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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 Dec 02, 2014

Once deemed a pipe dream, electric and hybrid electric cars are beginning to gain mainstream appeal. When you compare them to standard internal combustion-powered vehicles, however, they come out quite expensive. The logic behind the added expense is that they pay for themselves in fuel savings and also carry the long-term bonus of being better for the environment. So when the rubber meets the road, how do these vehicles actually stack up? Read more

by Frank Addessi Nov 27, 2014

Retirement was originally intended to be a period at the end of your life when you were too tired or weak to do much of anything. Many able-minded people are now opting out of traditional retirement, however, because they are healthy and, frankly, bored. Starting and building second careers is becoming more popular every year, not necessarily because we’re living dramatically longer lives (we are living longer), but because we’re living decidedly healthier lives. To that end, what makes second careers so exciting and rewarding is the same thing that’s supposed to make retirement appealing: freedom. Read more

by Frank Addessi Jul 09, 2018

Buying a home is a big decision for several reasons. For one, you’ll most likely have to live with the home for years to come. It’s also a significant investment, and for most people, the biggest single purchase they will ever make. That’s why most people spend a lot of time and energy searching for the perfect house to call home. Unfortunately, they often spend far less time and effort shopping for the right mortgage. And to compound that problem, there’s a bunch of myths and misunderstandings surrounding mortgages. Here’s what you need to know. Read more

by Frank Addessi Feb 12, 2020

I’m a little biased when it comes to the ideas of owning a business and retiring as late as possible, as I come from a long line of entrepreneurs. Both of my parents operated side businesses in… Read more

by Frank Addessi Mar 14, 2018

Chances are you have your own shopping rituals that you use to save money, such as never Christmas shopping in any month that ends in “ber,” or checking the clearance rack first. Some rituals are… Read more

by Frank Addessi Jan 08, 2015

We’ve all heard the clever pun about what happens when you assume, but there are indeed real-life consequences to mistaken assumptions, and they can be expensive. A few years ago, the National… Read more

by Frank Addessi Aug 07, 2017

Variable life insurance is a form of insurance that builds cash value. Of all the types of life insurance, it’s the only one that is regulated at the federal, not state, level. This is because… Read more

by Frank Addessi Feb 12, 2020

Most articles you read about getting out of debt, controlling spending or saving for the future advise that you start with a budget. They may not all use the actual word, but the sentiment is clear:… Read more

by Frank Addessi Dec 14, 2021

It’s tax time! No, it’s not April 15th and you are not the subject of a time travel experiment gone wrong. But if you are one of the millions of taxpayers who expects to owe and wants to minimize… Read more

by Frank Addessi Mar 14, 2018

P2P (peer to peer) lending is a practice that has been around since ancient civilization, though it’s certainly undergone some substantial changes over time. Most notable is the fact that you can no… Read more

by Frank Addessi Aug 07, 2017

Modern life insurance has been around for about 300 years. For the majority of that time, the field was dominated by just two types of policies, temporary and permanent. This is also known as term… Read more

by Frank Addessi Nov 12, 2017

Holiday travel is as American as eating too much apple pie and turkey and stuffing and, well, you get the picture. It’s a tradition! But as much fun as traditions are and as much as you love them,… Read more

by Frank Addessi Jun 27, 2017

Going into business with a partner is full of risks and unknowns (what happens if we don’t get along?). If you think your partner is bad, their spouse may even be worse! This brings up the second… Read more

by Frank Addessi Apr 13, 2018

Hacks are simple tricks that save you time and money. A common trait of most hacks is that they take something you already have and use it for an all new purpose. Some hacks are not about clever uses… Read more

by Frank Addessi May 27, 2015

We begin life as helpless newborns completely dependent upon others for every aspect of our well-being. The ‘others’ are most often our parents. We then spend a couple of decades leaning on them… Read more

by Frank Addessi Dec 17, 2014

To many, an imminent retirement can seem like a prison sentence. They feel they will be cut off from the world and locked away, enjoying only the occasional weekend visit by family and friends. For… Read more

by Frank Addessi Nov 07, 2017

Everyone loves a bargain. Manufacturers and retailers have understood that fact for decades and the result is bigger boxes with less content because it provides the impression of being a good deal.… Read more

by Frank Addessi Jun 19, 2018

Having a discussion about home energy consumption and saving money can sometimes seem intimidating so it might be best to start with the fundamental equations at the heart of the issue. E (energy) =… Read more

by Frank Addessi Feb 13, 2020

I’m not a mathematician but I’m sure there has to be a direct relationship between the degree to which we desire something to the number of euphemisms and clichés we develop to describe it – get your… Read more

by Frank Addessi Jul 05, 2017

Not all contracts on your life are the same – there’s the gangster movie variety which usually involves a guy named Vinny or Tony who sends you to sleep with the fishies and then there’s the life… Read more

by Frank Addessi Jan 15, 2016

Benjamin Franklin once wrote in a 1789 letter to the French historian Jean-Baptiste Leroy that, “In this world nothing can be said to be certain except death and taxes.”  The two lovers of history… Read more

by Frank Addessi Apr 11, 2014

The 60’s rock band The Byrds had a huge hit that opens with “To every thing there is a season, and a time to every purpose under the heaven” which is lifted straight out of the book of Ecclesiastes… Read more

by Frank Addessi Feb 12, 2020

Children are expensive! On a scale that runs from OMG! up to You Can’t be Serious, just how expensive depends on where you live and a handful of other factors. Of course on the off chance that one of… Read more

by Frank Addessi Dec 29, 2016

There was a time when a trip to the supermarket ended with the question from the cashier – paper or plastic? The cashier was of course asking about what type of bag you wanted your groceries packed… Read more

by Frank Addessi Feb 07, 2017

There are those, myself included, who will tell you that having no credit is worse than having bad credit. While this is largely anecdotal, it seems that creditors don’t like virgins, credit virgins… Read more