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Harry Campbell

Home Buying, Credit Card, Savings and Retirement Expert

Harry Campbell is an aerospace engineer by day and personal finance blogger by night. He runs his own personal finance blog at Your PF Pro and is a freelance writer. Harry's expertise includes retirement, credit cards, home buying, higher education and side hustles like ridesharing. His work has been featured on Zillow, Credit Karma and CreditCards.com. Harry currently resides in Newport Beach, CA and enjoys biking and playing beach volleyball in his spare time.

Posts by Harry Campbell:

by Harry Campbell Jun 11, 2018

Many people who get their health insurance through their employer aren’t aware of the true cost of health care.  Employers generally subsidize a majority of the cost so the premium you pay via payroll deduction isn’t even close to the full amount.  If you’re curious what this number is, ask your HR department or look for the amount as part of your total compensation package. Read more

by Harry Campbell Jun 21, 2014

Interest rates make up a huge part of our financial lives. Most potential homebuyers are worried about interest rates rising because that would increase the cost of borrowing money and in turn the monthly payment on their mortgage. We know there’s a mathematical lower bound for interest rates at 0% (unless banks start paying you for the privilege of also loaning money to you), but is there an upper limit? Read more

by Harry Campbell Jan 12, 2016

There’s a lot of variability when it comes to planning for retirement. If you’re a 20, 30 or even 40-something plugging away at your day job, you’ve probably entered your information into a retirement calculator once or twice just to see what came up. It’s always fun to think about retirement no matter how far away it might seem. But tools like this are useful for more than just day dreaming. Read more

by Harry Campbell Feb 13, 2019

You’ve probably heard of an emergency fund, but do you have one?  Most of the financially savvy people in this world have gotten good at budgeting for the every day predictable expenses.  But what… Read more

by Harry Campbell Dec 19, 2016

Unless you’ve been living under a rock for the past 10-20 years, you know that the cost of college has gone way up. The college inflation rate stands somewhere in-between 6 and 9% while standard… Read more

by Harry Campbell Aug 15, 2017

Having enough money isn’t a necessity for a successful relationship, but it sure makes things easier. You would think that if you have more money, there’d be less to argue about, right? But no matter… Read more

by Harry Campbell Dec 19, 2016

With all the talk about hurting or helping your credit score these days, there are probably a lot of confused consumers out there.  Most credit monitoring companies try to portray your credit as a… Read more

by Harry Campbell Jul 05, 2017

Life insurance is one of the most under-valued financial assets on the market.  Many people don’t fully understand why they might need life insurance. And they often buy into misconceptions. Here are… Read more

by Harry Campbell Dec 20, 2016

It doesn’t matter whether you’re buying or selling a property these days, house and mortgage closing costs are going to have a huge impact on any real estate transaction. There are a lot of parties… Read more

by Harry Campbell Dec 30, 2014

Right now you probably think you are doing too much for too little. Many people feel underappreciated in their jobs. But a recent survey looked at what others think about your career and your income.… Read more

by Harry Campbell Apr 10, 2017

We’ve all heard that owning a home is the American dream, but boy has that dream gotten expensive.  Real estate is making a furious comeback after the recent housing collapse and prices are up 20-50%… Read more

by Harry Campbell Nov 15, 2017

You won’t find too many people arguing against going to college these days.  It might be getting more and more expensive but we know that there’s a direct correlation between going to college and… Read more

by Harry Campbell Jan 14, 2016

In today’s ultra low interest rate environment, refinancing your mortgage is a topic that tends to come up a lot.  Lower monthly payments is something that is attractive to nearly all homeowners with… Read more

by Harry Campbell Dec 29, 2013

This time of year can be a stressful and life-changing experience for high school seniors across the country.  The reason behind it all: college applications and acceptance.  Not only is it getting… Read more

by Harry Campbell Jul 16, 2018

When you sign the dotted line on that 30-year mortgage, you’re probably thinking how great it will be to have that house paid off right around the time you retire.  But most people don’t live in the… Read more

by Harry Campbell Jul 10, 2018

Whether you like it or not, credit is important and it’s here to stay.  Most of us know that you need good credit when applying for loans or apartments. But even employers are starting to check… Read more

by Harry Campbell Nov 12, 2017

There are so many credit cards to choose from. It can be overwhelming picking between travel rewards, cash back options, and interest rates. But it’s just confusing to hear that some are free and… Read more

by Harry Campbell Dec 29, 2014

For young professionals and families alike, it’s the age old question: buy vs rent?  We all know that there are lots of hidden expenses that go into buying a home but you’ve probably also heard that… Read more

by Harry Campbell Apr 20, 2017

It’s probably happened to most people once or twice in their life. Standing at the checkout counter minding your own business, you hear the cashier utters six simple words. “Your credit card has been… Read more

by Harry Campbell Jun 27, 2017

It’s a simple fact in today’s world: if you want to establish credit, you have to use credit. Not everyone realizes that until it’s too late though. You can probably get by paying for most major… Read more

by Harry Campbell Nov 23, 2016

We all know about the awesome deals Black Friday has to offer, but what about Cyber Monday? Not everyone has the time or the commitment to battle the crowds on the Friday after Thanksgiving and that… Read more

by Harry Campbell Nov 12, 2015

Black Friday has traditionally marked the start of the holiday shopping season.  In order to get the biggest and best deals, shoppers must trudge out early in the morning to battle the crowds and… Read more

by Harry Campbell Nov 18, 2015

One of the best things about the drowsiness that starts to hit us after a large Thanksgiving feast is the early bed time.  It’s a great feeling to doze off after a nice meal with family and friends.… Read more

by Harry Campbell Nov 08, 2017

When most of us hear Black Friday, we think of an epic shopping day. We picture packed malls and mobs of shoppers all hunting for the best deals. It’s a day to flex our shopping muscles and rack up… Read more

by Harry Campbell Jun 26, 2017

In the past few years we’ve seen a resurgence of point-earning credit cards and handsome sign up bonuses. There are a number of ways to earn credit card points and miles. However, redeeming those… Read more