December 2018

How Much Do Nurses Really Earn?

Nurses are the backbone of the healthcare industry; the ones who the patients see the most and connect with the best. But with the cost of schooling and the time it takes to finish your education, you may wonder how much nurses can hope to make. In general, nurses receive a higher hourly rate than the average; around $11 more. The average beginning salary is about $53,000, almost double the average entry-level salary. And it doesn’t stop there; there are numerous factors that will affect your salary and help to boost it. Certifications and Education: Additional certifications come with pay raises, as the nurse has now become a specialist in a particular field. For example, if you were to receive … Read more

How to Evaluate the Rate of Return on Rental Property

by Hank Coleman

Being a landlord is a great way to build your wealth and increase your net worth. In fact, Money magazine listed becoming a landlord as one of its highest-rated ways for the average American citizen to become a millionaire. But, how do you calculate a return on rental property? Even after the housing bubble and credit crisis that hit the United States in 2008, real estate is a great way to increase your wealth, save for retirement, and supplement your income with a new stream. So, how do you go about evaluating if rental real estate is right for you? There are a few things that you need to consider when evaluating your options on the return on rental property … Read more

Debt Advice that Will Safekeep You from Bankruptcy

by Guest Contributor

People who land in financial crises file for bankruptcy. But debt management can help you avoid this extreme continuum. Yes, following a debt management plan is no piece of cake but its far better than the alternative. Following, we are giving you a few points that explain why a debt management plan is a far better alternative than bankruptcy. Debt Advice to Keep You from Bankruptcy Debt Management Debt Management is more of a debt repayment plan that helps you manage your debt better. You have to be effective at paying your debt. These plans discipline you with a better decision-making process. The first step towards debt repayment is stop overspending on things you don’t need. If you don’t know … Read more

Timely Return of a Loan Makes It Easier to Borrow a Second Time: 5 Advantages of Short-Term Loans

by Guest Contributor

Which is better: a short-term loan or a long-term loan? In many situations, a short-term loan is going to be a much better option for you. These loans are easier to obtain, you can get the money faster, and they offer a variety of other benefits you’ll want to be aware of. Consider the following benefits when deciding whether a short-term loan is the right option for you. Easier to Obtain Conventional loans are notoriously difficult to obtain. Applicants need to have an excellent credit score and need to show they have the ability to repay the loan over a period of many years. Short-term loans, however, are far easier to obtain. According to carbonite.com, these loans have more relaxed … Read more

Payitoff.io Review–The App that Motivates You to Pay Off Debt

by Hank Coleman

You’ve probably already heard all the shocking facts and statistics about student loans nowadays. There’s a $37,000+ average debt load per graduate, hundreds of thousands of graduates in default on their repayments, family members struggling to help students repay their loans, student loans forcing people to forgo homeownership and even starting families. Enough is enough. Instead of getting too caught up in the bad news, let’s start focusing on some realistic solutions. That’s what Payitoff.io wants to do. Their goals is to help college graduates and their families make the savviest financial decisions regarding their student loan repayments. Even if you made mistakes on your FAFSA, borrowed more than you needed, or can’t keep up with your current payments, Payitoff.io … Read more

How a Merchant Cash Advance is Different from a Traditional Loan

by Guest Contributor

Despite the popularity of revenue advance loans or merchant cash advance, there still remains a lot of confusion regarding how cash advance is different from traditional loans. After all, the financing realm is already complex enough. Understanding the difference is essential for businesses that are either seeking a traditional business loan or want a quick and reliable source of money for their business. Traditional business loans can take several months to process whereas a revenue advance loan can provide you with capital in a relatively shorter time. There is also the difference in how the two loan solutions are repaid. A merchant cash advance can offer more flexible terms and repayment options than a traditional business loan. Let’s take a … Read more