3 Ways to Invest in Real Estate

3 Ways to Invest in Real Estate

Last week I posted about homeownership and I am continuing the real estate theme, but this time with a different twist. My husband and I went to go look at a condo this weekend. Not for us (as many of you may already know we own a home), but for a close family member who is looking to move closer to the rest of the family. We looked at 2 places: one that was fully renovated and move in ready…

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Tips for the First Time Homebuyer

Tips for the First Time Homebuyer

With interest rates on the rise many of you may be wondering, “Should I take the leap from renting and purchase a house?” Owning a home certainly has its pros and cons. My husband and I have owned our home for just under 4 years now and we have certainly had our ups and downs with homeownership. Being a first time homebuyer can be overwhelming, so I figured I would share some advice with those going through the process. Before…

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How to Have a Debt Free Wedding

How to Have a Debt Free Wedding

Marriage is a hot topic for millennials. We all know someone who is getting married, whether it be yourself, a family member, a good friend, a coworker, we all know someone going through the process. If you’re like me, you may be wondering how in the world everyone can afford to even have a wedding. A wedding is essentially an elaborate party, but obviously when you’re the one getting married, it’s the best celebration of your entire life. Naturally, this…

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Is It Okay To Splurge?

Is It Okay To Splurge?

There is a common misconception that that being frugal means being cheap. This is not necessarily the case. Per Merriam-Webster, frugal is “characterized by or reflecting economy in the use of resources.” In other words, frugality is using your money efficiently or, simply put, making smart decisions with your money. I am here to tell you that being smart with your money does not mean you can never spend your money or splurge. It just requires you to put some…

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An Update On My Mutual Conversion Investment

An Update On My Mutual Conversion Investment

Winner, Winner, Chicken Dinner That phrase has multiple meanings depending on where you look, so I will cut to the chase. I wanted to wait until we finally sold our shares in our first mutual conversion before I posted an update. As of May 1, 2017, we officially sold our shares in Putnam County Savings Bank (PCSB), a small community bank located in Westchester County, New York, for $16.28. With a cost basis of $10 per share, that’s a gain…

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Lessen the Burden of Your Student Loans

Lessen the Burden of Your Student Loans

This post contains affiliate links. Debt can be debilitating. What’s worse is that most people graduating college today will come out with some form of debt. Of course there are exceptions to the norm, and those of you that graduated college without student loans you should consider yourself extremely lucky! My sister-in-law is graduating in a few weeks and will be attending graduate school, so it got me thinking about student loan debt. After doing some research, I was astonished to…

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How to Save (and Make) Money While Traveling

How to Save (and Make) Money While Traveling

The first step to dealing with a problem is admitting you have one. I’m obsessed with traveling. I cannot get enough of it. I have this constant desire to visit new places, see new things, try new foods. I’m sure I’m not alone. Aside from getting enough vacation time at work, the issue with traveling is that I don’t have an endless supply of money to pay for all the traveling I want to do. That is why I’ve compiled…

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10 Apps to Help You Save Money

10 Apps to Help You Save Money

Smartphones have officially taken over the world. It is very rare that people go anywhere without their phones. They’re used for everything from taking pictures to posting on social media to texting to banking. Did you know you can also use your phone to save yourself money? I mean if you’re going to have it with you at all times, you might as well be gaining something from it. I’ve rounded up 10 great apps that will save you money,…

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4 Investing Tips For Beginners

4 Investing Tips For Beginners

For many people, especially millennials, investing is a scary word. Millennials watched their parents, friends and relatives struggle through the most recent financial crisis of 2008-2009, where investment values were nearly cut in half. Many individuals lost their jobs and a significant portion of their retirement savings as stocks, bonds, mutual funds and 401K values all declined. With the crisis now well behind us, the market has rallied from those lows and hit all-time highs, which for some resulted in…

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Guest Post: How to Beat Passive Dividend Investing

Guest Post: How to Beat Passive Dividend Investing

Today’s guest post is by a fellow blogger friend of mine, Troy @ MarketHistory.org. Troy’s blog discusses his thoughts on investing, the stock market, and controversial personal finance issues. He runs a privately held investment firm, so he’s got some great insight! It is true that dividend investing beats index investing (i.e. tying yourself to a benchmark like the S&P 500) in the long term. From 1927 to the present, dividend stocks in the S&P 500 outperformed non-dividend paying stocks by…

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