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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 25, 2022

Arizona is one of the fastest growing states in the U.S. From July 2020 to July 2021, its population rose to 7.28 million from 7.18 million, a 1.4% growth rate, which lagged only Texas and Florida. Are you considering moving to the Grand Canyon State? Maybe you’re drawn by the beautiful mountains or the low cost of living. If so, here are 15 things you should know about the state before you go. Consider working with a financial advisor to be sure you thoroughly evaluate all your options and resources for a move. Read more

by Amelia Josephson Oct 11, 2016

In most cases, when you own a piece of property you have both “surface rights” and “mineral rights.” That means you have a right to build (or not) on the land, and rights to what lies beneath the surface of the land, too. If there’s oil, coal or natural gas below the surface of the land on your property, you may be approached about selling your mineral rights.  Read more

by Amelia Josephson May 21, 2018

Do you recycle in your home or office? How about when you’re out on the street or in a park? The recycling rate in the U.S. is around 34% and has been for years. The country has struggled to reach recycling rates seen in other developed countries. For a detailed look at the issue, let’s examine some of the pros and cons of recycling.  Read more

by Amelia Josephson Feb 28, 2022

Almost 11 million people live in North Carolina, a fast-growing state with highly productive pockets such as the Research Triangle. The Tar Heel State combines natural beauty with technological… Read more

by Amelia Josephson Oct 05, 2016

A credit card grace period gives you a chance to pay your credit card bill before interest and fees kick in. There’s always a little time between when your billing cycle ends and when your payment is… Read more

by Amelia Josephson Apr 14, 2021

A Ponzi scheme is a kind of investment scam in which investors of longer standing are paid with the buy-in contributions of newer investors. To avoid collapse, a Ponzi scheme must secure a continual… Read more

by Amelia Josephson May 18, 2018

Outsourcing is a hot-button issue in U.S. politics. Politicians and economists want American businesses to increase their profits but some oppose outsourcing as a means to this end. Does outsourcing… Read more

by Amelia Josephson Apr 12, 2022

Oregon’s population hit the 4.25 million mark in 2022. According to the Census Bureau, the state’s population grew by 10.6% between 2010 and 2020. This is faster than the nation’s growth rate of 7.4%… Read more

by Amelia Josephson Jan 11, 2022

Representation in civil lawsuits doesn’t come cheap. In the best-case scenario, you’ll be awarded money at the end of either a trial or a settlement process. But before you blow your settlement, keep… Read more

by Amelia Josephson May 06, 2019

SEPP, which stands for substantially equal periodic payments, is a little-known program that can enable you to withdraw money from your IRA or 401(k) before age 59.5 without facing an early… Read more

by Amelia Josephson Sep 23, 2016

We seem to have a fascination with the net worth of celebrities, but the wealthy aren’t the only ones whose net worth is of interest. It’s a good idea to know your own net worth so you can assess the… Read more

by Amelia Josephson Apr 12, 2022

Texas boasts impressive job growth, diverse cities and energy boomtowns. Add the rich culture and the relatively affordable housing and it’s no wonder people are flocking to the Lone Star State. The… Read more

by Amelia Josephson May 21, 2018

Unions are controversial in the U.S. – more controversial, in fact, than they are in other countries. Here in the States, some people tout unions as essential to a strong working class, while others… Read more

by Amelia Josephson Apr 12, 2022

Free college has become a mainstream topic in political debates across the country. Should every American be able to get a bachelor’s degree at no cost? What are the pros and cons of free college? If… Read more

by Amelia Josephson Oct 07, 2021

The Sunshine State is a popular destination for those who want to move to warmer climes. Larger cities like Orlando even have some of the top financial advisor firms in the region, helping you to… Read more

by Amelia Josephson Mar 18, 2021

If you have a pension, you’re one of the lucky ones. Defined benefit retirement plans like pensions are increasingly rare, having been largely replaced by defined contribution plans like the 401(k).… Read more

by Amelia Josephson Mar 18, 2020

Investors often consider a company’s debt-to-equity ratio when evaluating the stock. If the number is roughly 4, it means that for every shareholder dollar, there is $4 of debt. What’s high or low,… Read more

by Amelia Josephson Sep 17, 2018

APR stands for annual percentage rate. The APR on a loan or debt gives you a more complete picture of how the debt will accumulate than you would get from the interest rate alone. But what is a good… Read more

by Amelia Josephson Apr 20, 2022

Colorado has attracted many new residents who are drawn to the high quality of life in the state. The combination of job opportunities, beautiful weather, scenic views and a culture of wellness has… Read more

by Amelia Josephson Jan 08, 2020

NAFTA, the North American Free Trade Agreement, removed many tariffs and other barriers to trade between the U.S., Mexico and Canada. Since then, trade between the three countries has increased… Read more

by Amelia Josephson Nov 28, 2018

America’s 49th state is famous for its natural beauty. It’s on a lot of bucket lists as a travel destination, but what’s it like to live there? If you’re thinking about moving to Alaska, it’s helpful… Read more

by Amelia Josephson Dec 10, 2019

If you’ve ever taken a look at your pay stubs you’ve probably noticed your employer’s tax withholding. Based on the W-4 form that you submit when you start a new job or your tax situation changes,… Read more

by Amelia Josephson Aug 04, 2022

P/E ratio, or price-to-earnings ratio, is a quick way to see if a stock is undervalued or overvalued. And so generally speaking, the lower the P/E ratio is, the better it is for both the business and… Read more

by Amelia Josephson Apr 07, 2022

When you go to the polls to vote for a president every four years, you’re participating in an indirect vote. Why is it indirect? Well, because of the electoral college. Some say the electoral college… Read more

by Amelia Josephson Apr 07, 2022

If the thought of enduring another snowy winter fills you with dread, you might consider a move to California. Millennials taking tech jobs in high-cost-of-living San Francisco aren’t the only ones… Read more