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Amelia Josephson

Mortgage, Home Buying and Credit Card Expert

Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.

Posts by Amelia Josephson:

by Amelia Josephson Jul 18, 2019

If you’re new to investing, you may not have settled on a particularly investing strategy. While experts say that many people can get away with investing in low-fee index funds rather than trading stocks in individual companies, some people enjoy deciding which company shares to buy. These active investors tend to self-identify as either growth investors or value investors.  Read more

by Amelia Josephson Oct 01, 2022

Who wouldn’t want to live in the paradise that is Hawaii? People who don’t like a high cost of living, for one. According to the Missouri Economic Research and Information Center, Hawaii’s cost of living is the highest of any of the 50 states. So while Hawaii offers beautiful surroundings and rich culture, it’s not a cheap place to live. If you’re intent on moving there, though, perhaps a financial advisor could help you manage these costs. Read more

by Amelia Josephson Nov 11, 2015

When it comes to investing there are different schools of thought. Your investing strategy and asset allocation will depend on what you hope to get out of your investments. Are you looking to score deals on under-valued stocks or find companies that are on their way up? Let us explain how growth investing works and its potential pros and cons for the average investor.  Read more

by Amelia Josephson Nov 06, 2015

Did you know that there’s a way to deduct up to half of your income at tax time? But there’s a catch: You have to make a cash donation to a qualified charity. If you donate shares or other non-cash… Read more

by Amelia Josephson May 16, 2019

Considering a move to Phoenix? You’re probably wondering whether you can afford to settle there. Our guide to the cost of living in Phoenix highlights low housing costs, low rent rates and low income… Read more

by Amelia Josephson Jul 09, 2018

Winter is coming. That’s right, another season of snow, cold and darkness is on its way. If you can’t get out of winter by flying south, get into winter by making the best of the season. One way to… Read more

by Amelia Josephson Jun 11, 2018

Personal training is a growing field. According to IBISWorld research, the personal training industry grew 2.5% between 2010 and 2015. It employs 259,029 people and includes 60,704 businesses. The… Read more

by Amelia Josephson Jul 10, 2019

Philadelphia, the City of Brotherly Love, offers both colonial charm and modern attractions. As far as cost of living goes, Philadelphia isn’t as expensive as bigger cities like New York or San… Read more

by Amelia Josephson Jul 18, 2019

If you scan the financial news you may see a reference to “shadow banking.” It’s a term that can apply to a range of activities, from unregulated activity by banks to lending by non-bank institutions… Read more

by Amelia Josephson Aug 16, 2018

When you think “golf” do you think executives doing business on the links or wealthy retirees? If so, you might have a good reason for associating golf with money. The sport is big business, from the… Read more

by Amelia Josephson Jun 25, 2018

Many Americans are wrestling with the decision of whether to rent or buy. But what do you do if your lack of savings puts buying out of reach? You continue renting, but you’re vulnerable to rising… Read more

by Amelia Josephson Oct 01, 2022

When you think of Dallas, perhaps you think of Dallas Cowboys football, or maybe you’re reminded of the soap opera that shares its name, which ran for 14 seasons. If you’re thinking of moving to… Read more

by Amelia Josephson Apr 25, 2022

Writing checks isn’t as common as it used to be. Many of us rely on our credit cards, direct debit and cash to make the payments in our lives. For some people, a monthly rent check is the only check… Read more

by Amelia Josephson Jun 27, 2017

When it comes to personal finance, it’s natural to wonder how you compare to others. Want to know if your credit score is average? You’ve come to the right place. The good news is that American… Read more

by Amelia Josephson Jun 25, 2018

What would you do if you had to come up with bail money for yourself or a loved one? You may never have thought about this question before, but it’s an important one. According to a Federal Reserve… Read more

by Amelia Josephson Jul 10, 2019

From 2010 to 2017, the population of Miami grew by 15.6%, rising from 400,864 to 463,347. If you’re moving to Miami, you should have a good idea of whether you can afford to relocate to the Sunshine… Read more

by Amelia Josephson Jul 10, 2019

A stroll through the streets of Boston is a stroll through American history, and you can enjoy walking on cobblestone streets where the Founding Fathers once stepped. You can also take advantage of… Read more

by Amelia Josephson Oct 01, 2015

The money market is a market in fixed-income securities. Like other fixed-income securities markets (the bond market, for example), the money market is a stable place to put your money but it’s not a… Read more

by Amelia Josephson Sep 28, 2022

If you’re thinking about moving to the nation’s capital, you’re probably wondering whether you can afford to settle down there. Home prices in the District are notoriously high, but there’s more to… Read more

by Amelia Josephson Dec 04, 2017

If you’re in the market for private student loans you’ll likely consider getting a Sallie Mae loan. Sallie Mae no longer services federal loans. Instead, it originates and services private student… Read more

by Amelia Josephson Jul 23, 2019

A certificate of deposit (CD) is an example of a low-risk, low-return place to stash your money. CDs are offered by banks and credit unions. Like bonds, they have maturity dates. You buy a CD with a… Read more

by Amelia Josephson Sep 28, 2015

Being a doctor comes with prestige and status in our society. It can also come with a heavy load of student debt. While some doctors go on to earn enough to pay off their student loans in short order… Read more

by Amelia Josephson Sep 25, 2015

If you’re juggling a handful of student loans from your college or graduate school days, the idea of consolidating to a single loan with a single payment may sound like a great deal. Before you rush… Read more

by Amelia Josephson Sep 30, 2022

Considering a move to Sin City? While it’s common to blow a bit of money on a fun-filled weekend in Las Vegas, anyone settling there for the long haul will want to follow a more sustainable spending… Read more

by Amelia Josephson Sep 23, 2015

Banks are both borrowers and lenders. That means they pay interest (on customers’ deposits) and collect interest (on mortgages and other loans). The difference between the interest a bank collects… Read more