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Richard Funchess

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Where to Refinance Your Student Loan

Where to Refinance Your Student Loan

There are so many options for refinancing a student loan; it can be confusing. Everyone wants the best deal they can get; however, it can be exhausting shopping around and checking each financial institution. Below are 10 of the best places to refinance or consolidate...
The Top Low- to No-Cost Investing Apps For 2019

The Top Low- to No-Cost Investing Apps For 2019

There is one unalienable truth in this world, investing comes with a ton of risk. What is also true is the less it costs people to invest, the more money they will make. Fortunately, investors today have a slew of options where they can put their hard earned money at...
Can Low Interest Rates Affect Your Savings?

Can Low Interest Rates Affect Your Savings?

Historically low-interest rates have prevailed since the financial crash of 2008. This leads to the questions of whether or not such low-interest rates are a net positive. In particular, how do extremely low-interest rates affect those who are just trying to save? The...
Lessons from A Year of Being Debt-Free

Lessons from A Year of Being Debt-Free

Debt is an albatross that hangs around many peoples’ necks. Consumer credit card debt, student loans, car loans, mortgages, and more all combine to cause a lot of stress for those who are burdened with them. Being debt-free is a financial goal for many people, and...
Budgeting For Christmas As A College Student

Budgeting For Christmas As A College Student

Being in college often means long nights of studying while trying to discover who you are as a person and where your career path will lead after graduating. It also means getting acquainted with living alone, with a group of friends, or in a dorm room with another...
How to Generate Passive Income

How to Generate Passive Income

Earning money is among the most basic necessities of life, and while financial success is often measured by active income—income earned through providing or performing services—more and more individuals have begun seeking financial freedom or supplements through...
Financing a Rental Property

Financing a Rental Property

Many investors love the idea of the passive income that a rental property provides. Except for a few repairs here and there, rental property owners can collect monthly rent checks and see their return on investment grow. Perhaps the biggest challenge to owning a...
Everyone Can Benefit From a Financial Advisor

Everyone Can Benefit From a Financial Advisor

Most of us probably wouldn’t think twice about hiring a trainer if we were looking to improve our physical conditions. So, why are we so hesitant to hire a financial advisor whose job it is to help us attain our financial goals? Much like a physical trainer...
Start Investing Now— It’s Easy

Start Investing Now— It’s Easy

Remember learning about the food pyramid back in elementary school? Meb Faber, the CEO of Cambria Investments has borrowed on that idea to create his own investment pyramid. These are all the things to do before you decide to invest. Starting at the bottom, he advises...