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The RCG is dedicated to helping navigate the sometimes murky world of personal finance including mortgages, loans, credit and investing. http://reluctantcreditguy.com

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The Reluctant Credit Guy

Flips

Your Complete Guide to DRIP Investing
The Motley Fool - Matthew Frankel, CFP
Dividend reinvestment plans can be excellent tools for long-term investors, but here's what you need to know before enrolling. A DRIP, or dividend …
256-Bit
How to get $1,000 for free this month by downloading a savings app
Cult of Mac - Gabe Trumbo
The Acorns app is a great way to build up small savings. It automatically rounds up every purchase you make to the nearest dollar and invests that spare change for you. And, if you download the app this
10 Free Resources That Will Help You Live Up To Your Financial Potential
Forbes - Cynthia Meyer
You’ve got financial potential. Are you living up to it? If you’re like most Forbes readers, you’re doing pretty well: you’re paying your bills, saving in your 401(k) and making some solid investment You
Jim Cramer's New Rules for Investing
TheStreet - Katherine Ross
Jim Cramer has new rules for investing in this volatile market. "Here are the new rules and codicils I've figured out for investing in a treacherous …
Like Discount Shopping? Save Big With These Sites – My 3 Faves
boardingarea.com - Harlan
Also see: • A Few Apps + Sites I Like to Save Money As someone with 3 Airbnb properties, I buy a TON of home supplies: paper products, cleaning supplies, …
Alexa can now help you choose a credit card
New York Post - By Maria LaMagna
“Alexa, can you pick a new credit card for me?” As of this week, the answer is yes. The personal-finance company NerdWallet announced Wednesday a new …
The Personal Finance Advice Everyone In Their 20s Should Follow
Refinery29 - Brianna Arps
Typically, our 20s are marked by a number of milestones, including graduating college, entering the workforce, moving up the career ladder, and, for …
Get Some Market Growth With No Downside: A Do It Yourself Guide
reluctantcreditguy.com
If you’re reading this, you’re most likely interested in putting your money to work in the market. But maybe you’re also the kind of person who feels …
DRiP Information, Tools, And Forms
dripinvesting.org
DRiP Spreadsheets An Excel spreadsheet for tracking your DRiP purchases Example DRiP spreadsheet by DRiPpy based on Yahoo quotes Portfolio …
3 Retirement Accounts You Should Try to Max Out
The Motley Fool - Christy Bieber
Saving enough for retirement can be hard, but maxing out these three accounts comes with significant tax savings so you can be better prepared. Most …
Personal Information
Equifax Data Leak: How to find out if you’re among the 143 million victims — and protect your credit
Mic News - By James Dennin
The personal information of up to 143 million U.S. consumers has been accessed in a “cybersecurity incident” at Equifax, one of the three major …
Consumer Financial Protection Bureau
Your credit score may jump starting this month
CNBC - Jessica Dickler
Some consumers may suddenly have a higher credit score. That's because improved standards for utilizing new and existing public records were …
How Does Your Net Worth Compare to the Average American's?
The Motley Fool - Maurie Backman
Sometimes, it helps to know where you stand. We live in a society where it's common to compare ourselves to others. (We can thank social media for …
How to Read the Fine Print of Credit Card Offers
NerdWallet - Gregory Karp
After narrowing your credit card choices, by using a NerdWallet tool or any other method, it’s time to wade into the fine print of the deal. That’s …
Teens
Begin teaching kids money management skills early
USA TODAY Money - Alex Viega
A part-time summer job can teach teens the value of earning a paycheck, but not necessarily how to manage their money wisely. That's a job parents should take on, and the earlier the better, experts say.
Apps
Best apps to save money: 5 free or cheap grocery shopping tools for saving cash — and time!
Mic News - By Christy Rakoczy
Want to save money on groceries and save time, too, by not having to head to the store every time you need bread or lemons? If you're ready to hack …
How to Calculate Monthly Interest for Loans, Bank Accounts, and More
The Balance - By Justin Pritchard
Calculating interest month-by-month is an essential skill. You’ll often see interest rates quoted as an annual percentage, but sometimes it’s more …
Stock Markets
4 Things You Must Do Before You Invest One Dollar in the Market
The Balance - By Barbara Friedberg
We’re in the eighth year of a raging bull market, and it’s tempting to dive into the investment markets. Since 2009, the S&P 500’s returns were …
Health Savings Accounts
10 Things To Know About A Health Savings Account (HSA)
The Balance - By Wes Moss
Health Savings Accounts (HSAs) are employer-sponsored health plans that were created by federal legislation in 2003. An HSA is much like a savings …
Five essential apps to track your spending, save money, and pay your friends
The Verge - Casey Newton
Go fund yourself In the years after I graduated college, my primary tool for managing money was prayer. Pray that the $20 in my wallet would cover lunch through the week. Pray my friend waited a few days
The Real Reason Americans Are Falling Behind Financially
Investopedia - Rebecca Lake
As many Americans continue to struggle to make ends meet and save for retirement, it makes sense to try to understand what's behind these …
How to set up your first 401(k): A step-by-step guide
MarketWatch - By Constance Brinkley-Badgett
So you’ve decided to save for your retirement using your company’s 401(k) plan. Congratulations! It’s a great way to save. But now what? Which funds …
What to do if you get an audit notice from the IRS
Los Angeles Times - By Tina Orem
It’s unlikely that you’ll be audited — the IRSaudits less than 1% of the tax returns it receives. If an audit notice does show up, though, tax pros say there are a few basic steps you can take to steady
Personal Finance
The only 3 financial goals you need: Simplify your life and save money in a few easy steps
Mic News - By Gina Ragusa
What's your biggest money saving goal? Paying off college loan debt? Building credit? Having enough money to eventually afford a house? All of the …
eBooks
How to Lend, Borrow, and Share Kindle Books With Friends and Family
The Balance - by
Did you know there's another way to get Kindle books for free besides going through the lists of the latest free Kindle books? Below, you'll learn …
Demographics
Compare Your Wealth to the Average American Net Worth
The Balance - By Kimberly Amadeo
What Is the Average American Net Worth? Compare Your Wealth to that of the Average American Updated June 22, 2018 The average American net worth is …
Roth IRA
Personal finance expert: Do these 6 things to save an extra $700 per month
CNBC - Ramit Sethi, Contributor
Compare two people trying to get an edge in life after starting with debt. John focuses on small wins: removing little costs wherever possible. He …
5 Reasons Why You'll Never Be Rich
Forbes - Zack Friedman
When is the last time that you did a financial life check? Whether you live paycheck to paycheck or earn a sizeable salary, your financial habits may be creating obstacles on your path to building sustainable
The 10 Best Part-Time Jobs for Seniors
The Balance - By Jen Hubley Luckwaldt
One in five workers over the age of 60 say they don’t think they’ll ever be able to retire, according to a CareerBuilder survey. Half say they’ll …