Is The Scholarship System Legit?

With the high (and ever-rising) cost of college, many people turn to scholarships to help fund their higher education. Hear how one debt-free graduate did it and turned her knowledge of scholarships into a business. And you’ll finally get the answer to the question – Is The Scholarship System Legit? Student loans are predicted to push past the $3.3T mark by the year 2024 which should have parents, students and Universities quaking in fear. Parents because they’ll be on the hook for a chunk of those loans, students because they’ll be paying off the loans for the next 20+ years, and Universities because at some point society will begin to question whether or not higher education is worth the price of admission. No matter which group you fall into, know this: There are ways to minimize what you have to pay in tuition if you look hard enough. People are figuring out ways to take advantage of you to “help” you navigate this process. Scholarships Are Part Of The Answer While the estimated numbers vary, suffice it to say there are billions of dollars worth of scholarships that go unclaimed every year for a variety of reasons. When I’ve asked high school and college students why they don’t apply for more scholarships they give me answers such as: “I’m too lazy” “Don’t know where/how to look” “My grades aren’t good enough” and “I hate writing essays”. All of which are valid (and very honest) reasons. But none are GOOD reasons. …

Sizzling Tulips- Why You Shouldn’t Try To Time The Market

What follows is a cautionary tale that perfectly illustrates why – when it comes to investing – we should all avoid trying to time the market. In essence, avoid the sizzle. The year is 1634. The place – Holland. Tulips made their way to the Dutch from Turkey and, being a new flower, were pretty pricey. People were paying a pretty penny for the pretty flower, but the tulip’s hay-day was still yet to come. After the flowers contracted a unique virus that presented itself as a flame-looking pattern on their petals, the craze began. As the variations continued to expand and prices continued to rise, “tulip-speculators” emerged as a real class of investor. People lost their minds. They traded in their homes to buy these things, liquidated life savings, cashed out on large assets, and probably the family dog too. The tulip bubble was intense. Tulip mania was real. At the height of the craze, a tulip would go for an entire estate. At the bottom, really – just the actual price of a flower (go figure). Guess what happened? Yup – high-volume holders of tulips began to sell, which created a domino effect and the market for this fine flower came tumbling down. The following depression was devastating, even for those that profited from the original sale of their flowers. The bottom line? When everyone’s piling on, that’s a great signal to stay away. Sizzling is really only awesome when it’s associated with a steak at Applebees being put in …

Your Financial Survival Guide

With the Dow Jones still above 20,000, most people aren’t giving a second thought to a stock market collapse, a massive devaluation of the dollar, or an attack on our banking system. That being said, now is THE BEST TIME to prepare yourself in the event of a financial armageddon. The problem with high flying economies like ours is they create a false sense of security. Seeing the DOW break 20,000 had some people celebrating the end of the recession, the next goal of 30,000, and rosy futures for all investors. The flip side of this coin is every high has a low, we’re still pumping up our economy based on rampant printing of money and governmental debt will reach unprecedented highs under the new administration. (It can’t NOT rise with the sheer amount of debt and level of interest paid on the debt. Take a look for yourself at www.USDebtClock.org to see real-time updates.) Candidly, the motivation for writing this article came from my Christmas grab bag gift for men at my in-laws extended family party last year: A sweet Bear Grylls survival tool. What came with it was a miniature instruction book of how to survive the great outdoors with only your know-how and this incredible device. It got me thinking about how people would survive if the stock market collapsed, their credit & debit cards stopped working, and prices ballooned to epic proportions. To comprehend where this begins, you first must know that as of February 2017 …

The 5 Things You Must Do When Having A Child

Granted all you want to do is stare lovingly at the magical being you and your partner created, there are five things that you MUST do when having a child for the first time. I heard Jim Gaffigan once describe life before kids as almost perfect — you get to sleep in on the weekends, get to do whatever you want at night, eat at great restaurants, have extra money for the things you like, have a clean house all the time… and then you get to thinking, “you know what would make this even better? Let’s have A KID!” My wife and I had that very discussion back in 2002 which led to the birth of our daughter in 2003. I remember coming home from the hospital with our little pink bundle, Piper, thinking, “surely I have to get someone to sign off on my ability as a parent?!” Yet, everyday, millions of new moms and dads take their little bundles of joy home and spend hours upon hours just staring at them, totally unaware of the fact that life as they once knew it, is over. The new life — the one with kids in the picture — changes what needs to be done almost overnight, yet there is no operator’s manual, no instruction guide. Most new parents rely on the guidance of their own, or at the very least their friends who are in the know, when making first baby moves. Here are the 5 things you …

Over $1,000 in NIKE gear for FREE!

You’ve no doubt heard the old adage, “if it’s too good to be true, then it probably isn’t”. But what about when too good to be true changes to even better than before?! This is the case with the NIKE store survey offer at the bottom of their receipts — a strategy you can leverage to get over $1,000 in sweet NIKE merch for absolutely zilch. Here’s the scoop: My wife is the kind of shopper that plans ahead, she knows birthdays and other gifts she needs to buy for throughout the coming months, and finds some of the most ridiculous deals imaginable. (We’ll be sharing even more of her finds on the blog!) I like to call her the Coupon Princess because her mom is the Coupon Queen. One of the coupon/rebate offers that she is fond of is at our local NIKE factory outlet store. Up until about 4-6 months ago, when you took NIKE up on the offer to rate the experience you had with their store, they’d email you a $5 coupon good on any NIKE product in any company store. It was an easy $5 off for pairs of socks, mini-basketballs, and even occasionally a pair of shoes when the kids’ soles were wearing through. But lo and behold, over the past few months we’ve had more and more NIKE bags showing up around the house and I started inquiring about what was being brought in and at what cost. My wife and son started …