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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 Apr 29, 2022

Robo-advisors are quite popular due to their low fees and simple, hands-off investment approach. But as more robo-advisors come about, the harder it becomes to figure out which one you should go with. To help you decide, SmartAsset created this list of the top robo-advisors for 2022. Look through each company’s fees, minimum initial investments and other services to help you decide which is best suited to your needs. Would you prefer more hands-on help with your investments? Talk to a local financial advisor today. Read more

by Amelia Josephson Jun 11, 2018

A secured loan is a loan that is backed by collateral. A borrower can secure a personal loan with an asset like a savings account, a car or home equity. If you need money to help you pay off a debt or invest in your home you may be looking at personal loans. So how do you decide if a secured or unsecured loan is right for you? We’ll help you weigh the pros and cons.  Read more

by Amelia Josephson Jun 19, 2018

There are many reasons someone might find herself in need of an emergency loan. If you’re living paycheck to paycheck, one unexpected medical bill or car repair can be a disaster. An emergency loan can help bridge the gap. The trick is to find a loan that you can afford. Some emergency loans have interest rates so high they can do more harm than good. Read more

by Amelia Josephson Jan 25, 2017

Many Americans have income that fluctuates from week to week. When incomes are unsteady, any unexpected expense can leave you coming up short. If you don’t have a fully funded emergency fund, you may… Read more

by Amelia Josephson Sep 08, 2022

If you’re wondering what’s a normal amount of retirement savings, you’re probably one of the 60% of Americans who either don’t think their savings are on track or aren’t sure, according to the… Read more

by Amelia Josephson Jan 20, 2017

Wondering how to get a personal loan? You’re in the right place. There are many reasons a personal loan might seem like the right move. If you’ve got a big medical bill outstanding, some high… Read more

by Amelia Josephson Jan 20, 2017

New start-ups have disrupted the personal loan industry. The result? More options for peer-to-peer lending. Now, despite the name, to get a personal loan from a peer-to-peer lending site you don’t… Read more

by Amelia Josephson Jan 20, 2017

The average cost of a wedding keeps rising. The cost of wining and dining two families and two sets of friends is often a major expense. Add in formalwear, rings, flowers, favors and a rehearsal… Read more

by Amelia Josephson Sep 30, 2022

We all have a sense that more income and less debt are both good things. But what’s the ideal ratio between income and debt? If your debt-to-income ratio is too high, any shock to your income could… Read more

by Amelia Josephson Jun 19, 2018

Getting a cash advance is not generally anyone’s Plan A. If you find yourself coming up short one month, you might need cash in a hurry. While a credit card cash advance is probably not the best way… Read more

by Amelia Josephson Oct 25, 2019

Most people are looking for ways to save enough money for retirement. One of the best ways to do that is through earning interest — money you get in exchange for lending your money or storing it with… Read more

by Amelia Josephson Aug 02, 2019

Trading binary options is a little different than regular trading. With binary options you are answering a yes or no proposition about whether an asset will hit a certain price at a certain time.… Read more

by Amelia Josephson Oct 01, 2022

There are a number of ways to invest in silver, from buying the actual precious metal to investing in a fund that buys it for you. Commodities like silver are a favorite investment of those who don’t… Read more

by Amelia Josephson Jan 08, 2020

Oil. You may have heard that it’s a non-renewable resource. And you already know how much the global economy depends on it. So won’t the price of oil keep rising, you ask? In this article we’ll go… Read more

by Amelia Josephson Oct 01, 2022

Negotiating a loan with a friend or family member can be a great alternative to high-interest forms of consumer credit. Formalizing that loan in a personal loan agreement isn’t unfriendly – it’s the… Read more

by Amelia Josephson Aug 02, 2019

FOREX trading, or trading in foreign currencies, is big business. For the average investor, though, FOREX trading is not necessarily needed as a step to reaching financial goals like saving for… Read more

by Amelia Josephson Jan 12, 2021

If you’re wondering how to invest your money in stocks, you must be thinking about building your wealth. Just having that intention is a step in the right direction. After all, no one ever… Read more

by Amelia Josephson Oct 17, 2017

A low credit score is more than just a number. It affects the interest rate you’ll pay on a home mortgage – and whether you can get a mortgage at all. If your credit score is lower than you’d like,… Read more

by Amelia Josephson Jul 23, 2019

When most people think about buying “stock,” they’re thinking about common stock. But did you know that there’s another class of stock called preferred stock? Well, now you do. When you buy preferred… Read more

by Amelia Josephson Sep 06, 2018

Publicly traded companies can decide what to do with profits. They can reinvest them to grow the company and raise share prices or they can pay some of their profits to shareholders as dividends. A… Read more

by Amelia Josephson May 29, 2015

When most people think of employee benefits, they think of health insurance, 401(k)s, and maybe some free food. But for folks at the top of their fields, benefits may include stock options. If you’ve… Read more

by Amelia Josephson Sep 09, 2019

Looking for a reliable and steady source of investment income? Maybe you’re getting closer to retirement and looking to take some risk out of your 401(k). Or maybe you have a low risk tolerance that… Read more

by Amelia Josephson Mar 25, 2017

Are you factoring Social Security benefits in to your retirement planning? If so, you should know the basics of Social Security eligibility and payments. That way, you won’t get any unpleasant… Read more

by Amelia Josephson Feb 02, 2021

An “option” in the finance world entitles the holder of the option to buy or sell an asset at a pre-determined price, on or before a certain date. The buyer pays a premium for the option, and may… Read more

by Amelia Josephson Sep 14, 2022

Equities are the same as stocks, which are shares in a company. That means if you buy stocks, you’re buying equities. You may also get “equity” when you join a new company as an employee. That means… Read more