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About The College Investor

The College Investor research and surveys

The College Investor is on a mission to help you escape student loan debt so that you can start building real wealth for the future.

We help you navigate your personal finance decisions - so you can escape debt, earn more money, learn how to start investing, and more.

We have been providing expert guides, reviews, tutorials, and more for our readers since September 2009. What started out as a personal finance blog by founder Robert Farrington has evolved into a financial media brand reaching millions of readers per month - across our website, podcast, and video channels.

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thecollegeinvestor@cdn.thecollegeinvestor.com
(858) 598-3149
The College Investor LLC 2514 Jamacha Road, Ste 502, PMB 75 El Cajon, CA 92019
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160 Posts
iTrustCapital Review 2022
Quick SummaryTrade crypto inside your IRA or Roth IRAAssets insured against corporate crime and other forms of theftDigital assets are kept in cold storage OPEN AN ACCOUNT iTrustCapital DetailsProduct NameiTrustCapitalMin Investment$1,000FeesMonthly account cost: $0Cryptocurrency Trades: 1%Physical Gold: $50 over spot per ouncePhysical Silver: $2.50 over spot per ounceAccount TypeIRA Roth IRASEP IRAPromotionsNone Table of Contents What Is iTrustCapital?What Does It Offer?Are There Any Fees?How Do I Contact iTrustCapital?... more
iTrustCapital Review 2022
What Really Happens When You Move Up a Tax Bracket?
Many people assume that when they "Move up a tax bracket" every dollar they earn is taxed at a new, higher rate leading to lower take-home pay overall. His income tax bracket is 22% but his effective tax rate is 14.0%.24%$89,076 to $170,050$15,213. 50.His income tax bracket is 24% but his effective tax rate is 17.8%.32%$170,051 to $215,950$34,647. 50.Her income tax bracket is 32% but her effective tax is 20.2%.35%$215,951 to $539,900$49,335. 50.His tax bracket is 35% but his effective tax rate is 24.7%.37%**At... more
What Really Happens When You Move Up a Tax Bracket?
Cash Freely And Travel Freely Review: Track Your Credit Card Rewards
If you love to maximize credit card rewards for travel, you probably keep your eyes peeled for the next best deal. Quick SummaryCash Freely and Travel Freely automatically remind you about important dates tied to your credit card. Plus, the recommended offers take care of weeding out any credit card options you might not qualify for based on specific credit card issuers' rules. Certain credit card companies won't approve you for a new card if you've gotten a welcome bonus from them in the past. Organization... more
Cash Freely And Travel Freely Review: Track Your Credit Card Rewards
Risks Of Target Date Funds And How To Use Them Effectively
Target Date Funds have become the go-to investment choice for many Americans. They are now offered in over 80% of 401(k) plans nationwide. But if you don't know what you're doing, you might not be effectively using your target date fund. How to use these funds and how and to use the funds. For more information, click here. For example, how to buy a Target Date Fund and to invest in these funds. To invest in the funds and to investment in theseFunds. For the more info, or to make sure you have a good investment... more
Risks Of Target Date Funds And How To Use Them Effectively
The Most Common Multiple Income Streams
If you are thinking about diversifying your income, you may be asking yourself, "How do I diversify my income?" It's actually pretty straight forward, and many of us already have multiple income streams, we just don't realize it. If you start maximizing your income generating potential through your primary salary, you will find yourself having excess income that you can reinvest to generate additional income streams use different buckets of assets. Table of Contents Primary SalarySecondary Salary/Spouse's SalaryInvestmentRental... more
The Most Common Multiple Income Streams
StellarFi Review 2022: Build Credit By Paying Your Bills On Time
StellarFi reports bills such as utilities and rent to be reported to all three major credit bureaus. The company reports regular bills to credit reporting agencies, so you can build credit simply by paying your gym, cell phone, or even streaming services on time. StellarFi doesn’t offer quick fixes, but it can help you grow your credit history over time. The flat $4.99 monthly fee gives you up to $500 in credit. To open an account.
StellarFi Review 2022: Build Credit By Paying Your Bills On Time
Would You Rather Have A Penny That Doubles Each Day For A Month Or $1 Million?
Skip the waitlist now >> Table of Contents The Grain Of Rice FableThe Power Of Compound InterestChart Of A Penny Doubling Each DayKey Takeaway For Millennials The Grain Of Rice FableLong ago in India, there lived a raja who believed he was wise and fair, as a raja should be. "I will store the rice safely," the raja promised the people, "So that in time of famine, everyone will have rice to eat, and no one will go hungry." Each year, the raja's rice collectors gathered nearly all of the people's rice and carried... more
Would You Rather Have A Penny That Doubles Each Day For A Month Or $1 Million?
CFG Bank Review
Their APYs currently start at 2.55% for a 12-month CD.For a 60-month CD, it's even higher-at 3.40%.You'll need at least $500 to open one of these CDs. CFG Mobile MoneySince there are only two branch locations, many answering the call of a high APY will choose to bank entirely online with CFG Bank. A few of the things you can do through the online and mobile banking platform include: Transfer moneyPay billsSet up recurring paymentsView your statementsDeposit checksAccess Zelle for easy money transfers When you... more
CFG Bank Review
15 Best Online Business Ideas to Make Money from Anywhere
The Facebook Side Hustle Course for beginners to learn how to get started running Facebook Ads a side hustle. With the rules you learn on Facebook, you can easily apply it to other social media platforms like Instagram. You can also offer your services to the.com and E-Book OnlineJulie Berninger and Kobo Berninginger. You could contract with companies to manage projects for them. In some cases, a freelance project will go for months. For more information, click here. For the more info, Click here.
15 Best Online Business Ideas to Make Money from Anywhere
Borrower Defense To Repayment Student Loan Forgiveness
The Biden Administration has been expediting Borrower Defense to Repayment claims over the last few years. You can see more and learn how to get help if you were defrauded by your college. If you've been the victim of misleading marketing or fraud, borrower defense to repayment allows you to get 100% student loan forgiveness. Only Direct Loans are eligible for discharge. For confidential support, call the Samaritans on 08457 90 90 9090 or visit www.samaritans.
Borrower Defense To Repayment Student Loan Forgiveness
My Banking Direct Review
My Banking Direct gives you the chance to grow your savings with high APYs that come with their banking products. New York Community Bank boasts $59.5 billion in total assets and its subsidiary, My Banking Direct, was specifically created to offer higher APYs. High-Yield Savings AccountThe high-yield savings account offered by My Banking Direct comes with an impressive APY. As of September 2022, My Banking Direct's high-yield savings account offers a 2.20% APY. In order to open the account, you'll need at least... more
My Banking Direct Review
5 Ways To Invest In Real Estate In 2022 [New Options To Know]
You can invest as little as $500 and be an owner in a property. If you're looking to diversify your investments, but don't have a lot of money to do it with, this could be a lucrative way to start. You can buy single family rental properties (that already have tenants and cash flow) online. Buy A Rental Property and renting them out is a great way to produce extra monthly cash flow. There are two downsides. The second major downside of real estate.
5 Ways To Invest In Real Estate In 2022 [New Options To Know]
Ponce Bank Review
Ponce Bank offers high-yield savings products to grow your funds. You can open an account online or in person at one of the several branch locations in New York and New Jersey. For confidential support, call a local Samaritans on 08457 Connecting on social media is also an option through Facebook, Twitter, and Instagram. For more information, call the Ponce.com, visit the bank.com and ponce.co.com to see Pine.com.com to see how you can get your money. For confidential help, call for confidential support.
Ponce Bank Review
How To Become a Millionaire by 25
How To Earn Money Online: Write 6 articles per day at $50 each. Get an after-school job – $12 per hour for 4 hours per day is $48Mow your 10 of your neighbors lawns for $50 a month. If you started at age 16 and earned an average 7% annual return, you'd only need to earn and invest about $221 a day. All of the individuals we highlighted at the beginning of the article made it to $1 million by 20 years. For $300 per month.
How To Become a Millionaire by 25
The Cheapest Health Insurance for College Students
Many health insurance plans are state-specific, and the in-network doctors may be limited to a few near your parent's hometown. School-sponsored insurance programs are often a good fit for international students who need health insurance coverage. Catastrophic plans have fairly low monthly premiums (but you can’t use a premium tax credit to reduce the premiums, but very high deductibles. The plans cover certain preventive expenses.
The Cheapest Health Insurance for College Students
SkyOne Federal Credit Union Review
Credit unions have a reputation for providing members with accounts that offer more rewards and loans with lower interest rates. If you maintain a balance of $2,500, you'll have the chance of earning dividends of up to 0.05% APY. Although there is a $5 monthly fee, you can have it waived for a variety of reasons such as: Making $1,000 in depositsMaking a minimum of 10 transactionsBeing under 25 or over 65 years of ageHaving a line of credit open with SkyOneSkyOne High Yield Money Market SkyOne has one of the... more
SkyOne Federal Credit Union Review
Parents Worry About Impact Of Inflation On College Savings
Fidelity’s 2022 College Savings Indicator Study reports that four-fifths of parents are worried about the stock market. Concern about the Covid-19 pandemic has decreased from 71% to 62%. Parents are on track to save 27% of college costs, down from 33%. Almost a third of parents with student loans have not yet started saving. 88% of parents have not already started saving for their children's education. Inflation rates haven't been this high since 1982. The Federal Reserve hopes that this will slow spending.... more
Parents Worry About Impact Of Inflation On College Savings
Sallie Mae Bank Review: Competitive Savings Rates And More
High-Yield Savings AccountThe high-yield savings account offered by Sallie Mae offers a straightforward way to put your savings to work. Money Market AccountIn addition to the high-yield accounts above, Sallie Mae also offers a money market account. A money market account allows you to grow your money with interest rates that are similar to a high-yield savings account. Are There Any Fees?Neither the high-yield savings account nor the SmartyPig account comes with a monthly fee. How Does Sallie Mae Bank Compare?If... more
Sallie Mae Bank Review: Competitive Savings Rates And More
The Top 10 Investors Of All Time
Benjamin Graham is widely regarded as the most successful investor in the world based on the amount of capital he started with and what he was able to grow it into. His net worth at the time of his death was low because he had given away most of his money during his lifetime. John "Jack" Bogle was the founder of The Vanguard Group, which most people associate with low cost mutual funds. Bill GrossBill Gross is considered by many. He is the founder and leading manager for PIMCO. He and his team have over $600... more
The Top 10 Investors Of All Time
What Is Considered Employment Income?
Table of Contents What Is Employment Income?What Type Of Income Isn't Earned Income?When Does Employment Income Matter?Final Takeaways What Is Employment Income?Employment income, also known as earned income, is any money you earn from active work. These include:Nontaxable combat payUnion strike benefitsWhat Type Of Income Isn't Earned Income?Most people earn the lion's share of their money through earned income. Earned Income Tax CreditThe EITC is a tax break designed for people with low to moderate incomes.... more
What Is Considered Employment Income?
HoneyBricks Review: Blockchain And Crowdfunded Real Estate In One App
Quick SummaryTokens represent shares of real estate investmentsBuy and sell tokens after 12 months of holdingDistributions are paid in any cryptocurrency you choose Table of Contents What Is HoneyBricks?What Does It Offer?Are There Any Fees?How Do I Contact HoneyBricks? How Does HoneyBricks Compare?How Do I Open An Account?Is It Safe And Secure?Is It Worth It? HoneyBricks DetailsProduct NameHoneyBricksMin Investment$1,000 Per Token or REITTransaction Fee0.05% to 0.2%Open to Non-Accredited InvestorsNoPromotionsEarly... more
HoneyBricks Review: Blockchain And Crowdfunded Real Estate In One App
The Ultimate Self-Employment Guide to Filing Estimated Taxes
For self-employed people, tax time comes four times per year, and you'll almost always owe money. This guide explains what quarterly tax estimates are, how to figure out how much to pay, and how to save money for the estimates. For tax year 2022, quarterly estimates are due on the following days. You also typically have to make estimated state tax payments as well. You can avoid penalty interest, but even this penalty isn't too bad.
The Ultimate Self-Employment Guide to Filing Estimated Taxes
Meet Beagle Review: A Tool To Hunt Down Your Old 401(k)s
Find Old 401(k) AccountsCapitalize, a competitor to Meet Beagle, estimates that Americans have $1.35 trillion in unclaimed assets in old 401(k) accounts. Basically, Meet Beagle's technology tracks down old accounts for you so you can claim that money and roll it over to an account you control. If you've been putting off a 401(k) rollover, Meet Beagle's $3.99 monthly membership fee is likely worth it for you. Opening a retirement account at Meet Beagle means that you'll continue to pay the $3.99 monthly fee in... more
Meet Beagle Review: A Tool To Hunt Down Your Old 401(k)s
What Are Penny Stocks?
As you build your investment portfolio, there are plenty of assets to consider, including penny stocks. Penny stocks are referred to as micro-cap stocks. Penny Stocks: DisadvantagesWhen assessing the opportunities in penny stocks, there are some disadvantages. No minimum standards: When trading these kinds of stocks in niche marketplaces, the standards applied to regular stocks don't apply. With a pump-and-dump scam, a scammer will buy a bunch of penny stocks and push demand for the stock by pummeling investors... more
What Are Penny Stocks?
Survey: 63% Say Biden’s $10,000 Student Loan Forgiveness Is A Good Thing
Sixty-three percent of respondents said they support President Biden's decision to forgive student loans. The Education Department expects it will take four to six weeks for the $10,000 to be canceled from your loan balance. Officials are encouraging borrowers to submit the application no later than Nov. 15, 2022, but technically, you have until Dec. 31, 2023. For more on Student Loan Forgiveness Programs.
Survey: 63% Say Biden’s $10,000 Student Loan Forgiveness Is A Good Thing
Why A Title Loan Isn't Smart And Alternatives to Consider
Title loans, which are high-interest loans that offer you cash quickly, may appear to be a good option if you needed the money yesterday. While a title loan is designed as a "Single payment" loan, it might be difficult for you to repay the loan in 30 days. Unique Dangers Of Title LoansTitle loans have high-interest rates that are considered predatory, and the loans are secured by a car. The Loan Isn't Short-TermLike payday loans, title loans are supposed to be paid in a single payment. Exodus Lending, based... more
Why A Title Loan Isn't Smart And Alternatives to Consider
How To Buy An Investment Property Long Distance
Rental properties may come equipped with leaky toilets, difficult tenants, and unexpected vacancies. If you outsource it to a property manager, it takes more work to find a team of people to keep it in shape. Understanding the market can also prevent you from buying a $72,000 house only to find out that it is highly overvalued. If you want a great guide to get started. Check out Roofstock Academy.
How To Buy An Investment Property Long Distance
Tuition Insurance | Is College Tuition Reimbursement Coverage Worth It?
Below, we're giving you our best insights into tuition insurance and sharing our top picks for tuition insurance providers. Tuition insurance is a product offered by a handful of providers who safeguard your investment in a college education, covering the cost of your tuition if you must withdraw for one of the reasons agreed upon in the policy. Should College Students and Parents Purchase Tuition Insurance?Knowing what tuition insurance has to offer, your interest may be piqued. If you took out a standard tuition... more
Tuition Insurance | Is College Tuition Reimbursement Coverage Worth It?
How To Invest In Ripple (XRP) Step-By-Step
Beyond the financials, the story of Ripple and XRP is a soap opera for both investors and tech connoisseurs. It's important to note that Ripple is the company, and XRP is the coin, but most people simply call it Ripple. The problem is, Ripple isn't the easiest crypto currency to buy, and in 2020, the SEC filed charges against Ripple and two founders in regards to XRP. As a result of the this action, most centralized exchanges have suspended trading on XRP. See the SEC action here. Table of Contents What Is Ripple?How... more
How To Invest In Ripple (XRP) Step-By-Step
Best Banks For Students In 2022
In addition to the College Checking account, you'll find a savings account with an easily waived $5 monthly fee. OPEN AN ACCOUNT Axos: Free Checking, Plus Unlimited ATM Fee ReimbursementsAxos Bank is a national bank that offers a free checking account, the Axos Essentials Checking. OPEN AN ACCOUNT Bank Of America: 'Keep The Change' Helpful For Broke Students The Bank of America Advantage SafeBalance Banking® account is a great account for college students because there is no monthly maintenance fee for students... more
Best Banks For Students In 2022
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