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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 May 06, 2021

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 Oct 09, 2020

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 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 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 Nov 19, 2021

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 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 Dec 28, 2021

Financial experts recommend saving a lot of money for retirement. According to one rule of thumb, you should have twice your salary saved by the time you’re 40, and eight times your salary by the… 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 Jan 19, 2022

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 Jun 11, 2018

I recently asked my sister, a successful realtor, what the one thing is that she has the most difficulty explaining to people when selling their homes. She said it’s getting them to accept the fact… Read more

by Frank Addessi Dec 31, 2014

Estate planning requires interdisciplinary knowledge of law, tax and accounting issues. Yet the answer to the question What makes a professional estate planner a professional? is that they get paid.… Read more

by Frank Addessi Jan 08, 2015

If social security were a person, 2015 would mark its 15th year receiving benefits. In other words, the most significant social benefits program in history turns 80 shortly. The program looks… Read more

by Frank Addessi Nov 09, 2017

Starting a business without a business plan can be a recipe for disaster. Regardless of your business experience, your chances of success are greatly diminished without a solid plan to work from. A… Read more

by Frank Addessi Jan 13, 2022

While it may be tempting to save some money and plan your estate by yourself, it is likely not a good idea. Estate planning is full of small details that the average person just doesn’t know about,… Read more

by Frank Addessi Jan 02, 2015

By 2020, spending on prescription drugs in America is expected to top $510 billion. That means more than $1,500 per year for each and every person. The reality is that prescription drug prices will… Read more

by Frank Addessi Dec 21, 2017

The title of this article is actually a serious question that is too often ignored. For many, the idea of estate planning means having millions of dollars in assets that will need to be distributed.… Read more

by Frank Addessi Jan 02, 2015

We’ve all observed at some point that the cost of everything is going up. Most of us have either said or been told, “When I was a kid you could buy a loaf of bread for…” followed by a price that seem… Read more