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4 Inexpensive Ways to Get College Credit

Paying for a university education is expensive, ranging from about $20,000 per year at a state university to more than $40,000 for out-of-state or private school tuition, room and board, fees, etc. From work-study programs to scholarships, there are many ways to lower overall costs.

One strategy is to earn college credit for studies outside of the university’s traditional classrooms. For example, many high school students take AP classes, which not only positions them well for admissions but also (potentially) earns college credits.

A student can reduce overall expenses by earning credit hours through AP courses and similar methods. But be sure to confirm with university admissions officers, advisors, etc. that these efforts (and associated expenses) will actually move your student closer to graduation with a bachelor’s degree.

Financial Goals: How to Reach Them (Basic Formulas)

After you have defined your financial goals, you may want to figure out how to reach your goals. There are many variables and detours on the way to achieving your goals. But you may find basic financial calculations helpful in charting your course.

Start by identifying a dollar value for each goal; then determine how much you should set aside to reach this goal within a certain time frame. You can use Microsoft Excel or Google Sheets to perform these calculations. I’ll show you the basics.

FutureAdvisor Review

FutureAdvisor is a registered investment advisory firm, which offers portfolio management services.

The firm uses automated tools to analyze your portfolio compared to a model portfolio, and makes buy and sell recommendations to align your portfolio with its ideal. FutureAdvisor offers you the opportunity to connect with a real person to answer any questions.

The firm creates ETF-based portfolios and offers portfolio rebalancing and tax-loss harvesting services, like Betterment and Wealthfront. But at FutureAdvisor, you reveal your investment holdings in your IRAs, 401(k) plan, and taxable accounts, and the firm seeks to create a diversification plan across your various accounts whereas some robo advisors create a diversified portfolio only with the money you invest directly with that firm.

4 Easy Steps to Overcoming Your Fear of Investing

One of the topics I find fascinating (and important) to explore is the idea of overcoming fear or other emotion that prevents people from investing in the stock market. Though some cynically view investing as a system gamed against the average investor, I believe it can provide opportunity for regular people to build wealth, gain greater freedom over their lives by becoming less dependent on employment, and improve financial security.