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The Powerful Benefits of a Good Credit Score

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There are a few finance tips that matter much more than others when it comes to helping you live a stress-free life. Starting to invest in index funds early, using the right credit card, and attaining a good credit score are three of those tips. Today, we’re focusing on the benefits of attaining a good credit score.

People with strong credit ratings get access to better financial opportunities throughout their lifetime. For example, they can access low-interest loans and high-rewards credit cards more easily. These perks have the ability to save thousands of dollars (if not more) over your lifetime.

In general, a good credit score comes in handy whenever you are looking to borrow money. And borrowing money is not always a bad idea. Actually, in some cases, it can be a very good idea.

Though, you should always use borrowed money carefully. Borrowing for short-term wants is usually unwise, while borrowing for a mortgage or car loan is typically necessary.

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Investing in Art for Beginners: Affordable Art Investing on Masterworks

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Technology is changing the game yet again. This time, making investing in art possible for beginners, not just for the experienced and wealthy.

For many, investing in art is something that has probably not crossed their mind. Most people can’t afford a $1 million dollar home, let alone a $1 million piece of art.

And no, that is not a knock against “most people,” its more an admittance that art investing was just not practical. That is, until Masterworks came along.

Masterworks operates a lot like index investing (which many of you know we are quite fond of on this site!). Let me explain quickly:

Buying a share of Amazon (which was $1,700+ at the time of writing this) is just not possible for a lot of people. It’s too expensive. Let alone having to buy that share, and then also diversify your portfolio by buying many other shares various companies in various industries.

Index investing lets you get started by buying smaller pieces of a bunch of companies in one purchase. Boom! You’re instantly diversified.

With art, many people can’t afford to buy one painting – if you thought one share of Amazon stock was expensive, you should check out some of these artwork prices! But Masterworks allows you to buy shares of artwork for as little as $20 (with a $1,000 minimum investment). This simply was not possible before.

So you can now diversify your portfolio and start investing in art, even if you’re beginners without millions of dollars!

This is a sponsored post written in partnership with Masterworks.

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Debt in The United States

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Let’s face it, debt in the United States is a problem. From our national debt, student loan debt, and consumer debt – debt in the United States is an issue at all levels. Why is that?

I’m a firm believer that it starts with the lack of education on the topic. Only 17 states require high school students to take a course in personal finance. But even those states that teach financial literacy, debt is still a problem.

Maybe it’s the YOLO or “living my best life” mentality that leads to our obsession with overspending. Perhaps it’s the instant gratification we seek, like when we hit the “like” button on social media every day. Or the fact that we let 17 and 18-year-olds make their biggest financial decision (college) with little guidance on the impact of taking on student loan debt.

Or maybe it’s the lead by example trap that has gotten debt in the United States out of control. We are just merely following the herd. Heck, our government is $22 trillion in the red!

Whatever the reason is, we need to take back control of the debt in the United States. The sooner we can start, the better. Let’s dig in on some of the debt categories and why we’ve fallen off the debt wagon.

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Is The Apple Card Worth It?

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The Apple Card came out back in August of this year, and ever since then, I’ve been wondering to myself, “is it worth it?”

Apple is one of the most innovative companies in the world. Obviously, the bar was set pretty high.

From music to cell phones to computers, there is no shortage of industries that Apple has been able to disrupt. So are credit cards the next horizon for Apple to enter, innovate in, and totally change the game?

The short answer: no.

Unfortunately, it seems like the Apple Card came up short in a lot of categories and as a result, is not worth it. We’ve got the details below.

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7 Clever Side Hustles to Make Money Online

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If you’ve spent any time at all on the internet, I’m sure you’ve seen a hundred articles about side hustles to make money online like:

  • 5,265 Easy Side Hustles to Make Money Online; or
  • 9 Creative Ways to Make $5,000 in 3 Days; or
  • How I Became a Blogging Millionaire Overnight in my Pajamas; or
  • Reach FIRE in 5 years with this side hustle

Well, let me stop you right there.

This is not that article. I am not selling you a blogging course, or promising you will retire early by taking online surveys.

What you will get are some legitimate, solid ideas that you can use as a starting point to craft the perfect side hustles to make money online strategy for you and your family – whether you’re looking for ways to make $500 a month or $5,000 if you’re willing to put the work in.

Making money online is a very personal topic for me, and one I spent a lot of time trying to figure out a few years ago.

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