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5 Reasons to Avoid Penny Stocks at All Costs 03/28/2016 08:00pm • Listen, there's nothing wrong with saving a little scratch. Ben Franklin's famous adage, "a penny saved is a penny earned," still rings true today, and if you can manage to invest those earnings -- well, you've just compounded a wise decision upon a wise decision. Of course, there are endless pitfal 6 Ways to Spring Clean Your Financial Goals 03/24/2016 08:00pm • Spring is here, and there's no better time for a fresh start. This isn't just the time to break out the shorts, flips-flops and start the spring cleaning, it's time to get your finances back in shape. If things like getting out of debt, saving up to buy your first home and paying off student loans a How to Cultivate a Mindset of Frugality 03/24/2016 08:00pm • My job leaves me living in a hotel a lot of the time. As I ignored my own packet of makeup removing wipes and used the complimentary one at the hotel last night, I realized that I probably save about $6 a year stretching my own makeup wipes by using the free ones when I'm staying at hotels that have 9 income tax deductions you’re likely to miss 03/24/2016 09:06am • WASHINGTON -- Some tax deductions are easy to remember, like your mortgage interest or education expenses. After all, you receive a statement with your mortgage interest paid for the year and parents with children at private universities will certainly remember writing a $20,000 tuition check. Ho Simplified Principles to Achieve Financial Freedom 03/22/2016 08:00pm • Financial independence is having the means to spend your time and energy how you want, on your terms. To that end, we define financial freedom as the point where you are generating enough passive income from your investments to comfortably cover all of your expenses. So how do we get there? In the s 5 Answers for Teachers About Federal Grants for Grad School 03/22/2016 08:00pm • For students, a good rule of thumb is to limit total loan borrowing to no more than your projected first year salary. According to the National Education Association, that average starting salary for teachers was $36,141 in 2012-2013. Borrowing less than that amount can be difficult for prospective As Health Care Evolves, Consider Why to Go to Med School 03/21/2016 08:00pm • Weighing the pros and cons of applying to medical school can be overwhelming. The average student loan debt for medical school graduates is more than $180,000, not including undergraduate debt. Often students reach age 28 before seeing their first real paychecks. Financial compensation alone will n 5 horrible ways to blow your tax refund (and 3 good ones) 03/21/2016 05:00am • According to the IRS, the average taxpayer will wind up with just less than $2,800 as a refund this year. While that may sound like a ton of money, it can disappear in a hurry. What will people do with this dough? Sadly, in my experience, nothing constructive. When I was a financial adviser, I 5 Ways Undergrads Can Set Themselves Up to Pay for Grad School 03/20/2016 08:00pm • As a fourth-year college student who plans to attend grad school in the fall, Kathryn Leary, 22, a communication sciences major at James Madison University, is searching for ways to pay for her master's degree in speech-language pathology. "I just got my acceptance at James Madison University and I Weigh Pros, Cons of an Employer Paying Your Law School Debt 03/20/2016 08:00pm • Companies nationwide are starting to offer a new benefit to debt-ridden employees, assisting them with paying down their student loans. And, law firms are leading the charge in offering this hot new perk, benefit experts say. This benefit offers workers help with student debt repayment on a monthly Score a Career Switch to Health Care From a Liberal Arts Background 03/20/2016 08:00pm • John Derksen majored in political science. But interning at the National Institutes of Health and working for a nonprofit coordinating patient care for immigrants altered his path. The 26-year-old Orrville, Ohio, native is now in a three-year master's program in health care administration at the Un The secret recipe inside your credit score 03/18/2016 05:04pm • WASHINGTON — Have you checked your credit report in the past year? If not, you may want to take a look. Although credit is just one small part of your overall financial picture, bad credit can impact other parts of your life. The most common examples are obtaining a car loan or mortgage at a low r Explore Volunteer Options to Prepare for a Nursing Career 03/17/2016 08:00pm • Graduate nursing programs usually require a student's full dedication. Between hours of studying, students spend time in clinical settings to get hands-on patient care experience, making it critical that prospective students get a feel for working in health before committing to this kind of degree. Strategies to Maximize College Savings and Financial Aid 03/17/2016 08:00pm • Paying for college is a significant concern for many families. Federal financial aid may be a deciding factor in where a student goes to college, even for families who have been diligently saving. With proper planning, it's often possible to develop a strategy to help maximize your family's financia Beyond Credit Scores: 7 Factors That Affect a Loan Application 03/16/2016 08:00pm • When it comes to good finances, credit scores get a lot of press. Based on a formula incorporating loan and repayment history, credit scores are often touted as the reason someone gets approved for a credit card, auto loan or mortgage -- or denied one. However, some financial experts say the role of