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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 Jul 17, 2019

When you think of college you think of studying, parties, pizza, guys, girls, and late nights. We seldom think about debt until graduation and the time comes to start making payments. Rising tuition at state and private schools is continuing to rise and along with them so is student debt. For student and their families preparing for college the maze of financial aid forms can be confusing leaving many to assume that college loans are college loans. They are not. There can be up to five very different student loans available for students and their families to choose from and the differences can be substantial. Read more

by Frank Addessi Mar 26, 2015

In the world of higher education rankings and earnings choosing to live and die by statistics is a recipe for unhappiness and dissatisfaction. Statistics do not represent individuals but collections of people and how well an individual performs in any measure of success is up to the individual. Everyone loves a bargain and we all desire to have nothing but the best for ourselves and our children. This is particularly true when it comes to college educations. The evidence, especially over the last several years is striking. Highly selective schools have become even more selective with plummeting acceptance rates. Read more

by Frank Addessi Dec 22, 2014

Bike sharing is a new phenomenon in the United States that has its roots in Europe and in a city that is legendary for its canals and its bicycle culture Amsterdam. Modern bike sharing got its start in the Dutch capital in 1965 has since evolved into a world wide trend since. Read more

by Frank Addessi Dec 22, 2014

After decades of decline and shrinking populations American cities are seeing a resurgence of popularity. People are moving into cities of all sizes at near record setting rates. Why? It appears we… Read more

by Frank Addessi Aug 12, 2015

Unless you’re an eccentric living in the hills of Northeast Pennsylvania (I’m not mentioning names, it’s me) you will eventually want to get rid of your old car and move on to something newer if not… Read more

by Frank Addessi Feb 21, 2018

We’re not happy with our car insurance companies. We’re not angry with them either. We’re just not as thrilled with them as we were last year according to JD Power, the global marketing information… Read more

by Frank Addessi Dec 22, 2014

It’s everyone’s worst nightmare, you walk in your front door and your house is trashed. In my nightmare there’s 10 inches of water covering the first floor and my cat is floating on top of an ottoman… Read more

by Frank Addessi Jan 08, 2020

The question new and seasoned investors have puzzled over for decades is whether the better investment strategy lies in mutual funds or individual stocks. The answer is like comparing apples and… Read more

by Frank Addessi Sep 01, 2021

Saving for retirement is one of the most important financial planning goals for most Americans. However, the question of how much you’ll need to retire is often quite personal and uncertain. But for… Read more

by Frank Addessi Sep 14, 2018

The short answer to the title question is neither no nor yes. It is the ever uncomfortable, it depends. That big “maybe” won’t even provide a universal response to all adjustable rate mortgages (ARM… Read more

by Frank Addessi Feb 14, 2020

Congratulations, you’ve either paid off all your high interest credit card and revolving credit debt (or are well on your way) and you’re ready to start building your own emergency rainy day fund. A… Read more

by Frank Addessi Jan 08, 2020

What may be good for the economy may not have been good for retirees. When the markets crashed and the economy tanked the Federal Reserve lowered interest rates. Then they lowered them some more and… Read more

by Frank Addessi Dec 18, 2014

Marketers and advertisers learned long ago that no other word sells more than Free. Sell, free, isn’t that an oxymoron. Technically no, but it is an apparent contradiction and the terms do appear to… Read more

by Frank Addessi Feb 21, 2018

There’s a war going on in your wallet. The war is for control of your life and the enemy is personal debt. That might sound like hyperbole at first blush but the reality is that personal debt,… Read more

by Frank Addessi Jul 23, 2019

Discussions of personal finance usually end up in one of two ways, with drooping eyelids, yawns and repeated glances at a watch or in raised voices and some variation of “None of this applies to me I… Read more

by Frank Addessi Dec 18, 2014

Credit makes the world go ‘round. Good credit makes borrowing money less expensive and that opens to door to all sorts of perks. On the other hand poor credit may not close doors but it certainly… Read more

by Frank Addessi Feb 16, 2017

Life is full of milestones, from birthdays and anniversaries, to graduations and career advancement. Many of life’s major events happen as the result of hard work, and most are cause for celebration.… Read more