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Personal Finance

The Decline of the U.S. Has Already Begun

Richard Lachmann’s book manages to connect status and national choices — making us realize that some failures aren’t far from home. All good things come to an end — including the global dominance of the United States. In First-Class Passengers on a Sinking Ship: Elite Politics and the Decline of …

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23 Holiday Items You Should Buy at Dollar Stores

Alliance Images / Shutterstock.com The holidays can be a budget-buster. And for millions of people, that can spell trouble, especially in a down economy. One way you can save is to head to the dollar store. You might be surprised at the items you can find at the dollar store …

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The Difference Between 10-Year vs. 20-Year Student Loans

The options available for student borrowers and for student loan consolidation can seem almost endless. There are public student loans and private student loans, and they come in an enormous variety of lengths, interest rate, and monthly payments — it seems like deciding which student loan is the best for …

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US Bank Personal Loans Review

It’s hard to ignore the impressively low APR rates from US Bank on personal loans. You will need to be a member of the bank, though, in order to apply. APR Range 5.49%–16.99% Loan Amount $ 1K–$ 25K Term 12–60 months SimpleScore 3.6 / 5.0 SimpleScore US Bank 3.6 Loan …

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First Mortgage Direct Mortgage Review

First Mortgage Direct is the Kansas City, Missouri, based mortgage lending division of First Mortgage Solutions. First Mortgage direct was founded by CEO Ryan Wiebe in 2009. This lender is licensed in 17 states, offering purchase, refinance, home equity and debt consolidation loans for qualified borrowers. According to this lender, …

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Top 3 Phone Carriers for Unlimited Data on Santa’s Nice List

Photo by Roman Samborskyi / Shutterstock.com We all know that Santa uses magic to deliver toys to all the good girls and boys, but the jolly man in red isn’t above using modern technology to get the job done. In order to stay in constant contact with his North Pole …

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You’re Probably Cooking This Food the Wrong Way

Photo by SunCity / Shutterstock.com If you eat rice, you likely are ingesting arsenic, a known carcinogen that impacts virtually every organ in the body. Arsenic exposure has been linked to: Bladder, lung and skin cancer Diabetes Heart disease Lung diseases Skin lesions In utero impacts on a baby’s immune …

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8 Ways to Land Free Shipping for Online Purchases

Photo by George Sheldon / Shutterstock.com Every year, consumers do more of their shopping online. And it’s no wonder. Shopping sites like Amazon.com make it easy to find the best prices in minutes, and cash-back sites like Rakuten enable you to get cash back on most purchases you make. However, …

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11 Gifts Under $25 to Make the Holidays More Affordable

Yuganov Konstantin / Shutterstock.com Who doesn’t want to save on holiday gifts? It’s hard to shell out hundreds, or even thousands, of dollars in a single month. And it’s not just the gifts. Consider what you spend on decorations, travel expenses, food, drinks and maybe even a new Christmas outfit. …

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