Hi, I’m Romario Nicholas. I’m an immigrant from Jamaica. A first generation 2x college graduate (BS, MHRM). And now I am student loan debt free. In this article, I hope to serve as a source of strength and encouragement to those who are from similar backgrounds and who are going through their own student loan… Read More
The Differences Between Chapter 7 Bankruptcy And Chapter 13 Bankruptcy (Guest Post by Ben Tejes of Ascend Finance)
The Differences Between Chapter 7 Bankruptcy And Chapter 13 Bankruptcy Many people seek the legal debt relief option of bankruptcy each year. Anyone may need to file bankruptcy including Dave Ramsey, the personal finance guru. One question I get all the time is, “Which is better, Chapter 7 or Chapter 13?”. While I would… Read More
Income Sharing Agreements: A Different Way to Pay for College (as reported by Robert Farrington on forbes.com)
With college tuition and costs rising, students need a solution to pay – now more than ever. Luckily, a new kind of payment method is growing in popularity. It’s called an “income sharing agreement,” or ISA. Unlike traditional payment plans, an ISA doesn’t require students to take out loans. Instead, the program covers the student’s… Read More
Bankruptcy debt discharge – Which debts are out of the line (Guest Post by Lyle Solomon of Oak View Law Group)
Filing for bankruptcy may help you get out of debt and give you a second chance to reset your finances. When discussing consumer bankruptcies, Chapter 7 or Chapter 13 bankruptcy can help you discharge multiple types of debt. But, practically, you can’t shed all debts from your shoulders. Once you’ve discharged your debts, the creditor… Read More
Lessons from a Year of Lockdown: What to Keep In 2021 (Guest Post by Jessica Larson of SolopreneurJournal.com)
With more vaccinations being given and more states opening up, it might be tempting to act as though the pandemic never happened by reverting to the “old normal.” But that would mean ignoring the many lessons we’ve learned — lessons that can apply to a post-pandemic world as easily as they have during the COVID… Read More
As American Reopens, Will Overspending Be A Problem? (As Reported By Paulette Perhach of Vox.com)
As vaccination numbers rise and new COVID 19 case rates drop, Americans slowly return to “post-pandemic” life. While we might not be over the hump, a finish line appears to roughly be in sight. And with renewed faith in public living, we also see a resurgence in the economy as a whole. It makes sense…. Read More
Four Ways Technology Is Changing How We Buy Homes (Guest Post By Nate Welling of CableCompare.com)
Searching for a new home can be a daunting endeavor- especially for first-time homebuyers. Each step of the way can at times seem complex, confusing, and endless. Luckily, the advent of new technologies is altering the home search process from beginning to end. While the final result of a home search journey is grounded in… Read More
5 Tips to Help You Set Up Your Small Business Budget- And Stick With It (Guest Post by Gabriel M of BroadbandSearch.net)
For first time small business owners, setting up the ongoing business budget should be the spine of your strategic business plan. But starting from scratch without recourse to funding can seem daunting, if not impossible. So how should you go about determining how much you can-and should spend? And where should you focus the bulk… Read More
6 Tips for Running a Business While Pursuing a Degree (Guest Post by SMBCompass.com)
Operating a business and ensuring that its profitability metrics are improving each quarter is already a big undertaking. If you’re also juggling academics at the same time, it brings the challenge to a whole new level. But challenging certainly does not mean impossible, and many notable founders who have built successful businesses did so… Read More
Preventing Bad Spending Habits After Graduation (Featuring Romario Nicholas)
It can be easy to fall into the pitfalls of bad spending habits. This point holds especially true in the case of college graduation. For most of us, this time is filled with tons of excitement and wonder. “Now that I’ve got my degree, the money will just start pouring in.” While there’s a chance… Read More