Home > Author Archives: Grayson Bell

Author Archives: Grayson Bell

Grayson is the founder of the personal finance blog, Debt Roundup. He also runs a blog management service to help out bloggers and site owners focus on creating content, not fixing issues.

Breaking Down Student Loan Options

Student loan options

The cost of education has increased dramatically over the past few decades, often forcing students and parents to consider taking out loans to pay for tuition, fees and room and board. While grants and scholarships are available, they may not cover the cost of a student’s final bill. Fortunately, there are several different types of student loan programs available. The eligibility for these programs, as well as loan terms, differ by program, so it’s important that students, and their families, do some research before making the decision to borrow. Student Loan Types Federal Direct Loans Previously known as “Stafford Loans,” the Direct Loans program provides loans to students based on need. There is no credit check required to apply for a direct loan There are two subtypes of direct loans available: Subsidized and unsubsidized. The government pays the accruing interests on a subsidized loan while the student is still in school. Unsubsidized loans begin to accrue interest as soon as they are disbursed. One major advantage to choosing federal direct loans is that there are several programs that can help borrowers manage repayment, particularly if the borrower is unemployed or doesn’t make a lot of money. These include the ability ...

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The Best Dental Insurance Companies for 2016

The best dental insurance companies

Finding a good dental insurance company is the best way to maintain a healthy smile while also saving the most money to do the things you truly love. You may think that going to the dentist is a hassle and I did as well for the longest time, but then I realized I was only doing myself a disservice. A healthy mouth isn’t just about clean teeth and good breath. Your teeth and gums can lead to better overall health and save you a lot of money down the line. Here are six benefits of keeping good oral hygiene. Like many Americans who aren’t covered by their employer, you might be finding the process more challenging than you first anticipated and that is why we are listing these four companies below that are proving to make their customers smile in 2016. Don’t skimp on dental coverage if you don’t have to, but make sure to look through all the costs associated with every plan. Depending on how many times you go for a regular checkup, it might be financially wise to go with a lower priced plan that covers just the major procedures and you pay for dental checkups out ...

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3 Stock Market Investing Tips for Beginners

3 Tips for Beginner Investors

If you’re an individual investor in the stock market, the first thing you should know is that the deck is stacked against you. Your investment in a company’s shares will not move the price, so the only way you “win” is by being lucky enough to buy before institutional investors or hedge funds pour hundreds of millions, if not billions, of dollars into the shares you already own. As they say, “a rising tide lifts all boats.” In many ways, if you keep this basic premise in mind, you will understand the following fundamentals of becoming a successful investor. Here are three stock market investing tips for beginners! 1. Understand the Basics Investing in the stock market doesn’t need to be complicated. While some investors devise complex algorithms, formulas, and screeners to compare return on equity (ROE), earnings per share (EPS), compound annual growth rates (CAGR) and P/E ratios, individual investors likely don’t have the same resources. But by sticking to fundamental investment principles, you can still earn a market average or higher return in your investment accounts. What kind of investor are you? If you are young, maybe you can afford the volatility of risky investments because you won’t ...

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How Wealth Management Around the World Has Changed Recently

Changes in global wealth management

The past few years have been rough on the global economy. First, most countries dealt with a market crash and now, the market is recovering slowly but surely. The outlook is positive, as most countries have seen a growth in GDP. In particular, private wealth has grown remarkably well in the past few years. Many countries experienced double-digit growth in this sector. The market crash didn’t just affect smaller companies, but also large international ones like J.P. Morgan global wealth management and many others. Investing has been responsible for much of the growth in private wealth. This has allowed many new online brokerages to enter the market and compete for a share of the wealth management. Eastern Europe Eastern Europe is largely dominated by Russia both in mass and growth. In 2014, Russia’s private financial growth equaled 25%, which accounted for 71% of the area’s entire private wealth. Russia’s GDP grew by 8% with bond returns equaling 31%. Overall, Eastern Europe experienced a 19% increase in private fortunes. Poland, Slovakia, Hungry, and the Czech Republic had single digit growth of 8% or less. The entire region put a large part of its wealth in bonds as opposed to cash deposits or equity. Western ...

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4 Ways to Know When to Buy or Sell a Property

4 Ways to know when to buy or sell a property

It doesn’t matter if you are a professional renovator or a young couple about to purchase their first home, buying or selling a property is a big deal. Aside from the financial investment, generally people are emotionally attached to their properties. Whether you are in the market for a new house or feeling ready to sell off an investment property, it is all about timing. So how do you know when the time is right? Read on for some ideas on how to spot the opportune moment! 1. The market is favorable If you are already planning on buying or selling and there are no urgent factors affecting your decision, be sure to do your research. While this may seem obvious, a favorable market can be more difficult to take advantage of than you expect. There are many factors to consider: do you have to sell your existing property and look to purchase at the same time; is location a key contributor to market forces; and are you buying and/or selling in suburbs that take advantage of these forces? Do you understand the current market in depth and how it will affect your position? Of course, a reliable real estate ...

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