Richard Funchess

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 your student loans.
Citizens Bank
This bank has lots of loan options. They offer 5-, 10-, 15-, and 20-year repayment options with a variety of different loan rates.
CommonBond
CommondBond focuses on refinancing student loans. It...

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 little to no cost. Here is a look at the best investing apps for 2019 that have little to no fees.
Robinhood
This app lets investors buy and sell stocks and bonds for free. However, customers do not have access to mutual funds an...

There’s a tendency in the modern world to see education as a discreet thing. High school and college graduation are seen as important milestones in a person’s life, but they’re also seen as endings. For many, the expectation is that you walk away with a degree ready to tackle whatever challenges face you in the future. But for the best among us, education is a lifelong affair, and as the industry standards and technologies change at a lightning quick pace, the necessity of pursuing education ...

Becoming a licensed real estate agent or broker provides a pathway to many wonderful career opportunities. Yet many people find the licensing examination challenging. Consider using these seven great tips to help you achieve success:
Master Unfamiliar Topics During Study Sessions
Students preparing for the exam benefit by planning study sessions. It makes sense to focus on both easy and difficult subjects. Remember to make time to master unfamiliar topics. For example, reviewing real estate t...

Thursday morning Frank Robinson passed away at the age of 83. The MLB player and coach was battling bone cancer and lost the battle after a lengthy time. Robinson was the first African American manager in the MLB in 1975 for the Clevland Indians. He also is the only player to ever win MVP in both leagues during his time playing. During the 1966 season, he won the Triple Crown while playing for the Baltimore Orioles and he is currently ranking 10th on the career home runs list with 586. Robins...

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 benefit of low-interest rates is that they allow people to borrow much more freely. A typical 30-year mortgage that goes from eight percent to five percent interest may result in hundreds of thousands of dollars in savings to th...

Real estate is a tricky business. The same strategy that worked a decade ago is now defunct. The real estate development world changes year to year. Only the experts know where the real profit is. Most people would think that investing in large cities is the way to go; however, 2019 doesn’t appear to be heading that way. Below are the best real estate markets to invest in during 2019.
These locations all have a few things in common. For one, the local economy is outperforming the national eco...

Mortgage rates are hitting an average high of 5%. Mortgage rates have been steady in recent years around 4%, but TransUnion credit bureau predicts that these rates will rise to 5% by the end of 2019.
Along with the rising interest rates, the housing prices are steadily rising as well. Near the end of 2018, the median home price in the U.S. was $276,000. Rising interest rates and increasing housing prices has brought back a home-buying strategy into popularity.
The strategy is commonly referre...

Earlier this month, the Oracle of Omaha, the greatest investor of all time, and Berkshire Hathaway’s CEO– Warren Buffett sat down for an exclusive interview with Andy Serwer, Yahoo Finance’s editor-in-chief. The discussion revolved around the importance of good habits in younger generations.
“I think the habits you develop are important. They may be more important than an IQ or something,” Buffett said in response to whether young people should be saving and investing. Reflecting back to his ...

In today’s economy, it can feel overwhelming, and even impossible, to save money. As living expenses zoom past what is considered to be a livable wage, the lifestyles of today can make you feel discouraged and pessimistic. While the budgeting practices of the past may not work for your daily lifestyle, there is still hope.
Intuit, the creator of QuickBooks, Mint, and TurboTax, thinks financial gain could be as simple as changing the way you think. Do you have a jar or center console filled wi...

Getting tips on how to handle your personal finances from billionaires isn’t as daunting as it may seem. While yes, there are some wealthy people who were lucky enough to be born into their money, there are also many, many others who have built their own wealth themselves. Here are 5 tips from billionaires that can apply to anyone struggling to handle their personal finances.
Start early, or as soon as possible
If you’re young, I’m sure you’ve heard it over and over again: start saving money ...

If you’ve been paying any attention to the investing world lately, you’ll know that index funds have become a major key player. Since 2016, out of every $5 invested in the United States, $1 was through an index fund.
What is an Index Fund?
An index is an academic concept or an idea. The most famous index of all time is the Dow Jones Industrial Average, commonly known as “The Dow.” This is a list of the 30 largest American publicly-traded companies. Its use is to evaluate the American economy ...

Sports media comes in many forms of mediums: radio, internet, television, and now even podcasts. Similar to that of the radio, sports podcasts are produced for a low cost and are broadcasted to the public. Here’s a list of some of the best sports podcasts of today.
Ring Rust Radio
Fans of WWE will rave about this podcast. The Bleacher Report writers Brandon Galvin and Donald Wood are the hosts of Ring Rust Radio and bring their style and humor to the job of predicting and analyzing profession...

When considering an investment of real estate, college areas may be the last thing to come to mind. You may be thinking, “why would I purchase a property just to rent it to party-heavy teenagers?!” But statistics show that investing in college town properties has far more to offer.
In the real estate industry, your choice of neighborhoods is exceptionally crucial to your success. Different areas and regions offer different pros and cons for your investment. Carefully compare and consider both...

In 2018, about one-third of the housing market is made up of millennials. At the same time, millennials are currently the largest generation and make up more than two-third of first-time homebuyers. Because of these numbers, it’s important to monitor the trends that are being caused in the real estate market because of millennials. Below are three to be aware of.
Location, Location, Location
Although millennials have caused many changes in the real estate market, location is still the biggest...