personalfinance
ValueWalk
Growth strategist Andrea Mac, who earned just over half a million dollars last year, anticipates her business, Prequal, will generate $1 million this year. Despite this financial success, she and her husband have no plans to pay for their eldest daughter's university tuition fees. Mac's daughter, a sophomore at the University of Iowa, will finance her own education, a decision informed by seven key considerations: Encouraging IndependenceMac and her husband are committed to fostering independence in their children. They believe that the offspring of affluent parents often have their futures sh...
IBTimes
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A Reddit post recently went viral after an international student relayed how he fled the US to return to China so he could escape a credit card debt amounting to $140,000 (roughly £110,000). The alleged student took to Reddit, confessing to racking up massive credit card debt across Chase, Citibank, and American Express. The student also posted his 'appreciation' for the support of the banking companies, but reaffirmed his commitment to China. The Reddit post read: "A big thank you to Chase, Citibank and American Express for supporting me over the past three years. Although your banking servic...
IBTimes
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"Your Credit is Good, But We Need Cash." This line holds significant meaning today as more merchants encourage customers to use cash by offering lower prices and incentives for those who choose paper over plastic. This shift is economically significant at a time when digital wallets, cryptocurrencies, and online transactions dominate merchant and trading activities. Using cash can offer more opportunities to save money and provide greater control over spending. How Much Can You Save?According to a report, cash discounts typically range between 2% and 4% on purchases, though in some cases, the ...
IBTimes
Financial success is often perceived as high earnings, but many Americans strive for a more comfortable lifestyle rather than high salaries. According to Bankrate's 2024 Financial Success Survey, 56 per cent of Americans define financial success as "living comfortably," making it the most common definition. Other popular indicators for financial success include: "Being financially prepared for the future" (44 per cent)."Never worrying about money" (41 per cent)."Living debt-free" (41 per cent).These priorities reflect a desire for stability and security rather than significant wealth. Living c...
IBTimes
Financially struggling Americans often turn to guaranteed basic income (GBI) programs to navigate economic challenges and meet essential needs. This approach is recognized as an effective strategy for addressing poverty. A recent initiative in Ann Arbor, Michigan, is reshaping how income support is provided to low-income earners by introducing a GBI program tailored for local entrepreneurs, small business owners, and gig workers. Dubbed Guaranteed Income to Grow Ann Arbor, the program will allocate $528 per month for 24 months to 100 eligible residents, allowing them to use the funds as they s...
IBTimes
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