The College Investor Audio Show

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What Is After-Hours Trading And How Can I Start? Dec 16, 2019

Show notes

After-hours trading allows you to trade after the market has closed. Sometimes this is also known as extended hours trading.

This might be advantageous to traders who want to take advantage of an earnings event. Most earnings announcements are made after the market closes, and in some cases, before it opens. For traders who want to put on positions right after an earnings announcement, waiting until the market opens might be too late, as the big move will have already occurred.

Some people trade after hours because of their schedule, which may not allow them to trade during regular hours. Whatever the motivation is, after-hours trading is very different from trading during the regular day session.

Start here: Make sure you understand the stock market hours and what time the stock market opens.

What Is a 529A ABLE Account? Rules, Limits, and Benefits Dec 11, 2019

Show notes

Saving for the future is hard enough, but for families of people with disabilities, it used to be almost impossible. Before 2014, setting aside more than a few thousand dollars risked losing essential benefits like Medicaid or SSI. The ABLE Act changed that.

With a 529A ABLE account, individuals with disabilities can now save and invest money tax-free, without jeopardizing critical support programs.

In this guide, we’ll cover everything you need to know about ABLE accounts: what they are, who qualifies, contribution limits for 2026, how they compare to "normal" 529 college savings plans, and the states that currently offer them.

What is a CP05 Letter and What Should I Do? Dec 10, 2019

Show notes

A CP05 notice from the IRS arrives in your mail. That's scary - nobody wants to receive a letter from the IRS. A CP05 notice means the IRS is reviewing your tax return.

Is it time to panic? Not really. Go ahead and open the letter and read it. In many instances, no action is required on your part (just read the letter and follow any instructions) - they are just writing you to let you know, and make sure you understand your tax return may be delayed at least 60 days or more.

If you’re still confused, use this guide to help you understand what the IRS is trying to tell you.

How To Raise Your Credit Score Dec 04, 2019

Show notes

Achieving and maintaining a great credit score is quite possibly one of the best things that can happen to your finances. Unless you are thinking of buying a house or car, it may not seem like a priority, but as is the case with most things related to investing a good credit score requires time and persistence.

Even if you’ve already purchased your first home, or recently financed a new car, a high credit score can still be beneficial to your finances and can be used to save you money in both the short and long term. Putting in the time and effort now can pay off tenfold in the long term both in terms of money and time. Earlier this week we talked about how your credit score could hurt your job opportunities.

Also, we've recently seen a rise in student loan borrowers seeing errors on their credit reports.

If you aren’t already making timely and full payments, paying down your debt, and obtaining your free yearly copy of your credit report, here are five reasons you should invest in your credit score.

How To Handle An Emergency Car Repair Or Other Unexpected Expenses Dec 03, 2019

Show notes

Discover budgeting tips and strategies for managing unexpected and costly car repairs without compromising your vehicle's safety and reliability.

How To Sell Your Used Clothes Online For Cash Nov 27, 2019

Show notes

Selling your used clothes for extra cash is one of the simplest ways to earn extra money. It's also easy to turn into an on-going side hustle if you enjoy hunting for clothes at thrift stores or garage sales.

Where does a person get started selling clothes online and which platforms are out there to support you?

In this post, you’ll learn of some of the websites and apps where you can start selling your clothes for cash.

But first, let’s talk about what you’ll need.

How To Refinance Your Student Loans If You Didn't Graduate College Nov 26, 2019

Show notes

Paying back student loans can be a challenge for anyone. That’s especially true if you had to leave college before completing the degree. Without that finalized degree, many lenders are unwilling to offer student loan refinancing options.

How to Prevent Identity Theft: 10 Tips You Can Start Using Nov 22, 2019

Show notes

While hackers have gotten savvier over the years, it is possible to take steps that reduce the chances of someone stealing your identity.

Like the old saying goes, prevention is better than a cure. Preventing identity theft is way easier than rebuilding your credit after someone steals it.

In this post, we’ll go over 10 things you can do to protect your identity and prevent identity theft. Some of these may seem tedious, but by doing them, you can protect yourself.

Finding the Best Student Loan Repayment Plan Nov 21, 2019

Show notes

Are you trying to figure out what student loan repayment plan makes sense for you? The myriad of options can be confusing, but figuring out the right option is critical to your financial health. Below we outline resources and options to help you figure out what makes sense for you.

First-time Home Buying 101 Nov 18, 2019

Show notes

For a lot of young adults, the process of first-time home buying can be both fun and stressful. Your home is one of the biggest purchases you'll ever make. It's also complex - with lots of laws, financial terms, and even physical aspects of the house and land you need to consider and understand.

But owning a home is incredibly rewarding. Homeownership is touted as the "American Dream", and a recent survey from Harvard found that 86% of people believed homeownership was better off than renting.

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