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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 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 always have to involve a foreign country? Let’s take a look.  Read more

by Amelia Josephson Sep 29, 2016

You probably know that cybersecurity is important and we’re guessing you’ve heard about hackers and identity theft. You may even be using a password manager and have a piece of masking tape covering the camera on your laptop. But do you know what ransomware is and what to do if it strikes? Check out our guide.   Read more

by Amelia Josephson Jan 13, 2020

Oregon’s population hit the 4.09 million mark in 2016. According to the Census Bureau, the state’s population grew by 5.2% between 2010 and 2015 and continues to grow. If you’re thinking about moving to Oregon, it might be worth knowing more about what it’s like to live there. Here are 15 things that anyone moving to Oregon should know.  Read more

by Amelia Josephson Mar 17, 2021

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 Sep 17, 2018

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 Feb 08, 2017

Unless you’re big on luxury hotels, you probably want to spend a modest amount on lodging when you’re traveling. Wondering how to get cheap hotel rates? If you’re really committed to scoring the best… Read more

by Amelia Josephson May 18, 2018

During the 2016 primary season we heard a lot about the issue of free college. Should every American be able to get a bachelor’s degree at no cost? What are the pros and cons of free college? If you… Read more

by Amelia Josephson May 21, 2018

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 Aug 13, 2019

Timeshares are notoriously difficult to sell. If you bought a timeshare thinking you’d want to use it forever and now find yourself wanting to unload it, don’t despair. Selling a timeshare isn’t… 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 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… 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 Aug 31, 2016

If you have a car that you’ve been driving for a while and you’re ready to trade it in, you might be wondering how to get the best deal. When you’re trading in a car, it’s a good idea to forearm… 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