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Why behaviors drive personal finance

Why Personal Finance Is Dependent Upon Your Behavior

January 30, 2023December 11, 2022 by Professor B.T. Effer

Personal finance is simple. The hard part is doing the behaviors till they become habit. What is the psychology of money and how do…

Categories Fundaments of Personal Finance, Personal Finance
8 core personal financial principles to follow for success

8 Core Personal Finance Foundational Principles To Follow For Success

January 30, 2023December 5, 2022 by Professor B.T. Effer

These 8 Personal Finance Principles will produce over 80% of the desired results. These 8 simple steps are the key to unlocking all your…

Categories Debt, Fundaments of Personal Finance, Insurance, Personal Finance
5 Foundations of Personal Finance

5 Foundations of Personal Finance -Review Of Dave Ramsey’s Course

January 30, 2023November 27, 2022 by Professor B.T. Effer

5 Foundations of Personal Finance consist of an emergency fund, no debt, paying cash for a car, paying cash for college and…

Categories Credit Cards, Credit Score, Fundaments of Personal Finance, Personal Finance
Credit card balance transfers can come with a 3-6% balance transfer fee. Use the Purchase To Transfer Method instead to save $1,000s

Don’t Balance Transfer Credit Card, Do This Instead To Save $1,000s

January 30, 2023November 25, 2022 by Professor B.T. Effer

Credit Card balance transfers to 0% promotional APRs come with large upfront balance transfer fees. You could save $1,000s by instead…

Categories Credit Cards, Credit Score, Personal Finance
Calculating the value of college can help save you from poor financial decisions

How To Calculate The Value Of College

January 30, 2023November 22, 2022 by Professor B.T. Effer

College is one of the most expensive financial decisions & kids are unprepared to make it. Learn how to calculate the value of college…

Categories college, Personal Finance
Winning the lotto is life changing, but should you choose the lump sum cash value or annuity option

Should You Take The Lump Sum Or Annuity If You Win Lotto?

January 30, 2023November 19, 2022 by Professor B.T. Effer

You won the lottery jackpot and now have to decide between taking the lump sum cash value or the annuity option. Which is the better for…

Categories Lottery, Personal Finance
Accelerated Death Benefit (ADB) life insurance riders allow you to access your death benefit while still alive

What Is An Accelerated Death Benefit (ADB) Rider And Do You Need One?

January 30, 2023November 16, 2022 by Professor B.T. Effer

Accelerated death benefit (ADB) life insurance riders allow you to access some of your death benefit while alive if you get diagnosed with …

Categories Insurance, Personal Finance
A waiver of premium rider will waive all future premium payments if you become disabled.

What Is A Waiver of Premium Rider on Life Insurance And Why You Need It

January 30, 2023November 13, 2022 by Professor B.T. Effer

A waiver of premium rider keeps your policy active and waives premiums if you become disabled. This rider can be immensely valuable if…

Categories Insurance, Personal Finance
Employee stock purchase plans (ESPP) or employee stock ownership plans (ESOP)

Employee Stock Purchase Plans (ESPP) – What Are They And Should You Participate?

January 30, 2023November 11, 2022 by Professor B.T. Effer

Employee stock purchase plans (ESPP) are company run programs that allow you to purchase company stock at large discounts to the current …

Categories Employer Benefits, Personal Finance
Index variable universal life insurance (IVUL) is a permanent life insurance product with a unique cash value growth feature. What are the pros and cons of IVUL

Registered Index Variable Universal Life Insurance Pros And Cons

January 30, 2023November 7, 2022 by Professor B.T. Effer

Index variable universal life insurance (IVUL) is a permanent life insurance product with a unique cash value growth feature. What are the…

Categories Insurance, Personal Finance
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