Tom Serrano
For many student loan borrowers, income-driven repayment (IDR) plans are often seen as a lifeline, providing a lower student loan payment with the promise of loan forgiveness after 20 or 25 years. These plans, backed by the Department of Education, present an attractive proposition for those burdened with hefty student loan debt. However, a deeper … Read more
In an increasingly complex legal landscape, many individuals find themselves needing legal advice or representation. To meet this need, some employers offer legal insurance as part of their benefits packages. But is legal insurance really worth the expense? This article will delve into what legal insurance covers, its limitations, and the factors you should consider … Read more
Remember those classic 90s movies where a group of misfits band together to take down the big bad bully? They were never the same kind of people, yet they found common ground, forged alliances, and inevitably kicked some serious butt. Unionizing your workplace might not be as glamorous as Hollywood makes it out to be, … Read more
As the first generation to grow up with the Internet at their fingertips, Gen Z’s interaction with money is, unsurprisingly, closely intertwined with their digital lives. A significant part of this digital life revolves around social media, which has evolved into a powerful force that shapes their perceptions, influences their decisions, and inevitably impacts their … Read more
Navigating the maze of personal finance can often feel daunting, especially when it comes to understanding and managing credit. Yet, it’s a critical aspect of financial health that holds the potential to open or close doors, quite literally. Let me tell you a story. A close friend of mine, let’s call him Jake, was a … Read more
Step aside, Indiana Jones! There’s a new explorer in town, and it’s got a knack for ancient languages. In an unprecedented breakthrough, a team of archaeologists and computer scientists have empowered an AI to decode and translate cuneiform tablets—the ancient clay tablets that hold the secrets of Mesopotamian civilization. Yes, you heard that right! AI … Read more
The Gen Z cohort is coming of age and stepping into the realm of higher education, and for many, this means encountering the complex world of student loans. With the total U.S. student loan debt exceeding $1.7 trillion, it’s clear that student loans are a significant part of many individuals’ financial lives. Therefore, it is … Read more
In a world that’s rapidly embracing technology, coding skills are worth their weight in gold. But did you know that they can also add some real gold to your bank account? Yes! Leveraging your tech skills can not only satisfy the geek within but can also pave a solid path to financial prosperity. Whether you’re … Read more
Deciding whether to rent or buy a home is a major life choice that can have lasting financial and lifestyle implications. Both options come with their own sets of benefits and drawbacks. In this post, we’ll dive into the factors you should consider when making this important decision. Understanding the Basics Renting a home means … Read more
In a world where financial transactions and money management have become integral facets of daily life, it’s astounding to realize that a substantial portion of the global population remains underbanked or even unbanked. These individuals often find themselves on the fringes of the financial system, unable to access essential services such as loans, savings accounts, … Read more
Student loans – a term that resonates with the majority of young individuals seeking to better their futures through education. However, with tuition fees escalating year after year, a significant number of students find themselves in a financial quagmire. This article delves into how student loan debt is affecting the financial future of individuals and … Read more
In today’s technologically driven world, children are growing up with devices in their hands. While the internet has opened up a plethora of educational and entertainment options for kids, it has also exposed them to various cybersecurity risks. As parents, guardians, and educators, it is our responsibility to teach the next generation about the importance … Read more
As a wave of concern sweeps across the United States, the Supreme Court has nullified the student debt cancellation of up to $20,000, as proposed by President Joe Biden last year. This ruling affects around 40 million borrowers who had benefitted from the payment pause during the pandemic. With repayments set to recommence in October, … Read more
In the digital age, social media platforms have become a central part of our daily lives. We use them to connect with friends, share experiences, and stay updated on news and events. However, with the convenience and connectedness that social media offers, it also poses risks to our personal security, particularly identity theft. In this … Read more
Traveling can be a thrilling experience. However, as you relish the joy of exploring new places, it is essential to stay vigilant and protect your identity and data. With the rise in digital footprints, travelers are often targets for data breaches and identity theft. I’m on my way to Florida this weekend to celebrate my … Read more
Phishing attacks are one of the most common and dangerous types of cyber threats that can lead to identity theft, financial loss, and unauthorized data access. The term “phishing” is derived from the word “fishing” as it is akin to throwing a baited hook out there and hoping someone bites. In this post, we will … Read more
In the unpredictable ocean of life, insurance serves as a lifeboat that provides us with financial security against storms and rough waters. Like a prudent captain who prepares for unforeseen challenges, each of us needs to understand the intricate world of insurance to safeguard our voyage. This article will chart the course through the various … Read more
Crafting a business plan is not merely an administrative hurdle to cross; it is an essential step in laying the groundwork for your entrepreneurial vision.
Starting a business is an exciting endeavor, but finding the financial help to turn your dream into a reality can be a daunting task. This article will guide you through different sources of financing, how to determine how much money you need, and the trade-offs involved in different types of financing. Assessing Your Financial Needs … Read more
AI’s integration into the gig economy is a complex issue, presenting both opportunities and challenges. While it’s clear that this powerful combination can increase efficiency and provide flexibility, it’s equally evident that it can lead to income instability and potential exploitation. Balancing these competing interests is a difficult task, one that will likely require a combination of technological innovation, regulatory insight, and social dialogue. As AI continues to reshape our economy, we must ensure that it serves not only corporate interests but also the needs of the workforce that makes it possible.