The Hidden Costs of Personal Loans That No One Talks About
In the world of finance, the personal loan is advertised as the perfect "get out of jail free" card. Got...
Ronald Lima
The Truth About Loan Deferment and Forbearance
Life is unpredictable. A sudden job loss, a major medical emergency, or a global pandemic can instantly turn your stable...
How Inflation Affects Loan Interest Rates
If you've tried to get a loan in the last few years, you've probably felt the "sticker shock." You go...
What is a Signature Loan and Who Should Use It?
We’ve all been there. A sudden, massive car repair bill. A leaky roof that just became a crisis. Or a...
Learn how to refinance a personal loan
Taking out a personal loan can be a smart financial move. It can help you consolidate high-interest debt, finance a...
What is the Risk Parity Strategy (and is it worth using)
For decades, the "60/40" portfolio—60% in stocks, 40% in bonds—was the gold standard of investing. It was simple, effective, and...
What is collateral and how does it define the terms of your loan?
If you've ever applied for a loan, you've probably noticed a huge difference in what you're offered. On one hand,...
What is the best age to start investing?
It’s one of the most common questions in all of personal finance. We ask it in high school, in college,...
How much of my salary should I invest each month?
It’s one of the first and most important questions in anyone's financial life: "How much of my paycheck should I...
How to Build a “Lazy” Portfolio That Beats Active Investors
In the world of investing, we’re fed a very specific image of success. It’s the fast-talking Wall Street trader, eyes...
How Your Investment Strategy Should Change in Your 20s, 30s, and 40s
Investing is not a "one size fits all" journey. The financial advice a 25-year-old should follow would be dangerously reckless...
How to create financial discipline even without motivation
It’s January 1st. You’ve downloaded a new budgeting app, written down your financial goals, and you are motivated. This is...
