# FinMasters > Expert-driven advice and resources to help you earn, save and grow your money. --- ## Posts - [An update on our newest media brand 18 months and $289,000 later.](https://finmasters.com/an-update-on-our-newest-media-brand-18-months-and-289000-later/): This article is a continuation of our initial story on launching FinMasters and spending $477,924 to do so, make sure... - [HSA Rollover Rules](https://finmasters.com/hsa-rollover-rules/): Have you left an HSA behind at an old employer? It may be time for a rollover, but you'll want to review these HSA rollover rules first. - [SPY vs VOO vs IVV: Major S&P 500 Index Funds Compared](https://finmasters.com/spy-vs-voo-vs-ivv/): SPY vs VOO vs IVV? If you're trying to decide which of these three heavyweight S&P 500 index funds to buy, this comparison may help. - [VTI vs VOO: Index Funds Go Head to Head](https://finmasters.com/vti-vs-voo/): VTI vs VOO, which index fund is right for you? We break down the difference and similarities between these major index funds. - [Fundrise Review: What You Need to Know](https://finmasters.com/fundrise-review-what-you-need-to-know/): Fundrise offers smaller investors access to alternative asset classes for as little as $10. Find out more in this Fundrise review. - [Consumer Debt Statistics: Data, Trends & Demographics](https://finmasters.com/consumer-debt-statistics/): America has a debt problem. These consumer debt statistics break that problem down into numbers and make it easier to understand. - [What Is the Average Cost of Groceries ?](https://finmasters.com/average-cost-of-groceries/): Groceries are one of the leading costs for American households. But what is the average cost of groceries? Let's look at the numbers. - [How Much Does It Cost to Start a Business?](https://finmasters.com/how-much-does-it-cost-to-start-a-business/): How much does it cost to start a business? That can vary widely depending on the business. Here's how you can estimate your startup costs. - [The Worst Shark Tank Products: 12 Epic Fails Revealed](https://finmasters.com/worst-shark-tank-products/): ABC's Shark Tank has generated some winners and also some big losers. We look at the latter in this review of the worst Shark Tank Products. - [Types of Personal Loan: A Comprehensive Guide](https://finmasters.com/types-of-personal-loans/): There are different types of personal loans available to borrowers. It's important to know which is right for you. - [Optima Tax Relief Review: Are They Legit? What Do They Cost?](https://finmasters.com/optima-tax-relief/): Our Optima Tax Relief Review helps you determine if they are legit as well as how much their tax debt relief service costs. - [The Best Shark Tank Products: 20 That Made It](https://finmasters.com/best-shark-tank-products/): ABC's Shark Tank has attracted numerous viewers, but what happens after the show? What are the best Shark Tank products? Let's see. - [Make 100 Dollars a Day: 25 Top Strategies](https://finmasters.com/make-100-dollars-a-day/): Wondering how to make 100 dollars a day? Discover 25 great ways to boost your daily income by an extra $100. - [The Best Online and Offline Side Hustles for Women](https://finmasters.com/side-hustles-for-women/): A side hustle won’t get you rich overnight, but it can boost your budget. Learn what the best side hustles for women are and try them out. - [What Does Being Audited Mean?](https://finmasters.com/what-does-being-audited-mean/): What does being audited mean for you? Here's how to navigate the process effectively and minimize any potential damage. - [How Much Money Do I Need to Invest to Make $3,000 a Month?](https://finmasters.com/how-much-money-do-i-need-to-invest-to-make-3000-a-month/): We provide three answers using different investment assets to this question: "How much money do I need to invest to make $3000 a month?". - [Varo Believe Card Review: Building Credit With Your Debit Card](https://finmasters.com/varo-believe-card-review/): The Believe card promises to help you build your credit, but does it actually work? We take a closer look in this Varo Believe card review. - [How to Make Money With Canva: 10 Creative Ways](https://finmasters.com/how-to-make-money-with-canva/): Discover how to make money with Canva if you have experience in content creation and online design. Read on to learn more. - [How to Profit From a Reverse Stock Split](https://finmasters.com/profit-from-a-reverse-stock-split/): It's not generally a positive sign for a company, but there are ways to profit from a reverse stock split. We take a closer look. - [How to Save Money on Car Insurance](https://finmasters.com/save-money-on-car-insurance/): Car insurance costs are rising fast, and drivers are looking for ways to save money on car insurance. These suggestions can help. - [What Triggers an IRS Audit?](https://finmasters.com/what-triggers-an-irs-audit/): Understanding what triggers an IRS audit can help you avoid the stress and trouble of being audited. Here are some triggers to watch out for. - [SPY vs QQQ: Index Fund Faceoff](https://finmasters.com/spy-vs-qqq/): SPY and QQQ are two of the most visible ETFs out there, but which is right for you? We put them head to head, SPY vs QQQ, to help you choose. - [How Do Credit Card Companies Make Money?](https://finmasters.com/how-do-credit-card-companies-make-money/): Have you ever wondered how credit card companies make money? Learn about their revenue streams to help minimize the amount you pay them. - [Financial Illiteracy Education: How We Teach Bad Financial Habits](https://finmasters.com/financial-illiteracy-education/): Financial literacy education can help, but it has to overcome financial illiteracy education: the way we actively teach bad money habits. - [Private Real Estate Investing: Pros and Cons](https://finmasters.com/private-real-estate-investing/): Before jumping into the world of private real estate investing, review this guide to achieve success, and avoid pitfalls. - [The Health Insurance Appeal Letter: Overcoming Coverage Denials](https://finmasters.com/health-insurance-appeal-letter/): Use these health insurance appeal letter templates to ask your insurer to rethink its decision to deny your claim. - [What Is a Paid in Full Letter and How to Request One?](https://finmasters.com/paid-in-full-letter/): If you ever need to prove that a debt is fully paid and can no longer be collected, then a paid-in-full letter can be your best friend. - [TC2000 Review: A Closer Look](https://finmasters.com/tc2000-review/): TC2000 is a powerful research and trading tool, especially for technical analysis. Check this TC2000 review to see if it's right for you. - [Best Pay-Per-Mile Car Insurance](https://finmasters.com/pay-per-mile-car-insurance/): Pay-per-mile car insurance can save you money on your car insurance premiums, but is it worth it to have your driving tracked? - [Budgeting for Teens: Practical Advice for Parents](https://finmasters.com/budgeting-for-teens/): If you're trying to tackle budgeting for teens, you have some distinct challenges ahead. Here are the key concepts you should teach first. - [How Much Is Car Insurance for a 17-Year-Old?](https://finmasters.com/how-much-is-car-insurance-for-a-17-year-old/): How much is car insurance for a 17-year-old? Teenagers pay more for car insurance, but there are tips to make coverage more affordable. - [Best Usage-Based Car Insurance Policies](https://finmasters.com/usage-based-car-insurance/): Usage-based car insurance policies and discounts can help you save a bundle on your car insurance premiums. - [How to Save for a Car as a Teenager: A Step-by-Step Guide](https://finmasters.com/how-to-save-for-a-car-as-a-teenager-a-step-by-step-guide/): Want to know how to save for a car as a teenager? Start by doing some research, getting a job, and having a talk with your parents. - [Best Apps for Freelancers: Boost Your Efficiency](https://finmasters.com/best-apps-for-freelancers/): If you're freelancing you need to manage your business and personal finances at the same time. The best apps for freelancers can help. - [Should I Rent or Buy? The Great Housing Debate](https://finmasters.com/should-i-buy-or-rent/): Should I buy or rent? This decision will depend on finances, priorities, and the housing market. Let's look at some factors. - [What To Do With $50,000: A Step-by-Step Guide](https://finmasters.com/what-to-do-with-50000/): This step-by-step guide will show you what to do with $50,000 and how to make the most out of this opportunity. - [21 Best Real Estate Stocks & ETFs to Watch](https://finmasters.com/best-real-estate-stocks/): Real estate is a great way to diversify a portfolio, and the best real estate stocks open this asset class up even to small investors. - [What to Do After Paying Off Your Mortgage](https://finmasters.com/what-to-do-after-paying-off-your-mortgage/): Wondering what to do after paying off your mortgage? Here's a step-by-step guide to make the process easier. - [Why Did My Credit Score Go Down When Nothing Changed?](https://finmasters.com/why-did-my-credit-score-go-down-when-nothing-changed/): Why did my credit score go down when nothing changed? Let's explore the key factors causing these unexpected drops. - [What Credit Score Do You Need to Buy a Car? A Quick Answer](https://finmasters.com/what-credit-score-do-you-need-to-buy-a-car/): What credit score do you need to buy a car? Luckily, even if you have bad credit, it's still possible to secure an auto loan. - [10 Best Natural Gas Stocks & ETFs to Watch](https://finmasters.com/best-natural-gas-stocks-etfs/): Demand for cleaner fuels has pushed natural gas prices up. This can be the moment to look for the best natural gas stocks and ETFs. - [Clear Your ChexSystems Report: Step-by-Step Guide](https://finmasters.com/how-to-clear-your-chexsystems-report/): Learn how to clear your ChexSystems report and regain account options. Essential steps for a better financial future. - [10 Best Cannabis Stocks & ETFs to Watch](https://finmasters.com/best-cannabis-stocks/): Legal cannabis is a new business, and investors are looking for the best cannabis stocks. Here are some picks to consider. - [Trade Ideas Review: Is It the Best Trading Platform This Year?](https://finmasters.com/trade-ideas-review/): We review the pros and cons in this Trade Ideas review. Trade Ideas is a premium trading platform, but is it right for you? - [What to Do With an Inherited IRA: Most Common Scenarios](https://finmasters.com/what-to-do-with-an-inherited-ira-most-common-scenarios/): What to do with an inherited IRA? Should you cash out an inherited IRA or save the money for the future? Here's the answer. - [How to Finance a Computer With Bad Credit (Step-by-Step)](https://finmasters.com/finance-a-computer-with-bad-credit/): The rise of remote work has made it important to own a computer. But what if you need to finance a computer with bad credit? Here's how. - [10 Best Biotech Stocks & ETFs of This Year](https://finmasters.com/best-biotech-stocks/): Here are some of the best biotech stocks. These biotech companies apply cutting edge technology to key medical and agricultural challenges. - [Best Credit Cards for 18-Year-Olds: 1 Absolute Top & 8 Runner-Ups](https://finmasters.com/best-credit-cards-for-18-year-olds/): When you turn 18 you are eligible for your own card. Here are some of the best credit cards for 18-year-olds you can consider. - [Girl Math: Valid Budgeting Technique or Dangerous TikTok Trend?](https://finmasters.com/girl-math/): "Girl math" is a unique take on spending that rationalizes purchases as "free" or defends their cost per use. But does this actually work? - [9 Best Banking Stocks & ETFs to Watch](https://finmasters.com/best-banking-stocks/): Banks are at the center of the global economy, and investors are always looking for the best banking stocks. Here are some top picks. - [10 Key Financial and Credit Steps to Take When a Loved One Dies](https://finmasters.com/credit-steps-to-take-when-a-loved-one-dies/): Not sure what financial and credit steps to take when a loved one dies? Let's look at 10 of the most important ones. - [Average Net Worth : By Age, Education, Race & More](https://finmasters.com/average-net-worth/): Have you wondered how your overall financial standing stacks up? These figures on the average net worth of Americans will tell you. - [13 Best Money-Making Apps That Are Worth a Try](https://finmasters.com/best-money-making-apps/): These best money-making apps cover a wide range of options. Which one is going to be ideal for you depends on how you want to make money! - [5 Best Second-Chance Credit Cards With No Security Deposit](https://finmasters.com/5-best-second-chance-credit-cards-with-no-security-deposit/): Here is our list of the best second-chance credit cards with no security deposit. Can you get an unsecured credit card with bad credit? Yes. - [5 Surprising Benefits of Downsizing Your Home](https://finmasters.com/benefits-to-downsizing-your-home/): There are real benefits to downsizing your home, but be sure to consider all the angles before making your move. - [15 Banks That Don’t Use ChexSystems (And Credit Unions)](https://finmasters.com/banks-that-dont-use-chexsystems/): Here's a list of credit unions and banks that don't use ChexSystems. Stop getting denied for new checking accounts! - [How to Buy Starlink Stock](https://finmasters.com/how-to-buy-starlink-stock/): Starlink's rapid growth has investors wondering how to buy Starlink stock. Here are some possible ways to do it in 2025. - [Cash-Out Refinance vs HELOC (Home Equity Line of Credit)](https://finmasters.com/cash-out-refinance-vs-heloc/): Choosing between cash-out refinance vs HELOC depends on your goals and financial situation. Both offer ways to convert home equity into cash. - [How to Apply for a Personal Loan With a Co-Signer (in 9 Steps)](https://finmasters.com/personal-loan-with-a-co-signer/): Before you set out to qualify for a personal loan with a co-signer, it's essential to know the benefits and risks involved. - [What Is Upper Class? Is This Still a Thing?](https://finmasters.com/what-is-upper-class/): What is upper class? Many want to be rich yet aren't sure what it takes to be upper class. Let's learn more about it. - [15+ Personal Loan Statistics : Rates, Debt, Borrowers](https://finmasters.com/personal-loan-statistics/): These personal loan statistics tell us all: who is using these loans, how much they're borrowing, and how they're using the money. - [What Is Self-Directed Investing: The Pros and Cons Explained](https://finmasters.com/self-directed-investing/): Self-directed investing has the potential for high returns (and large losses), but most will find more success with passive investments. - [9 Best EV Stocks & ETFs](https://finmasters.com/best-ev-stocks/): Electric Vehicles (EVs) are a booming sector getting a lot of attention from investors. Here are some of the best EV stocks and ETFs. - [How to Buy Blue Origin Stock: Is It Actually Possible?](https://finmasters.com/how-to-buy-blue-origin-stock-is-it-actually-possible/): The billionaire space race is in the news and investors are wondering how to buy Blue Origin stock. Here's the score. - [How to Pay Rent Online: 10 Battle-Tested Payment Methods](https://finmasters.com/pay-rent-online/): You can pay rent online, but is it always a good idea? We look at the ways and means and the pros and cons of online rent payments. - [What Is an Accredited Investor? Your Answer in Plain English](https://finmasters.com/what-is-an-accredited-investor/): What is an accredited investor? You might have heard of it when looking into unregistered securities. Find out if you qualify. - [6 of the Absolute Best Portfolio Analysis Tools Compared](https://finmasters.com/6-of-the-absolute-best-portfolio-analysis-tools-compared/): You can't manage your portfolio effectively if you don't understand it. The best portfolio analysis tools are designed to help. - [Why You Shouldn't Buy a Timeshare (Probably)](https://finmasters.com/why-you-shouldnt-buy-a-timeshare/): High fees, inescapable contracts, and inflexible vacation experiences are just some of the reasons why you shouldn't buy a timeshare. - [Should Parents Buy Their Child a Car? Pros, Cons and Inbetweens](https://finmasters.com/should-parents-buy-their-child-a-car/): Should parents buy their child a car or let them pay for it themselves? Find out how to make the best decision for your circumstances. - [What Is Prop Trading? In Plain English](https://finmasters.com/what-is-prop-trading/): What is prop trading? Discover how it allows you to trade with someone else's money and whether it's the right fit for you. - [12 of the Best Tech Stocks & ETFs](https://finmasters.com/best-tech-stocks/): Tech is a sector that has been at the top of investor radar screens for decades. So what are the best tech stocks? Here are some picks. - [What Is an Expense Ratio? This Is What You Need to Know](https://finmasters.com/what-is-an-expense-ratio/): What is an expense ratio? It describes the annual fees you pay for investing in a mutual fund. These fees play a big role in overall returns. - [How Stores Trick You Into Spending More (And How Not to Fall for It)](https://finmasters.com/how-stores-trick-you-into-spending/): Stores use subtle strategies to influence your buying decisions. Here's how stores trick you into spending more than you planned. - [How to Make $10k Fast: 10 Practical Ideas](https://finmasters.com/how-to-make-10k-fast-10-practical-ideas/): What do you do when loans are not an option, and you need cash fast? Here are some safe and practical ideas on how to make $10k fast. - [Best Healthcare Stocks & ETFs](https://finmasters.com/best-healthcare-stocks/): Healthcare is one of the most resilient sectors in the entire economy. Here are some of the best healthcare stocks and ETFs. - [Is a Master's Degree Worth It?](https://finmasters.com/is-masters-degree-worth-it/): Is a master's degree worth it in today's economy? Given how expensive and time-consuming getting your master's can be. - [What Is UltraFICO? Here's What You Need to Know](https://finmasters.com/what-is-ultrafico-heres-what-you-need-to-know/): If you ever asked yourself, "what is UltraFICO?" don't worry as this post will help you learn more about it. - [What Are Personal Loan Origination Fees and How Do They Work?](https://finmasters.com/personal-loan-origination-fees/): Personal loan origination fees are upfront charges that come out of the loan balance when you receive a personal loan. - [401(k) Statistics: What Is the Average 401(k) Balance?](https://finmasters.com/average-401k-balance/): The 401(k) is a popular way to save for retirement. Let's look at the average 401(k) balance and other 401(k) statistics. - [15 Remote Jobs That You Can Do Without Experience](https://finmasters.com/remote-jobs-without-experience/): Is it possible to find remote jobs without experience? Yes! There are multiple job opportunities out there that don't call for experience. - [How Does a Personal Loan Affect Credit Score? This Is How](https://finmasters.com/how-does-a-personal-loan-affect-credit-score/): How does a personal loan affect credit score? Initially, it can cause a short-term dip, but if managed well the score will rise! - [13 of the Best Energy Stocks & ETFs to Look Into Today](https://finmasters.com/13-of-the-best-energy-stocks-etfs-to-look-into-today/): Energy is a huge, diverse, and vital industry. Here's an introduction and the best energy stocks for investors interested in this sector. - [9 Best Semiconductor Stocks & ETFs](https://finmasters.com/best-semiconductor-stocks/): Here's a list of some of the best semiconductor stocks. Semiconductors are vital components in an extraordinary range of products. - [How to Write a Medical Bill Dispute Letter (Template Included)](https://finmasters.com/medical-bill-dispute-letter/): Learn how to write a medical bill dispute letter and avoid paying more than you need to for medical procedures. - [How to Invest $100k to Make $1 Million](https://finmasters.com/how-to-invest-100k-to-make-1-million/): How to invest $100k to make $1 million? Not quickly. It takes time, patience, and more several possible methods to make it happen. - [Unveiling 6 Best Credit Cards Reddit Users Love Most](https://finmasters.com/best-credit-cards-reddit/): What are Reddit's best credit cards? Or, rather, Reddit users favorite cards and why? We scoured all the threads to find the answer. - [How to Invest in Real Estate with Little Money](https://finmasters.com/invest-in-real-estate-with-little-money/): Real estate investing is not just for the rich. Here are some ways to invest in real estate with little money. - [30+ Outsourcing Statistics You Need to Know](https://finmasters.com/outsourcing-statistics/): Wondering what the state of the outsourcing market is? Here are the most interesting outsourcing statistics you should know this year. - [How to Buy Twitter Stock , Really](https://finmasters.com/how-to-buy-twitter-stock/): Twitter's high visibility and the involvement of Elon Musk have investors wondering how to buy Twitter stock. Is it possible? - [11 of the Best Oil Stocks & ETFs](https://finmasters.com/best-oil-stocks-etfs/): Oil isn't going away, and many of the best oil stocks / ETFs have offered high dividends and substantial gains. Here are the best ones. - [Average Cost of Clothes Per Month: How Much Do We Spend?](https://finmasters.com/how-much-do-we-spend-on-clothing/): Many people wonder what the average clothing cost per month is. Here's a look at the data on how much we actually spend on clothing. - [How to Write a Medical Bill Negotiation Letter](https://finmasters.com/medical-bill-negotiation-letter/): Here is a template for a medical bill negotiation letter to help you write yours and successfully decrease your medical debt. - [35 Best Jobs for Seniors: Consider Them if You're Over 60](https://finmasters.com/jobs-for-seniors/): Many seniors want to work, either to add to their retirement income or just to stay busy. Here are some of the best jobs for seniors. - [11 of the Best Utility Stocks & ETFs to Look Into](https://finmasters.com/best-utility-stocks/): Utility stocks are known for their stability and solid dividends; some also offer solid growth potential. Here are the best utility stocks. - [Timeshare Exit Scams: How to Spot and Avoid Them](https://finmasters.com/timeshare-exit-scams/): Getting rid of a timeshare is difficult, and many desperate owners fall for timeshare exit scams. Can you avoid them? Here's how. - [8 Best Battery Stocks & ETFs to Watch](https://finmasters.com/8-best-battery-stocks-etfs-to-watch-in-2023/): Batteries are used in everything from watches to power grids, and demand is exploding. Here are the best battery stocks and ETFS. - [5 of the Best Real Estate Investment Apps Tested](https://finmasters.com/best-real-estate-investment-apps/): Discover the best real estate investment apps that make property investing accessible for everyone. Diversify your portfolio effortlessly. - [How to Make Money With Your Phone: 15 Ways That Work](https://finmasters.com/how-to-make-money-with-your-phone/): Wondering how to make money with your phone? There are at least 15 ways you can do that. Here's how each one works. - [How to Survive a Timeshare Presentation](https://finmasters.com/surviving-timeshare-presentation/): Looking for how to survive a timeshare presentation? Timeshares lure you in with enticing perks. Here's how to escape with an intact wallet. - [Looking for New Highs: An Analysis of the Cannabis Industry and Selected Companies](https://finmasters.com/cannabis-industry-analysis/): The cannabis industry has been forced to the periphery by its product's federal legal status. That could change at any time! - [How to Sell Plants Online From Home: A Case Study](https://finmasters.com/how-to-sell-plants-online-from-home/): If you have a green thumb and you love raising plants, you have a side hustle waiting for you! Here's how to sell plants online from home. - [5 Best Stock Picking Services Compared](https://finmasters.com/best-stock-picking-services/): Stock picking services provide vetted investment recommendations supported by analysis. Here are some of the best stock picking services. - [Why Is Timeshare Bad? And What's a Timeshare Anyway?](https://finmasters.com/why-is-timeshare-bad/): Why is timeshare bad? Is a timeshare an investment? Salespeople often tout it as a solid financial asset, but, in reality, it's just not true. - [10 Creative Ways to Make Money With a Drone](https://finmasters.com/make-money-with-a-drone/): Flying a drone can be a fun hobby, but it can also be a fantastic earning opportunity. Find out how to make money with a drone. - [Upstart Holdings (UPST) Stock Analysis](https://finmasters.com/upstart-holdings-upst-stock-analysis/): Upstart has seen its stock soar and crash, while the company moves forward with its unique and disruptive technology. - [How McDonald’s Makes Money](https://finmasters.com/how-mcdonalds-makes-money/): If you want to know how McDonald's makes money, look beyond Big Macs and Happy Meals, and instead examine the real estate it owns. - [100 Chores Kids Can Do for Money (Around the House)](https://finmasters.com/chores-kids-can-do-for-money/): If you are giving your kids an allowance, let them earn it. There are plenty of household chores kids can do for money. - [7 Best Prop Trading Firms Reviewed](https://finmasters.com/best-prop-trading-firms/): Here are some of the best prop trading firms you can look into. Prop trading can give you access to resources ordinary traders don't have. - [15 Best AI Stocks & ETFs to Pay Attention to This Year](https://finmasters.com/best-ai-stocks-and-etf/): AI is THE topic these days. But what about investing in AI? Here are the best AI stocks and ETFs to look into this year. - [Car Loan Statistics: Average Debt, Payment and Default Rate](https://finmasters.com/car-loan-statistics/): Car loans account for a significant portion of US consumer debt. These car loan statistics will tell you more about it. - [10 Top Quantum Computing Stocks and ETFs to Invest In](https://finmasters.com/quantum-computing-stocks/): With the interest in quantum technology ramping up, this may be the perfect time to learn about some of the best quantum computing stocks. - [How to Qualify for Medicaid or CHIP - We Take You Step-by-Step](https://finmasters.com/how-to-qualify-for-medicaid/): Health insurance requirements vary from state to state, which can be confusing. Here's how to qualify for Medicaid or CHIP. - [20 of the Highest-Paying Work-From-Home Jobs](https://finmasters.com/highest-paying-work-from-home-jobs/): These are some of the highest-paying work-from-home jobs available this year. Based on real data from reputable sources. - [Cool Company Ltd (CoolCo) (CLCO) Stock Analysis](https://finmasters.com/cool-company-ltd-coolco-clco-stock-analysis/): CoolCo is one of the few publicly traded companies focused exclusively on LNG shipping. Here's why that matters. - [US Car Sales Statistics: Brand, Model, Price, EVs](https://finmasters.com/car-sales-statistics/): These US auto sales statistics help us define and understand the state of the US motor vehicle market in 2023. - [Mercado Libre (MELI) Stock Analysis](https://finmasters.com/mercado-libre-meli-stock-analysis/): Mercado Libre dominates Latin America's fast-growing e-commerce and fintech sectors. This Mercado Libre stock analysis breaks it down. - [6 Best Timeshare Exit Companies : Reviews & Cost](https://finmasters.com/best-timeshare-exit-companies/): The timeshare exit business is riddled with scams and predators, but there are some credible players. View the best timeshare exit companies. - [Online Shopping Statistics & Trends](https://finmasters.com/online-shopping-statistics/): How big is e-commerce, and how fast is it growing? These online shopping statistics give a closer look at the trends. - [How to Qualify for SNAP and How Much Can You Get](https://finmasters.com/how-to-qualify-for-snap/): The Supplemental Nutrition Assistance Program (SNAP) helps families and individuals buy food. Here's how you can qualify. - [How to Get Out of a Timeshare Legally](https://finmasters.com/how-to-get-out-of-a-timeshare/): A timeshare can be an expensive liability, no matter how good the salespeople sound. Here's how you can get out of an unwanted timeshare. - [9 Best Silver Stocks & ETFs](https://finmasters.com/best-silver-stocks/): Silver is in high demand and production is below consumption. The best silver stocks are set to reap the benefits. - [Contemporary Amperex Technology Co. (CATL - 300750.SZ) Stock Analysis](https://finmasters.com/catl-stock-analysis/): CATL is the world's leading producer of EV batteries. Here's a closer look at the company and its investment potential. - [70+ Cheap Date Ideas: From First Dates to Golden Anniversaries](https://finmasters.com/cheap-date-ideas/): You don't have to spend a fortune to make an impression. Here's a list of 70+ cheap date ideas for the first date and all that come after. - [Pros and Cons of I Bonds: Are I Bonds a Good Investment](https://finmasters.com/pros-and-cons-of-i-bonds/): I Bonds offer a valuable hedge against inflation but are not for every investor. Consider these pros and cons of I Bonds before investing. - [20 Best Side Hustles for College Students](https://finmasters.com/best-side-hustles-for-college-students/): Students always need money, and the best side hustles for college students provide ways to earn it with a flexible schedule. - [Average Retirement Savings: By Age, State, Income & Race](https://finmasters.com/average-retirement-savings/): What is the average American retirement savings balance? Our retirement statistics look at the current state of retirement savings in the US. - [9 Best Food Stocks & ETFs](https://finmasters.com/best-food-stocks/): There are few sectors more basic - and more resilient - than food. The best food stocks give diversified exposure to this key industry. - [401(k) Loan vs. Personal Loan: Which Is Best for You?](https://finmasters.com/401k-loan-vs-personal-loan/): Personal loans and 401(k) loans can both solve an urgent financial problem. 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Here are some top picks. - [Average Salary in the US: By Age, Gender, Race and State](https://finmasters.com/average-us-salary/): How much do Americans earn? It varies widely with location, but these average US salary statistics give a general idea. - [Applied Materials (AMAT) Stock Analysis](https://finmasters.com/applied-materials-amat-stock-analysis/): Applied Materials (NASDAQ:AMAT) is the dominant provider of equipment to the semiconductor industry. Here's a closer look. - [Average Credit Card Debt in the USA : Facts & Figures](https://finmasters.com/average-credit-card-debt/): How much do Americans owe on their cards, and how has that changed? 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Here's what you need to know. - [How Do Taxes Work? | Understanding Taxes for Individuals](https://finmasters.com/how-do-taxes-work/): America's tax code is notoriously complex. Have you ever wondered how exactly your taxes work? Here's what you need to know! - [How to Start a Business While Working Full-time (And Replace Your Job)](https://finmasters.com/start-a-business-while-working-full-time/): Most Americans would love to work for themselves but struggle to start a business while working full-time. Here's how you can pull it off. - [Thin Credit Files: What They Are and How to Fix Them](https://finmasters.com/thin-credit-file/): You might have a thin credit file and not even know it. Let’s take a closer look at what it is and what you can do about it. - [Alternative Investments: What Are They, Types, Pros & Cons](https://finmasters.com/alternative-investments/): Alternative investments can generate serious returns, but they also pose serious risks. 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Here's what you need to know! - [Personal Finance in Chicago, USA: How One Student Lives on $30K-$40K/Year](https://finmasters.com/budgeting-chicago/): We're looking at how a single college student from Chicago manages their monthly finances on an average annual income of 30K-40K. - [How to Get Free Legal Help: Navigating the Legal System on a Budget](https://finmasters.com/free-legal-help/): Free legal help can be a lifesaver if you're facing legal action and you can't afford a lawyer. Here's where to look! - [Risk Tolerance: How to Assess Your Tolerance for Risk in Investing](https://finmasters.com/how-to-calculate-your-risk-profile/): Managing risk is a core part of investing. Understanding your risk tolerance is the starting point of risk management. So let's get started. - [Does Paying Your Utility Bills Affect Your Credit Score?](https://finmasters.com/utility-bills-credit-score/): How paying your utility bills affect your credit score, alternative data, and other strategies to boost your credit score. - [How to Start Investing In Real Estate: Six Top Strategies](https://finmasters.com/how-to-start-investing-in-real-estate/): Investing in real estate is a time-tested way to put money to productive use. Here are the best ways you can start investing in real estate. - [Budgeting Down Under: We Talk Personal Finance With a Family of 3 in Brisbane, Australia](https://finmasters.com/budgeting-brisbane/): See how one family with a teenage kid from Brisbane, Australia manages their household budget on an income of AU$10,000 per month. - [How to Get a Free Credit Report](https://finmasters.com/free-credit-report/): Explore all the ways you can get your credit report free of charge, all the ways you can request it, and which services to stay away from. - [Best Personal Finance Software](https://finmasters.com/best-personal-finance-software/): Need help budgeting, investing, or doing your taxes? We'll help you find the right personal finance software to meet your financial goals. - [How to Retire Early: The Shockingly Simple Path to Freedom](https://finmasters.com/how-to-retire-early/): Financial independence has the power to set you free. And it’s never been more attainable! Read this guide to learn how to retire early. - [How to Dispute Information On Your Credit Report](https://finmasters.com/dispute-a-credit-report-entry/): Credit report errors can hammer your credit score. Learn how to dispute a credit report entry and get those errors removed! - [The Dangers of Relying on P/E Ratios](https://finmasters.com/the-dangers-of-relying-on-p-e-ratios/): Value investors like to focus on companies with low P/E ratios. Here's why I think that relying on P/E ratios alone is not a good idea. - [How a Family of 4 From Bucharest (Romania) Lives on 4,000 EUR/Month](https://finmasters.com/budgeting-bucharest/): See how one family with two kids from Bucharest, Romania manages their budget on an income of 4000 EUR per month. - [How Long Does Information Stay on Your Credit Report?](https://finmasters.com/how-long-do-items-stay-on-my-credit-report/): Wondering how long certain items can stay on your credit report? 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Why does a trip to the ER cost so much, and how can you mitigate those costs in future visits? - [What Credit Score Do I Need? The Complete Guide](https://finmasters.com/what-credit-score-do-i-need/): Are you currently wondering: "What credit score do I need for this?" If so, this guide probably has your answer. Take a look! - [Teaching English With VIPKid: How to Earn Full Time Pay Without Ever Changing Out of Your PJ’s](https://finmasters.com/teaching-english-with-vipkid/): Interested in teaching English with VIPKid? Teacher Michael shares everything you need to know to start teaching English online! - [Learn How Your Credit Score Is Calculated - 5 Key Factors](https://finmasters.com/how-is-my-credit-score-calculated/): Knowing how your credit score is calculated is the first step toward improving it. Here's what you need to know to understand that number. - [WallStreetZen Review: A Free and Sleek Data Platform](https://finmasters.com/wallstreetzen-review/): Understanding stocks and their metrics can be difficult. Check out our WallStreetZen review and learn more about this convenient tool. - [The Rise of Meme Stocks: How Viral Trading Hit High Gear in Early 2021](https://finmasters.com/the-rise-of-meme-stocks/): Meme stocks are the talk of the town. Traders are piling in, social media are buzzing, money is being made. But where is it all going? - [IRS Free File: How It Works & Provider Comparison](https://finmasters.com/irs-free-file/): Are you tired of having to pay someone just to hand more of your money to the government? The IRS Free File Program can help! - [What Is Student Loan Refinancing and How Does It Work](https://finmasters.com/student-loan-refinancing/): Get all the answers to your questions on how student loan refinancing works, whether they are federal, private, or a combination of both. - [Investing for Beginners: A Complete Guide](https://finmasters.com/investing-for-beginners/): Investing for beginners may appear complex, but it's still the best way to build wealth over the long term. Here's what you need to know. - [Can Medical Bills Affect Your Credit Score?](https://finmasters.com/can-medical-bills-affect-your-credit-score/): Medical debt has unique features that determine its impact on your credit. Let's take a closer look at how medical bills affect your credit. - [What Is Credit Monitoring and Do You Actually Need It?](https://finmasters.com/credit-monitoring/): Credit monitoring services can give you a vital early warning of identity theft. Here's how you can use them to protect yourself. - [What Are Tax-Advantaged Retirement Accounts?](https://finmasters.com/tax-advantaged-retirement-accounts/): Learn all about different types of tax-advantaged retirement accounts without all the complicated financial jargon. - [Why Co-signing on a Credit Card Is a Bad Idea](https://finmasters.com/co-sign-a-credit-card/): What are the pros and cons of becoming a co-signer? And should you do it? Before you co-sign a credit card or loan you'll want to read this! - [How to Rebuild Credit: 8 No-Nonsense Strategies That Work](https://finmasters.com/how-to-rebuild-credit/): Has your credit been damaged? If so, read what real-world strategies you can apply to rebuild credit and repair your credit score. - [Roth vs. Traditional Retirement Accounts: What’s the Difference?](https://finmasters.com/roth-vs-traditional/): Are you struggling to decide whether to contribute to Roth or a traditional retirement account? Start by learning how they are different. - [8 Best Ways to Build Credit at 18](https://finmasters.com/how-to-build-credit-at-18/): If you start building credit at 18 you'll have more financial options in the future. Here are 8 ways to build credit at 18. - [Stock Investing for Beginners: A Quick-Start Guide](https://finmasters.com/stock-investing-for-beginners/): Stock investing can seem intimidating, but it's still one of the best ways to grow your money. Here's what you need to know to get started. - [How to Spot Debt Relief and Credit Repair Scams](https://finmasters.com/debt-relief-and-credit-repair-scams/): A person deep in debt is an attractive target for scammers. Take a look at common debt relief and credit repair scams and ways to avoid them. - [Pink Tax: The Cost of Being a Woman](https://finmasters.com/pink-tax/): The pink tax has emerged has become an object of some controversy. Is it real? And if it is, is it justified? Let's take a closer look. - [Your 401(k) Is a Scam! You’ve Seen the Claim, but Is It True?](https://finmasters.com/401k-is-a-scam/): The 401(k) is a scam! You may have seen that claim online, but is it true? Here's what you need to know before choosing a retirement account! - [Beginner's Guide to Mutual Fund Investing](https://finmasters.com/mutual-fund-investing-for-beginners/): Interested in mutual funds? Let’s look at what they are and why mutual fund investing is so appealing to new investors. - [401(k) Alternatives: 6 Best Options to Consider](https://finmasters.com/401k-alternatives/): If you don't have access to a 401(k) (or if you'd prefer not to use one), these are some of the the best 401(k) alternatives. - [Credit Score Ranges: What They Mean and Why They Matter](https://finmasters.com/credit-score-ranges/): Credit score ranges are as important to understand as the actual credit score itself. Find out what makes these categories so important. - [Filing Taxes for the First Time? Here's What to Do!](https://finmasters.com/filing-taxes-for-the-first-time/): Filing taxes for the first time can be intimidating, but for most first-time filers the process is relatively simple. Here's what to do! - [How to Invest in Bonds: A Complete Guide](https://finmasters.com/how-to-invest-in-bonds/): If you want to learn how to invest in bonds but don't know where to start, you've come to the right place. - [Getting a Mortgage When Self Employed: The Complete Guide](https://finmasters.com/mortgage-when-self-employed/): It's not always easy to get a mortgage if you are self-employed. However, you can greatly increase your chances with a little planning. - [How to Write a Debt Settlement Letter (With Sample)](https://finmasters.com/debt-settlement-letter/): A debt settlement letter is the first step toward any debt settlement. If you have decided to pursue debt settlement, here's where to start! - [Chapter 7 vs. Chapter 13 Bankruptcy: 12 Differences You Need to Know](https://finmasters.com/chapter-7-vs-chapter-13-bankruptcy/): Chapter 7 vs Chapter 13 is a key question if you're considering bankruptcy. Here's a simple explanation of the differences. - [Dog Sitting With Rover: How I Make $1000 a Month (and How You Can Too)](https://finmasters.com/rover-dog-sitting/): Looking to make money dog sitting with Rover? It’s been pretty easy for me to earn over $1000 a month with a side job that doesn’t even seem like work. - [17 Ways to Get Help Paying Medical Bills](https://finmasters.com/help-paying-medical-bills/): With medical bills on the rise, you may be wondering how to get help paying medical bills. We've got solutions that can help. - [The Best Days to Shop in 2025](https://finmasters.com/best-days-to-shop/): Want to know the best days to shop in 2025? Find out when are the best sales, when to get freebies, and what to buy each month. - [13 Tips for How to Pay Off Your Student Loan Debt](https://finmasters.com/pay-off-student-loan-debt/): If you want to know how to pay off student loan debt, use these practical and personal strategies to get your debt tackled sooner than later. - [What Happens If You Don’t File Or Pay Your Taxes?](https://finmasters.com/dont-file-or-pay-taxes/): Are you wondering what happens if you don't file or pay your taxes? It depends on how quickly you address the mistake. Here's what you need to know! - [Are Long Term Auto Loans Worth It?](https://finmasters.com/long-term-auto-loans/): Long term auto loans can help you get your dream car or make room in your budget for other things. But are they really worth it? - [Buying a House After Bankruptcy: The Definitive Guide](https://finmasters.com/buying-a-house-after-bankruptcy/): Buying a house after bankruptcy will be challenging for most people. But if you make the right moves you can do it too! - [What Is Bankruptcy and How Does It Work?](https://finmasters.com/what-is-bankruptcy/): Bankruptcy is a legal process governed by federal law that can clear most forms of unsecured debt. Learn what bankruptcy is and how it works. - [Federal Tax Revenues: Where Does the Money Come From?](https://finmasters.com/federal-tax-revenues/): In 2021, the US government took in $4.0 trillion dollars in federal tax revenues. Have you ever wondered where does that money come from? - [Warren Buffett’s Equity Bond Method Explained](https://finmasters.com/warren-buffett-equity-bond-method/): Buffett views the earnings yield of a stock the same as he would the yield of a bond, hence the name Equity Bond. - [Boss Makes a Dollar, I Make a Dime, That's Why I Work for ME in My Free Time](https://finmasters.com/boss-makes-a-dollar-i-make-a-dime/): In your free time, you shouldn't be working for your boss. Instead, work for yourself. The boss makes a dollar while you make a dime. - [How to Get Out of Debt for Good: The 5-Step Debt-Elimination Plan](https://finmasters.com/how-to-get-out-of-debt/): Get out of debt by taking these 5 steps. It's not going to be easy, but your goal of getting out of debt can become a reality. - [How to Get Paid to Lose Weight and Should You Try It?](https://finmasters.com/get-paid-to-lose-weight/): If weight loss is one of your health goals, getting paid to lose weight might sound like a dream come true. But does the reality measure up? - [Debt Settlement: How It Works, Pros & Cons](https://finmasters.com/debt-settlement/): Are you desperate to erase your debts and start fresh? Debt settlement might be the way to do it! Here's what you need to know. - [100+ Budget Categories to Help You Start Your Budget](https://finmasters.com/budget-categories/): Creating a budget? To help you get started we compiled a list of 110 budget categories typically found in an average household. - [What Is Debt Consolidation and How to Consolidate Debts](https://finmasters.com/debt-consolidation/): What is debt consolidation? Is debt consolidation right for you? Let's look at some common questions about this method of debt management. - [Life After Bankruptcy: How to Rebuild Your Credit and Your Finances](https://finmasters.com/life-after-bankruptcy/): Life after bankruptcy can be tough. Here are some things you need to know about recovering financially after bankruptcy. - [Estate Planning Essentials: Secure Your Legacy Now](https://finmasters.com/estate-planning/): Estate planning is complicated, and one false move can be extremely costly. Even if you aren't rich, you need to understand the process. - [Paying Off a Loan Early: Pros & Cons](https://finmasters.com/paying-off-loan-early/): Should you be paying off a loan early? It might be a good idea and it might not be. Let's consider some factors to help you decide. - [What Daniel Kahneman Thinks Investors Should Know](https://finmasters.com/daniel-kahneman-investors/): Daniel Kahneman gives a great breakdown of 6 cognitive biases and illusions that affect both our everyday lives and our investing success. - [How Much Can You Save in a Year?](https://finmasters.com/how-much-can-you-save-in-a-year/): To show you how much you can save in a year, here are 10 strategies to save money and a breakdown of savings on a monthly and annual basis. - [Credit Secrets Book Review](https://finmasters.com/credit-secrets-book-review/): You've heard of the book Credit Secrets. But can it help you, and is it worth the cost? Find out in this Credit Secrets book review. - [Chase Credit Journey Review: Free Credit Score and More!](https://finmasters.com/chase-credit-journey-review/): Chase Credit Journey provides free credit scores, credit monitoring, and more. Here's what it can - and can't - do for you. - [12 Best Rent Reporting Services](https://finmasters.com/best-rent-reporting-services/): Not all rent reporting services are created equal. To maximize your credit score increase you need to choose the best rent reporter for you. - [How I Raised My Credit Score Over 100 Points With Fingerhut](https://finmasters.com/fingerhut-improved-credit-score-100-points/): Are you looking for a free tool to help boost your credit? I'll explain exactly how Fingerhut helped raise my credit score over 100 points. - [How to Delete Portfolio Recovery From Your Life](https://finmasters.com/portfolio-recovery/): Learn how to remove Portfolio Recovery Associates collections from your credit report and stop their calls. It's way easier than you think! - [How Much Does It Cost to Die In America?](https://finmasters.com/how-much-does-it-cost-to-die-in-america/): Funeral costs are an important part of financial planning. Knowing your options can give you and your family peace of mind about the future. - [How to Save Money as a Kid and Become a Savings Pro](https://finmasters.com/saving-money-kids/): It's never too soon to start saving money. If you're earning your own money, getting gifts from relatives, or both, try these ways to save! - [Best Budgeting Tools (Free & Paid)](https://finmasters.com/best-budgeting-tools/): Your budget is the backbone of your financial strategy, and the right budgeting tools can make budgeting easier. Check out these options! - [Budgeting Methods: 5 Types of Budgets Explained](https://finmasters.com/budgeting-methods/): Choosing a budgeting method is the core of financial management. Look at these budgeting methods and choose the one that suits you best! - [How to Earn Money as a Kid: Top Advice for "Kidpreneurs"](https://finmasters.com/how-to-earn-money-as-a-kid/): Looking for ways how to earn money as a kid? Here are the top age-appropriate and safe ways for kids to earn money. - [What Is Credit Counseling and How Does It Work](https://finmasters.com/credit-counseling/): Learn about the ins and outs of credit counseling and how it can help you manage debt and improve your financial health. --- ## Pages - [Example](https://finmasters.com/example/) - [DIY Credit Repair Kit](https://finmasters.com/diy-credit-repair-kit/): Our DIY Credit Repair Kit includes the 9-step credit repair action plan and 17 letter templates you'll need to repair your credit. - [Bill Tracker Template (Spreadsheet & Printable)](https://finmasters.com/bill-tracker-template/): Use our bill tracker template to organize and keep track of all your bills. Track due dates, amounts, and dates paid for various expenses. - [Compound Interest Calculator](https://finmasters.com/compound-interest-calculator/): You can use our free compound interest calculator in order to understand the impact of compound interest on your investments. - [Stock Research Reports](https://finmasters.com/stock-research-reports/): Discover investment options that are not widely discussed, often in sectors that are out of fashion and getting minimal attention. - [Home](https://finmasters.com/): Master your finances and reach your goals. We offer expert-driven advice and resources to help you earn, save and grow your money. - [Blog](https://finmasters.com/blog/): Weather you're looking for financial advice, news or research, you can find everything right here on our blog. 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Simply enter two stocks or funds to compare. - [Free Monthly Budget Spreadsheet Template (Excel & Google Sheets)](https://finmasters.com/monthly-budget-spreadsheet-template/): If you're looking for an elaborate budgeting template here's our free monthly budget spreadsheet template. Excel and Google Sheets included! - [Editorial Policy](https://finmasters.com/editorial-policy/): Our editorial policy guides us in creating accurate, unbiased and actionable content that serves our readers first. - [Financial Health Calculator](https://finmasters.com/financial-health-calculator/): Try our financial health calculator and see how your score compares with the rest of the country. Get your health score in less than a minute. - [Introducing Stock Spotlight](https://finmasters.com/introducing-stock-spotlight/): Stock Spotlight is a newsletter built on the principles of value investing. 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