Education secretary says students should have additional educational and career pathways

DeVos Makes Case for Alternatives to 4-Year College I have written on the unsustainable cost of college previously. This post shares a recent Wall Street Journal Article on the topic. Ms. DeVos nails it when she discusses the lack of financial literacy. Both students AND PARENTS must become more financially literate. Enabling better decision-making and avoiding a life time of UNNECESSARY DEBT. The cost of college is unaffordable for average American ...

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WANT TO TEST YOUR FINANCIAL LITERACY?

Can you answer these six basic financial questions? Most people answer only two questions correctly. Let's see how well you do. Basic Financial Literacy Questions These six questions on credit history, net worth, interest rates and student loans were developed by Annamaria Lusardi, Director of the Global Financial Literacy Excellence Center (GFLEC) at The George Washington University. They were included as part of a survey conducted by education company, EVERFI, which found in prior research ...

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{PART 4 OF 4} THE SOLUTIONS TO OUR COMMON NATIONAL PROBLEMS IMPACTING EVERY AMERICAN

(OUR) GOVERNMENTS (FEDERAL, STATE AND LOCAL) MUST BE BETTER AND MORE EFFECTIVE.   WE CANNOT AND WILL NOT SUCEED WITHOUT THEIR HELP!   THE REST OF US MUST DO A BETTER JOB TOO!  {Excerpts FROM JAMIE DIMON, CEO J.P. MORGAN CHASE, CEO AND CHAIRMAN OF THE BOARD, ANNUAL LETTER- Public Policy}  “The U.S. federal government is becoming less relevant to what is going on in people’s lives. People have generally lost faith in the ability ...

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REAL SOLUTIONS TO THE CRITICAL ISSUES DESTROYING OUR COUNTRY AND YOUR FUTURE {PART 2 OF 4}

PART 2:  “WE MUST HAVE A PROPER DIAGNOSIS OF OUR PROBLEMS - THE ISSUES ARE REAL AND SERIOUS — IF WE WANT TO HAVE THE PROPE PRESCRIPTIONS THAT LEADS TO WORKABLE SOLUTIONS” {PART 2 of 4 - Excerpts FROM JAMIE DIAMOND, CEO J.P. MORGAN CHASE, ANNUAL LETTER - Public Policy}  “Slogans are not policy, and, though simple and sometimes virtuous-sounding, they often lead to policies that fail. Well-intentioned but poorly designed policies ...

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SO YOU GOT A HUGE TAX REFUND – NOW WHAT?

Approximately 76 million or 44 percent of Americans paid ZERO federal income tax in 2018.  For the rest of us, about 70% will get a refund. Keep in mind because your tax bracket was most likely decreased for 2018, your refund will be smaller than 2017’s refund.   WHAT YOU CAN DO WITH YOUR REFUND- TO GROW YOUR NET-WORTH PAY OFF HIGH INTEREST DEBT If you have credit card debt, this may be a perfect use for your tax ...

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GOOD VERSUS BIG, BAD and UGLY DEBT!

Last week I wrote about debt. Majority of people during their journey to wealth will use and manage debt. But some debt is simply BIG, BAD and UGLY. Too many Americans are deeply in debt, and taking no steps to come out. MY INTRODUCTION TO CREDIT CARD DEBT After college, the easiest credit card to obtain was Sears. I needed to build my credit, so I applied and received the Sears Credit ...

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