Saturday, April 28, 2012

Citi Credit Card Review

I have a couple credit cards from Citi and I feel like I may have been a bit unfair in my previous posts recommending credit cards.  Currently, I have the Citi Forward credit card for students and the Citi Dividend Visa.  Citi has been one of those companies who didn't seem very stellar but their cards grew on me as I looked more closely at the facts about them.

Saturday, April 21, 2012

Paying Off Your Debt

You always want to pay off your debt.  Any debt at all usually is detrimental to your financial position (unless it is a friendly loan of a few dollars).  This is usually because loans always have very high interest rates, at least higher than the interest you can earn from a bank.  The main reason is because banks and other lenders take larger risks lending to individuals and demand a higher rate of return whereas banks offer FDIC secured accounts and can offer lower rates.

Saturday, April 14, 2012


I think I may have found one of the greatest forums (for personal finance) on the internet.  The website is Saving Advice and I must say how mildly disturbed I am by my own fascination with the place.  Most of the people on the forum are well established adults, so it feels a little weird as a college student.  Most people (from what I've read) already have a family and a mortgage and a lot of retirement accounts.  But what I'm most impressed with about the site is its quality.

Saturday, April 7, 2012

How to Write a Resume

So you're in college, it's your second or third year, and you realize that spring semester is almost coming to an end.  A question pops into your head: what will I be doing this summer?  If you are like most professionally driven students, you will turn your thoughts toward getting an internship.  For graduating and graduated students, the job hunt is right on your doorstep.  But regardless of where you are in the process, it is important to have a good, clear resume for you to submit on your applications.  This post will probably be the most helpful for high school students or college freshmen looking to get ahead early on and develop habits that make it easy for you to update your resume and keep it fresh, but the tips are very relevant for anyone about to apply to a position and want to check their general format.

Sunday, April 1, 2012

The Best Way To Earn Money

The best way to earn money is sometimes to spend.  I have talked a lot about utilizing credit card rewards, but that is just a way to earn some cash on your normal expenditures.  There are often lots of opportunities to be made by just spending all the money in your wallet or maxing out your credit cards.  There is a saying that you can't earn money until you spend, and whether you are running a business or just looking to consume goods, that can't be more true.  The extra benefit that we get out of just making a purchase can often help us be better at our jobs and give us more earning power to get more money in the future.