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Nadia Ahmad CEPF®

Personal Finance Expert

Nadia Ahmad is a Certified Educator in Personal Finance (CEPF®) and a member of the Society for Advancing Business Editing and Writing (SABEW). Her interest in taxes and grammar makes writing about personal finance a perfect fit! Nadia has spent ten years working as a seasonal income tax assistant, researching federal, state and local tax code and assisting in preparing tax returns. Nadia has a degree in English and American Literature from New York University and has served as an instructor/facilitator for a variety of writing workshops in the NYC area.

Posts by Nadia Ahmad CEPF®:

by Nadia Ahmad CEPF® Jan 12, 2021

According to the Census Bureau, almost 20 million renters allocate at least 30% of their household income towards rent, indicating that they are housing cost-burdened. This can be especially true in larger cities where the cost of living is higher. And if time is money, then many Americans will have to resort to working longer hours to make ends meet without having to use up any existing emergency funds. Read more

by Nadia Ahmad CEPF® Nov 19, 2020

Some 67% of consumers in the U.S. carried at least one type of non-mortgage debt as of June 2020, according to Experian. As Americans contend with those financial burdens on top of housing costs, it behooves them to find housing options that are affordable relative to their salary. With this in mind, SmartAsset crunched the numbers to uncover where the average household can afford the most home given their particular financial circumstances. Read more

by Nadia Ahmad CEPF® Nov 19, 2020

Over the past 30 years, employment in science, technology, engineering and math (STEM) jobs has grown by almost 80%, according to a recent figure from Pew Research Center. However, there is still significant disparity in representation across gender lines and particularly racial ones: though Blacks and Hispanics combined accounted for more than a quarter (27%) of the 2016 U.S. workforce, Pew reports they totaled only 16% of the STEM workforce. Where people live, though, can be a factor in their access to companies that value a more heterogeneous group of employees. That’s why SmartAsset decided to find which cities are doing better than others when it comes to diversifying STEM workforces. Read more

by Nadia Ahmad CEPF® Oct 19, 2020

The recent devastating U.S. unemployment rate, which shot up to 14.7% in April amid the coronavirus crisis, has highlighted the importance of achieving job security. In the short term, it means the… Read more

by Nadia Ahmad CEPF® Aug 25, 2020

According to the American Pet Products Association, Americans spent $95.7 billion on their pets in 2019, with almost $37 billion going toward pet food and treats alone. Given that dogs are among the… Read more

by Nadia Ahmad CEPF® Jul 28, 2020

According to 2018 Census Bureau data, approximately two of every 10 owner-occupied housing units in the U.S. is a one-person household. That means more than 17 million units fall under this category.… Read more

by Nadia Ahmad CEPF® Jul 23, 2020

In recent years, housing demand has increased by more than 10% in some cities while declining by almost 5% in others. And amid that disparity, it’s important to be strategic about where it would be… Read more

by Nadia Ahmad CEPF® Jun 16, 2020

Coronavirus has hit America’s senior population especially hard in terms of health, but the pandemic has also highlighted issues that some people 65-and-older already face with regard to their… Read more

by Nadia Ahmad CEPF® May 21, 2020

May 21, 2020 – The Treasury Department and the IRS announced that this week they would begin sending roughly 4 million Economic Impact Payments (EIPs) – otherwise known as stimulus checks – via a… Read more

by Nadia Ahmad CEPF® May 18, 2020

In late April 2020, the Treasury Department concluded agreements with several U.S. airlines and began to make initial payments of the Payroll Support Program, a provision established in the… Read more

by Nadia Ahmad CEPF® May 11, 2020

Finding a roommate to split your rent is a surefire way to save money, which is welcome consolation for the dirty dishes that pile up in your sink. Of course, the real estate market landscape is… Read more

by Nadia Ahmad CEPF® May 07, 2020

May 7, 2020 – Many of the country’s largest for-profit insurance companies are now offering discounts to customers affected by the coronavirus. UnitedHealth Group, the largest U.S. health insurer by… Read more

by Nadia Ahmad CEPF® May 04, 2020

May 4, 2020 – Wells Fargo announced last Thursday that it will no longer be accepting applications for home equity lines of credit (HELOCs) after April 30. The company joins another big bank,… Read more

by Nadia Ahmad CEPF® Apr 16, 2020

Amid health and economic upheaval from the COVID-19 pandemic, the need for an emergency fund has become increasingly pronounced. Though conventional wisdom advises having three to six months’ worth… Read more

by Nadia Ahmad CEPF® Apr 09, 2020

While affording a down payment may be the largest challenge to buying a home, many other factors play into finding the right place to take out a mortgage and put down roots. Inventory and pricing… Read more

by Nadia Ahmad CEPF® Mar 18, 2020

Owning a home is a dream for many Americans, but it can be difficult to attain. Monthly costs, which can include mortgage payments, taxes and insurance, total an average of $1,082 nationwide,… Read more

by Nadia Ahmad CEPF® Mar 05, 2020

The Great Recession, which began in 2007 and extended into the early 2010s, wreaked havoc on the global economy at large and the finances of individual Americans alike. When the U.S. unemployment… Read more

by Nadia Ahmad CEPF® Feb 25, 2020

Affording home payments is a struggle many homeowners face, especially in a large city with high living costs. Questions of budgeting and saving come into play, as well as how much additional debt –… Read more

by Nadia Ahmad CEPF® Feb 13, 2020

Taking out a mortgage is a big decision, especially if it’s for a secondary property. You’ll have to take into account factors like property taxes, timely mortgage payments and other housing costs.… Read more

by Nadia Ahmad CEPF® Feb 12, 2020

Pew Research Center found that in 2017 more U.S. households were headed by renters than at any point since 1965. Considering the fact that rent is a major expense for many people – more than half of… Read more

by Nadia Ahmad CEPF® Jan 30, 2020

If you’re thinking about investing in a beach town property – whether to rent out or use as a vacation home for yourself – you might quickly realize that not every city by the ocean may be the right… Read more

by Nadia Ahmad CEPF® Jan 14, 2020

In 2018, young adults with at least a bachelor’s degree had an impressive employment rate of 86%, compared to just 72% for their counterparts with a mere high school diploma. After all, a higher… Read more

by Nadia Ahmad CEPF® Jan 08, 2020

It’s difficult to pursue your passions and manage your various commitments given the time that they require, especially if they are not directly linked to your job. In an ideal world, though, you… Read more

by Nadia Ahmad CEPF® Dec 16, 2019

As we head into the new year, many of us are taking stock of what we accomplished in the past year and considering what goals we’d like to set for the coming one. Establishing a more consistent… Read more

by Nadia Ahmad CEPF® Dec 12, 2019

According to the National Beer Wholesalers Association, in 2018, approximately 82% of all beer in the U.S. was domestically produced. While that may indicate that beer is widely available across the… Read more