3 Fast and Foolproof Ways to Pay Off Student Debt

Should You Take Out Private Student Loans for College?

In 2017, around 20.4 million students were expected to attend American colleges and universities. According to The National Center of Education Statistics, this is an increase of 5.1 million since the year 2000, and the numbers are expected to increase steadily in the future. The average annual fees for an undergraduate degree, including board, room, tuition and other fees would come to $16,737 for public schools, $43,065 at private nonprofit schools, and $23,776 at private for-profit schools.  With this enrollment momentum likely to continue, it’s important for students to have a good idea of how they are going to pay off their student loans in order to avoid debt that will be harder to overcome the longer that interest is … Read more

4 Obstacles to Effective Retail Execution

Shopping At Outlet Malls

It is pretty much common knowledge amongst consumer-packaged goods companies that profitable retail execution needs a well-planned strategy that is effectively implemented. But only a tiny 19% of brands and wholesalers are satisfied with their ability to merchandise effectively in retail outlets. The problem arises when that strategy doesn’t always work as intended. This article identifies four of the most common obstacles companies face in the struggle to achieve their goals and suggests how to overcome them. 1. A low uptake by retailers in complying with your promotions One of the best ways to boost your products in retail outlets is to run promotional campaigns. But a staggering 90% of B2B companies say their promotions aren’t executed to plan, even … Read more

How to Plan for and Minimize Funeral Costs

How to Plan for and Minimize Funeral Costs

Despite the fact that death is something everyone on earth ultimately faces, the topic is still taboo in many cultures. As a result, many individuals fail to commit to the essential tasks surrounding end-of-life planning and funeral costs. This leaves grieving families vulnerable to the whims of predatory funeral homes and puts your estate at risk. How to Plan for and Minimize Funeral Costs To mitigate these risks, advance end-of-life and funeral planning can protect your family and your assets. Here are some ways you can start the process of understanding funeral costs now. Funeral Insurance As you reach your golden years, consider getting funeral insurance. Like life insurance, funeral insurance can be used to cover burial and ceremony costs … Read more

4 Foolproof Tips for Families to Save on Their Taxes

How to Save on Taxes

No one likes owing the government at tax time, especially if you’re raising a family. Every dollar counts when it comes to giving your kids the most advantages and experiences you can provide. Unfortunately, federal, local, and state governments take a chunk of your income each payday, but that doesn’t mean you can’t minimize your tax burden. Using these foolproof tips, you can save on taxes and have more money for the people you love. Buy an Electric Car It seems counterintuitive to make a five-figure purchase to save money, but when you buy an electric car, you’re cutting your tax bill dramatically and could end up putting cash in your pocket. The Qualified Plug-In Electric Drive Motor Vehicle Credit, … Read more

How to Save for Retirement on a Limited Budget

Your 401k retirement plan is not an emergency fund

The following is a guest post by Ramona, a freelance web designer and personal finance blogger with PF Today. If you’d like more information about submitting a guest post on Money Q&A, check out our Guest Posting Guidelines. Retirement was easy decades ago. At least that’s what my grandmother used to tell me: You worked until you were 55, then retired. The state would pay a pension that was enough to live off. And you were also paid that pension for as long as you were alive. Guaranteed. Times have changed now. We can’t work for 30 years (like they did), then retire and live 30 more years on a state pension plan. The state cannot support all the retirees today, … Read more

How Do Paid Online Surveys Work?

Make Money With Paid Online Surveys

In the internet age, more and more people are flocking to the web to make extra income. One of the most talked about ways to make some extra cash online is by completing online surveys. While it might not be a way to replace your job, the best paid online surveys offer enough money to start building a savings account or fund some fun activities. People are often hesitant to try online surveys because they think they are all scams. After all, that money has to come from somewhere, doesn’t it? We fear what we don’t understand, so knowing how online surveys work should combat some hesitation. Where Does the Money Come From? Surveys are a form of market research … Read more