SAT / ACT Prep Online Guides and Tips

Return on Assets: What It Is and How to Use It

Posted by Christine Sarikas | May 17, 2019 6:00:00 PM

General Education, Personal Finance

The business world is full of acronyms, and keeping them all straight can be tough. What is Return on Assets, also known as ROA? Read on to learn exactly what ROA is, how you can use the ROA formula to calculate it, how ROA relates to similar financial ratios, and, most importantly, what you can learn about the success and future of a company from its ROA.

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What Is Subrogation? Should You Waive It?

Posted by Laura Staffaroni | Aug 13, 2017 5:37:00 PM

Personal Finance

Signing up for car insurance and not sure if it's worth it to pay a premium to waive subrogation? Or maybe you've been in an accident and the other person has offered to settle with you if you sign a waiver of subrogation—should you do it? What is subrogation, really?

Before you decide, you'll need to understand what subrogation is and why you would (or wouldn't) want to waive it. In this guide, we define subrogation and explain when and why it occurs to help you make an informed decision.

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What Is CBNA on My Credit Report? CBNA Definition Explained

Posted by Hayley Milliman | Aug 12, 2017 5:43:00 PM

Personal Finance

Have you recently had the name "CBNA" appear on your credit report and are unsure what it means? If so, you’re not alone. Many consumers have had hard pulls on their credit report from CBNA, which most commonly refers to Citibank North America, but can also refer to the Credit Bureau of North America, Community Bank, N.A., or Comenity Bank.

In this article, I’ll talk about what seeing CBNA on your credit card means, what each of the companies associated with the acronym CBNA are, and what you should do if you find something unexpected on your credit card.

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The Best Currency Exchange Methods for Every Situation

Posted by Hayley Milliman | Aug 12, 2017 2:55:00 PM

Personal Finance

If you’re planning a trip to another country, you’ve probably spent a lot of time thinking about the airline you’ll fly, the hotel or AirBnB you’ll stay in, the food you’ll eat, and the fun new things you’ll get to experience. You might not, on the other hand, have thought too much about how you’ll get money on your trip.

Despite the fact that currency conversion is a decidedly less interesting travel topic than the best place to go zip-lining, it’s important to understand the costs associated with changing money. Currency exchange requires some time and effort, so it’s necessary to plan ahead or you risk getting stuck with heavy fees.

In this article, I’ll cover the basics of how currency exchange works and what you should consider when deciding where and how to change money.

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The 4 Best Free VIN Check Sites

Posted by Hayley Milliman | Jun 24, 2017 6:46:00 PM

Personal Finance

Imagine this: You’ve been saving up to buy a new car for months. You finally find the perfect vehicle and drive it home, only to get a call a few days later.

The car was stolen, and you now need to deal with a police investigation.

Obviously, this scenario is extreme, but it’s not unheard of for consumers to have issues purchasing new or used cars. One way to cut down on potential problems when purchasing a car is to run a VIN report to check out the vehicle’s history before you buy it.

In this article, I’ll explain what a VIN number is, why it’s important, and how to run a free VIN check through the National Insurance Crime Bureau. I’ll also review other options for free VIN reports and discuss whether or not you should pay money for a more detailed VIN report when purchasing a car.

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Can the 365 Day Penny Challenge Help You Save Money?

Posted by Hayley Milliman | Jun 24, 2017 3:31:00 PM

Personal Finance

Saving money can be really hard. It’s also really important.

If you don't, it can be impossible to reach your financial goals, whether purchasing a house or paying for your child’s college education. Saved money also helps pay for sudden, unexpected expenses, like a car repair or an surprise doctor’s bill. However, if you’re stuck in the trap of living paycheck to paycheck, saving money may seem totally out of the question.

That’s where the penny challenge comes in! Designed to help you save nearly $700 in one year, the penny challenge makes saving money manageable and fun by breaking your goal into tiny daily payments.

In this article, I’ll talk about how the penny challenge works, whether or not it’s a good way to save money, and offer tips to help you succeed if you try it.

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Is the Banana Republic Credit Card Right For You? Full Review

Posted by Jess Hendel | Jun 23, 2017 7:00:00 PM

Personal Finance

The Banana Republic credit card is a solid option for frequent shoppers looking to earn points, but like many store brand cards, it’s not without it’s pitfalls. You may be wondering: what are the pros and cons of the Banana Republic credit card? Do I have to be a frequent shopper at Banana Republic to reap any benefits? What do users say about this card, and how does it stack up against similar cards? Is this card right for me?

In this post, we’ll answer all these questions and more, doing an in-depth review of the Banana Republic credit card so you can make a fully informed decision about whether or not to apply.

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How to Become a Flight Attendant: 13 Expert Tips

Posted by Hayley Milliman | Jun 23, 2017 4:44:00 PM

Personal Finance

Do you dream of traveling for work, touching down in a new city every day and experiencing different cultures regularly? Do you love helping people, and live for customer interactions (even the not-so-pleasant ones)?

If so, you might want to consider a career as a flight attendant.

Despite their glamorous TV and movie reputation, flight attendant jobs are difficult. They’re also competitive to get. In this article, I’ll break down how to become a flight attendant by first deciding if a job as a flight attendant is right for you and, if so, how to apply for flight attendant jobs. Becoming a flight attendant is an exciting, unique career path that has the potential to transform your life.

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Where (and How) to Get a Cashier’s Check: 8 Simple Steps

Posted by Hayley Milliman | May 26, 2017 5:52:00 PM

Personal Finance

Making a large purchase, such as buying a car or putting a down payment on a house?

If so, you may be asked to use a cashier’s check to make your payment. A cashier’s check is a guaranteed way to pay for something and is often requested during large transactions to ensure that you actually have the money you need for your purchase.

But what actually is a cashier’s check? Why do you need it? And, if you need one, where can you get one?

In this article, I’ll explain exactly where to get a cashier's check and how to get a cashier’s check. I’ll give you options for where to get a cashier’s check and walk you through other options you can use to pay for your purchases if you don’t wish to use a cashier’s check.

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9 Tips for Answering "Why Do You Want to Work for Us?"

Posted by Hayley Milliman | May 26, 2017 4:13:00 PM

Personal Finance

You’ve arrived at an interview for the job of your dreams. Your resume is polished, your interview clothes are nicely pressed. You’re sitting across from the interviewer, who smiles, takes a breath, and asks you one of the most common job interview questions in the world:

"Why do you want to work for us?"

What do you say?

I’ve gone to many different job interviews over the years and I’ve sat on the other side of the table as an interviewer. The questions I’ve encountered have ranged from practical ("When can you start work?") to expected ("Why do you think you’re right for this job?") to downright fun ("What Star Wars character do you most identify with?"). But I’ve encountered some version of "Why do you want to work this company?" in every single interview.

It can be a daunting question. As an applicant, you might wonder why a company is asking this question or what kind of answer interviewers are looking for. In this article, I’ll breakdown why companies ask you this question, what constitutes a strong answer to this question (spoiler alert: what makes a strong answer changes with every interview), and talk about how to get ready for this question and others in your interview prep.

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Make Money Online: Where to Find Legitimate Work From Home Jobs

Posted by Rebecca Safier | Oct 31, 2016 4:28:00 PM

Personal Finance

Do you dream of cutting out your daily commute and getting away from the office? Would you love the freedom to work from home or anywhere with an internet connection?

Thanks to advances in technology, more and more people are working remotely every year. Employees can enjoy greater flexibility and freedom, and employers can discover talent all across the country and globe.

This guide will tell you everything you need to know about working from home, including what skills you need and where to find legitimate work from home jobs. First, what kind of telecommuting jobs are available?

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Best Unsecured Credit Cards for People With Bad Credit

Posted by Rebecca Safier | Oct 28, 2016 6:25:00 PM

Personal Finance

Having a poor credit score can feel like you’re caught in a catch-22. You need a credit card to improve your score, but it’s hard to get a credit card without a good score.

Luckily, there are credits cards available for people with poor credit. Once you get one of these cards, you can use it to build your credit score over time.

This guide will give you recommendations for the best credit cards for people with bad credit, along with some tips on how to apply. Click here to go straight to the credit card recommendations, or first, read on to learn what makes a bad credit score and why it matters.

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How and Where to Sell Your Clothes for Cash: Complete Guide

Posted by Rebecca Safier | Oct 24, 2016 3:46:00 PM

Personal Finance

Are you looking for ways to make some extra money? One of your best assets for fast cash could be sitting in your closet. Rather than letting your old clothes collect dust, try selling them online or at a local secondhand store.

This comprehensive guide has all of the places to sell clothes for cash online or in person. First, consider these general principles of selling your clothing and accessories secondhand.

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Traditional Vs. Roth IRA: Your Ultimate IRA Guide

Posted by Rebecca Safier | Oct 19, 2016 5:09:00 PM

Personal Finance

IRAs, or independent retirement accounts, are tax-advantaged savings accounts that help you save money for retirement. There are two main types, traditional IRAs and Roth IRAs, and they work in slightly different ways.

This guide will tell you everything you need to know about traditional and Roth IRAs and help you decide which type of account is better for you. Before delving into the differences, let’s go over what you need to know about independent retirement accounts in general.

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The ABCs of APR: Everything You Need to Know

Posted by Rebecca Safier | Oct 16, 2016 5:26:00 PM

Personal Finance

When you look at a loan or credit card offer, you’ll see the term “APR,” or annual percentage rate, popping up all over the place. What is APR, exactly, and why is it important when taking out a loan or choosing a credit card?

This guide will tell you everything you need to know about annual percentage rate and how you can use it to understand the annual costs of a loan or credit line. To start, let’s establish a working definition of APR.

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