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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 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 APR and how can you get one? The answer to that depends on your credit score and on the type of debt in question.  If you want professional advice related to APR and matters of credit and debt, check out SmartAsset’s financial advisor matching tool to get paired with a financial expert. Read more

by Amelia Josephson Jul 05, 2018

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 proved irresistible to the Americans who have flocked to the state. Some of the nation’s top financial advisor firms are in the Centennial State. So are you thinking of moving to Colorado? Here are 15 things to know before you go. 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 several times over. But not everyone has celebrated this development. Let’s take a look at the pros and cons of NAFTA.  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 Oct 30, 2020

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

by Amelia Josephson Oct 29, 2020

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 Aug 20, 2018

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

by Amelia Josephson Aug 23, 2016

You’ve probably heard the phrases “buyer’s market” and “seller’s market” but do you know the difference between the two? In a buyer’s market, there is plenty of housing inventory on the market and… Read more

by Amelia Josephson Aug 22, 2016

COBRA continuation coverage lets you stay on your employer’s group health insurance plan after leaving your job. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. It’s shorthand… Read more

by Amelia Josephson Nov 09, 2017

For many people, car insurance is a major expense category in the household budget. And because it’s against the law to drive without car insurance, it’s not a budget item that can be eliminated… Read more

by Amelia Josephson Jul 05, 2018

There’s more to New York state than the five boroughs that make up New York City. It’s a large state with a rich history and plenty of natural wonders. Thinking of moving to New York state? Check out… Read more

by Amelia Josephson Jul 05, 2018

If you want to start selling products, you might be wondering whether opening a franchise or becoming an affiliate could be a good move. Both franchisees and affiliates market products developed by… Read more

by Amelia Josephson Jun 27, 2017

Americans are notorious for leaving paid vacation days unused. Those who do take a vacation may be paying more for their flights than is strictly necessary. If you’re ready for some advice on how get… Read more

by Amelia Josephson Aug 12, 2016

Whether you’re trying to buy a home or sell a home, it helps to know whether you’re facing a buyer’s market or a seller’s market. Armed with that knowledge, you can prepare for the negotiations that… Read more

by Amelia Josephson Dec 19, 2018

Are you ready to embrace the spirit of Aloha and move to Hawaii? It’s a common ambition, especially among those who have been to the Aloha State and have seen how beautiful it is. But before you quit… Read more

by Amelia Josephson Aug 10, 2016

Starting a new job is an exciting occasion. You’re about to practice a new set of skills, make new friends and – we hope – get a pay increase. But before you can concentrate on all the fun parts of… Read more

by Amelia Josephson Jul 09, 2018

With a population of around 1.5 million, San Antonio is a livable city with a small-town feel. Rich in history and boasting a diverse population, the city is attracting new residents all the time.… Read more

by Amelia Josephson Aug 03, 2016

Pokémon Go is taking the country by storm. You may have seen people walking or biking in your neighborhood, phones outstretched. For small businesses, the Pokémon Go craze can be a great opportunity… Read more

by Amelia Josephson Aug 20, 2018

The population of Minneapolis increased by 7.4% in the five years between 2010 and 2015 – an impressive rate of growth that speaks to the city’s many attractions. Thinking about moving to Minneapolis… Read more

by Amelia Josephson Jul 21, 2016

Phoenix consistently ranks in the top ten fastest-growing cities in the country. It’s a relatively affordable city, too, which makes it a great place to move to if you’re tired of a more expensive… Read more

by Amelia Josephson Jul 15, 2016

Got an entrepreneurial spirit? It may be time for you to start a small business. The Small Business Administration (SBA) defines a small business as any business with fewer than 500 employees. Over… Read more

by Amelia Josephson Dec 19, 2018

The U.S. capital, Washington, D.C., attracts more than just politicians and government staff. It’s a vibrant city full of culture and history that appeals to Americans and international visitors… Read more

by Amelia Josephson Jul 08, 2016

Freelancing makes a great side hustle or even a full-time job but it can be tough to get started and build a client base. Before you start planning the extra retirement contributions or travel… Read more

by Amelia Josephson Jul 07, 2016

The U.S. routinely ranks among the world’s most charitable countries. In the 2015 Charities Aid Foundation World Giving Index, the U.S. came in second (to Myanmar). But which states do the most to… Read more