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Frank Addessi

Credit Card, Retirement and Personal Loan Expert

Born and raised in the center of the known universe, Brooklyn NY, and currently hiding out in the bucolic hills of northeast Pennsylvania writing about personal finance. His expertise includes personal loans, credit cards and retirement. It's not easy living the American Dream but someone has to do it!

Posts by Frank Addessi:

by Frank Addessi Jun 19, 2018

If you default on a mortgage, the bank could repossess your home to recover part of their money. When it comes to personal loans, however, the only thing securing it in many cases is your own reputation (unless you plan to get a secured loan). Before you go out and apply for one, you might want to look at the pros and the cons of getting an unsecured personal loan. Read more

by Frank Addessi Aug 27, 2015

When choosing between getting another credit card and taking on a personal loan, it’s best to base your decision on more than just cash back, rewards points or introductory teaser interest rates. There are sound reasons to go for a personal loan over a credit card. But there are some caveats to consider as well. Read more

by Frank Addessi Jan 13, 2017

For three seasons of the year, my favorite two words are farmers and market. From May through November, they’re everywhere. In cities and towns of every size and description, farmers gather to sell everything from firm green tomatoes that are perfect for frying to heritage-breed, hormone-free pork belly. Farmers’ markets have been around for a long time and are more popular than ever. Read more

by Frank Addessi Apr 14, 2015

As the time for commencement rolls around, soon-to-be graduates of every stripe begin preparing for what’s next. Leaving the college environment you’ve grown to know so well can be both exciting and… Read more

by Frank Addessi Aug 23, 2019

Once upon a time you worked at a job for 40 years or so. Then they gave you a cake, a gold watch and a pat on the back and sent you on your way, never to be seen or heard from again. They called it… Read more

by Frank Addessi Jan 20, 2017

The choice between paying down debt and saving that money, for say retirement, is a matter of numbers. If we are thinking of credit card debt, in particular, the numbers seem quite clear. The average… Read more

by Frank Addessi Jan 31, 2017

One of the great political issues of virtually every election is employment. More often than not, unemployment is a topic of hotly contested debate. The discussions range from who is to blame for… Read more

by Frank Addessi Nov 06, 2017

What do movies, cars, tuxedos and private islands have in common? You can rent them by the day, week or longer. The rental business is not new. It’s been around since the beginning of civilization;… Read more

by Frank Addessi Jan 14, 2020

I’ve never been a big fan of prices that end in $.99 or $.95 because they seem so completely dishonest. I am a big fan, however, of prices that end in $.00 and begin with a zero, better known as FREE… Read more

by Frank Addessi Nov 12, 2017

A vacation is supposed to be fun! It’s meant to be a time when you escape into a world where you can focus on relaxing or exploring. Unfortunately, sometimes thieves and scammers try to take… Read more

by Frank Addessi Aug 15, 2019

The Dow is up and the NASDAQ is down, but the S&P is unchanged. These terms get tossed around by everyone, from television pundits to politicians to people on the street. Many people assume they are… Read more

by Frank Addessi Feb 12, 2015

It’s nearly impossible to have a discussion about the economy or politics without someone mentioning the national debt. There are billboards and websites that feature endlessly advancing numbers to… Read more

by Frank Addessi May 18, 2018

There are a couple ways to look at billionaires: as people to be envied or as people to be emulated. Before you rush off thinking, “I can’t be like a billionaire when I’m not even a millionaire,”… Read more

by Frank Addessi Feb 04, 2015

Enough time has passed between the enthusiasm that came from your New Year’s resolutions to shape up, and the reality of heading off in the cold to work up a good sweat. The fact of the matter is,… Read more

by Frank Addessi Mar 01, 2018

It’s that time of year again when the cold temperature isn’t the only thing that sends shivers down your spine. Tax season is settling in and it’ll lay its icy cold grip on us from mid-January to mid… Read more

by Frank Addessi Aug 15, 2019

With all the personal finance advice on TV and strewn across all corners of the Internet, it can be hard to know what’s fact and what’s fiction. So we’re here to help. Below are 10 popular personal… Read more

by Frank Addessi May 18, 2018

Whether you’ve moved across town or across the country, you know there are two sides to every move: the excitement that comes from going someplace new, and the reality of planning, organizing and… Read more

by Frank Addessi Jan 06, 2020

Financial experts recommend saving a lot of money for retirement. By one rule of thumb, you should have twice your salary saved by the time you’re 40, and eight times your salary by the time you’re… Read more

by Frank Addessi Sep 14, 2018

If you’re like most of us, you have a relationship with at least one or two credit cards in your wallet. We tend to take credit cards for granted, but how well do you really know your cards? Do you… Read more

by Frank Addessi Jan 28, 2016

A budget is a plan for your money. To that end, not having a budget is like planning for financial failure. Yet the act of creating a family budget is no guarantee that it will work. The best way to… Read more

by Frank Addessi Nov 07, 2017

Who doesn’t love the thrill of getting a great deal? Who can resist the rush that only comes from getting twice as much for half the price? I know I can’t! I’m cheap and I’m proud of it. How cheap am… Read more

by Frank Addessi Dec 12, 2019

If you’re part of the roughly 60% of Americans who pay someone else to prepare their tax return, then there’s a good chance that you’ve had to make more than one visit to the preparer’s office… Read more

by Frank Addessi Dec 21, 2017

Not all home improvements are created equal. Some are necessary, like a new furnace or roof, and some are purely for pleasure, like converting a basement into a home theater. Others can even be a… Read more

by Frank Addessi Dec 21, 2017

Debt is easy to accrue yet difficult to get rid of. The problem for many people, millennials included, is that they barely get by from paycheck to paycheck and simply don’t have the extra money to… Read more

by Frank Addessi Feb 12, 2020

I can’t imagine how many words have been written about household and personal budgets. I, too, preached the gospel of the budget to anyone who would listen. That is, until recently when I was stopped… Read more