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Borrowing to Invest Is Risky Business 10/05/2017 08:00pm • Historically low interest rates on personal borrowing over the past decade can allow people with good credit to capitalize on other opportunities to build their net worth, including levering to invest in real estate, businesses and even stocks. For example, if you use a home equity loan at 4 percent 4 Common Misconceptions Stopping Millennials from Owning a Home 10/05/2017 08:00pm • The vast majority of millennials think owning a home is an important part of the American Dream, on par with Americans of every age. Millennials, however, are facing some of the strongest headwinds ever. Home prices are climbing well above the rate of income growth and millennials more than any old 5 secrets of super savers living on a single income 10/04/2017 08:00pm • With many dual-income American couples living paycheck to paycheck, single-income families may feel even more pinched, especially since they don't have the security of another income if one partner loses their job. However, as these families prove, it's not how much you earn, but rather how m 7 Insider Tips to Make Open Enrollment Work for You 10/04/2017 08:00pm • It's that time of year when employees across the country have the opportunity to change their workplace benefits during the open enrollment period. Companies will hold meetings, pass out booklets and launch apps to help workers understand their options, and experts say it's more important than ever Getting Financial Advice When You Have Less Than $100,000 to Invest 10/04/2017 08:00pm • Index funds and low-cost brokerages have made do-it-yourself investing easier than ever, but finding a financial advisor remains daunting, especially for young middle-class families with little money to invest. Many advisors only accept clients with investable assets of $100,000 to a half million, Tackle the Public Service Loan Forgiveness Form 10/03/2017 08:00pm • Public Service Loan Forgiveness comes up a lot on the Student Loan Ranger blog -- but it's necessary. This is an important program that borrowers ask us about on a daily basis. Based on these questions and the data we've seen, more work is critical to ensure that all eligible borrowers are aware of 4 overseas retirement spots that use the US dollar 10/03/2017 08:00pm • Retirement overseas typically comes with the challenge and expense of converting your money. And currencies can be fickle. Exchange rates might swing wildly following world events. It can be difficult to pay your bills when your retirement savings is in U.S. dollars, but it has a different value eac Margin Investing Is Risky 10/03/2017 08:00pm • Cash-strapped investors with significant assets have two ways to generate money for spending or new investment: sell some of what they own, or borrow against it using a margin account. Selling is simpler and less risky, but means unloading assets that might grow in value. A margin loan can be an in 4 Myths About Athletic Scholarships 10/03/2017 08:00pm • Bruce Mesa Sr. knew a football scholarship could be a possibility when recruiters started visiting to see his son play as a junior at Catholic Memorial High School in Waukesha, Wisconsin. An offensive lineman, Bruce Mesa Jr. was one of the few in the school's history to play all four years on the v 7 Tips to Close Your Mortgage Faster 10/03/2017 08:00pm • When you're looking to buy the perfect home in a hot real estate market, timing is everything. You certainly don't want to lose out on a home because you can't get to the closing table quickly enough for the seller. Unfortunately, some things are out of your control. Especially when it comes to you Is Your Lender Judging You? 10/02/2017 08:00pm • Whether you realize it or not, asking for a loan can be a little like asking someone out on a date. The moment a person is asked on a date, he or she obviously sizes up their prospective partner. Few people would say, "Yes, let's go on a date," if they didn't think there was something positive about The Fate of Public Service Loan Forgiveness 10/02/2017 08:00pm • With more than $300,000 in student debt from both college and medical school, anesthesiologist Dr. Jesse Kiefer is banking on the federal Public Service Loan Forgiveness program to discharge his debt after 10 years of payments. Kiefer is less than a quarter of the way through the process, which invo 11 Most Common Credit Score Mistakes 10/02/2017 08:00pm • You use your credit card regularly, pay the bill every month and avoid taking on too much debt. Your credit score must be in great shape, right? Maybe not. Even the most well-intentioned credit users can end up harming their credit by making simple mistakes. And having good credit is important, eve Weigh the Pros, Cons of Part-Time Law School 10/01/2017 08:00pm • Life is full of demands -- from family to career to other obligations or interests. Prospective law students may wonder how they can balance these responsibilities and attend law school full time. Fortunately, many law schools offer part-time programs. As you consider whether to pursue a law degree TIPS Are a Hedge Against Inflation 10/01/2017 08:00pm • Inflation hasn't been much of an issue in recent years, but investors of a certain age will never forget how prices skyrocketed in the late '70s and early '80s. Fortunately, investors worried about future inflation have various ways to offset the risk, like owning Treasury inflation-protected securi