, taxes, deductions, and net earnings. There are also other, seemingly, unimportant things on your paycheck. The information included on a paycheck stub include:

Hours works
Wages earned – gross and net
Overtime
Benefits – i.e. health insurance premium payment, retirement plan contributions
Taxes – federal, state, fica (social security 6.2, medicare 1.45, and .9 surtax if you earn over $200,000
Year to date info – hours, wages, taxes, benefits, etc.\
Personal information – name, address, social security number
Date of pay period
Pay rate
PTO, sick days, vacation days

Why is understanding your paycheck sub so important?

A pay stub is a way of keeping accurate records. It shows what employees worked, what they were paid, what taxes were taken out, retirement contributions, etc.

Because it’s your responsibility to report and address discrepancies. If you think you got paid less than you were supposed to or worked more than what’s reported, you need to bring that up. If your deductions (retirement plan contributions, taxes, health insurance premiums) appear to be less or more than you assumed, you need to bring that up.

Why are those things important?

What you earn is what allows you to afford to live. If you worked more or worked overtime, and it wasn’t reported correctly, your paycheck can suffer.
Taxes are incredibly important – if you expect to get money back on your tax return, but come to find out they weren’t withholding enough, you can end up owing instead. Your withholdings are very important to understand.
Health insurance premiums – if you’re not paying enough, your policy can cancel due to non-payment. What happens then? You go to the doctor and pay through the nose because you don’t have coverage?
Retirement plan contributions – If they “contribute” too much, you will have less on your check. If they “contribute” too little, your nest egg will suffer.

Paycheck stubs are incredibly important. They help you and your employer keep track of pertinent information, like taxes, health insurance premiums, retirement plan contributions, and your salary. Make sure you understand it and make sure you address any sort of discrepancy. That’s your responsibility.

The dollar

The FED

Long term

My biggest concern

Conclusion

Related reading:

What do pawn shops do?

Legal and location

Assets

What do you need?

What’s going to cost

Last bit of advice

Related reading:

Types of expenses

Why are they so difficult to reduce?

Methods for reducing fixed expenses

Related reading:

Can You Use Retirement Funds for Medical Expenses?

Could a Creditor Seize Your Retirement Account If You Have Unpaid Medical Bills?

Should You Tap Your Retirement Account to Pay Medical Bills?

Why do debit cards expire?

Your replacement card

Related reading:

Pay Off Debt

Emergency Fund

Earning return

Certificate of Deposit (CD)

Savings/Money Market Accounts

Qualified accounts

Non-Qualified Accounts

Health Savings Account (HSA)

Asset allocation

Risk Tolerance

1. Spruce Up Your Vehicle

2. Know the Value to Get The Most Money For Your Used Car

3. Understand the Pros and Cons of Each Approach

4. Gather Your Records

5. Be Ready to Negotiate

Why is understanding your paycheck sub so important?

Why are those things important?

Related reading: