As you’ve likely noticed, average prices for regular gas have reached record highs in 2022. And unfortunately, expert forecasts suggest they won’t be dropping back down anytime soon. “With gas prices rising at a fast pace, it’s important to not only shop around for the lowest gas prices but also pay attention to how you drive and other auto […]
Imagine waking up to an unexpected letter from the taxman, demanding penalties that threaten to swallow your hard‑earned profits—and realizing you could have avoided this nightmare simply by filing your taxes correctly. The anxiety of “government wahala,” the dread of hidden fees, and the frustration of missed opportunities can paralyze even the most passionate entrepreneur. […]
Nothing beats free when you’re tightening your budget, and the best way to get free books and other services is with a free library card. Though libraries are well known for their books (and they are great for that!), you could have access to audiobooks, movies, streaming services and classes. If you’ve never thought about using […]
Picture this: you’ve poured blood, sweat, and tears into building your dream business in Nigeria, only to be blindsided by a hefty tax penalty because you didn’t have a TIN. The sinking feeling in your chest when you realize you can’t open a corporate bank account, apply for government grants, or even bid on lucrative […]
Imagine pouring your heart and soul into a brilliant business idea—only to hit a brick wall when you can’t open a corporate bank account, secure that crucial loan, or even comply with tax regulations. The Corporate Affairs Commission (CAC) is the gatekeeper to turning your dream into a legally recognized enterprise in Nigeria. Without CAC […]
Filing taxes late can feel stressful, even if you plan to ask for an extension. The deadline to request a tax filing extension is Tax Day, which is April 15. The extension gives you until Oct. 15 of this year to submit your forms how you normally would. Hopefully, you knew that an extension doesn’t apply to […]
As the tax deadline approaches, the Internal Revenue Service (IRS) reports that over 101 million tax returns have been filed for the 2025 season. The average refund has increased to $3,116, marking a 3.5% rise from the previous year. Despite a 0.4% decrease in total returns received compared to the same period last year, the IRS has […]
💸 Money Rule #1: Saving Won’t Make You Rich—Investing Will Most of us grow up being told to “save your money,” as if that alone is the path to wealth. And while saving is important, here’s the real truth: saving alone won’t make you rich—investing will. If your money is just sitting in a checking […]
Harvard University announced on Monday that it will not accept the Trump administration’s proposed agreement that would condition federal funding on sweeping institutional reforms. The university called the government’s demands an overreach that violates academic freedom and the First Amendment. Harvard faces an uncertain future with the federal government, which has threatened to withhold nearly $9 billion […]
Have you ever looked at a piece of jewelry and thought, “I don’t even wear this anymore”? You’re not alone. If you have an old necklace, a broken bracelet, a gold ring, or gold coins you inherited but don’t really want to keep – that gold could be worth a lot more than you think. […]
After nearly two years of rising credit card delinquencies, recent data from the Federal Reserve shows a shift. As of January 2025, subprime delinquency rates have fallen for the second straight month. These rates had climbed significantly since March 2022, when interest rate hikes began. This decline is notable because it bucks the broader trend of consumer […]
Imagine unlocking a secret vault of financial opportunity without ever having to resign from your current job. In today’s digital era, AI isn’t just a buzzword—it’s a revolution that’s quietly transforming ordinary 9-to-5 routines into gateways for extraordinary side hustles. Picture this: while your alarm clock rings at dawn for your regular job, AI tools […]
Passive income — AKA the holy grail of personal finance. It sounds simple: set something up once, kick back and watch cash roll in while you sip cocktails on the beach. Who wouldn’t want that? But here’s the truth: not all passive income streams are created equal. Passive income generation can sometimes cost more than […]
Everyone’s savings accounts look a little different. Some have six months worth of household expenses stashed away, and others are just getting started on their savings journey. If you’re more like the latter and you’re wondering how to save $5,000, it’s definitely doable. We have some tips on how to save $5,000 that don’t involve […]
When the stock market moves too quickly down, trading can be paused automatically. This is known as a circuit breaker. These temporary stops are triggered by steep, rapid declines in the S&P 500 index, and are intended to give investors a moment to reassess before panic selling snowballs. Circuit breakers exist because markets, especially in the […]
While many types of student loan forgiveness are tax-free federally, several states may levy taxes on student loan forgiveness. Even though some popular programs like Public Service Loan Forgiveness (PSLF) are tax free federally, every state has a different law regarding state taxes on loan forgiveness. When you add in all the other types of loan forgiveness: […]
Have you heard of the Rule of 72? Maybe if you go back to your college finance class? And even if you did remember it, you probably haven’t thought about it since then – especially in an investing context. The Rule of 72 is a great tool that every investor should use – it helps you […]
Parents and families are in the process of figuring out how to pay for college. Given that undergraduate Direct loan limits are so low, many parents have to step in to cover the expenses. When savings and scholarships fall short, the next option often involves borrowing. For parents, that usually means choosing between a federal Parent PLUS loan and […]
Senate Democrats are pushing to keep the Biden Administration’s SAVE student loan repayment plan alive. But with Republicans holding both the House and Senate, the bill may not get far. The Savings Opportunity and Affordable Repayment (SOAR) Act, was introduced by Senators Jeff Merkley of Oregon and Tim Kaine of Virginia. It would codify and expand the SAVE Plan, an […]
Do you want to learn how to make $3,000 a month? I’ve been making over $3,000 a month for more than 10 years now, and I think it’s a great way to change your life if you want to start making more money. Whether you are looking to learn the best ways to make $3,000… […]