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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® Jul 20, 2021

The nationwide median monthly rent in 2019 was $934 for a studio apartment and $953 for a one-bedroom, according to Census Bureau data. This can add up to anywhere between about $11,200 and $11,400 per year for solo renters. Living with a roommate is a common alternative to save money, but some residents may prefer to live alone. The good news is that depending on the city, living alone won’t break your budget. With this in mind, SmartAsset identified and ranked the top cities where renters can afford to live alone in 2021. Read more

by Nadia Ahmad CEPF® May 04, 2021

Cryptocurrency such as Bitcoin relies on the use of both public and private keys, the first of which allows the receipt of cryptocurrency transactions and the second of which allows the owner to prove and unlock the cryptocurrency received through that transaction. Cold storage allows this information to be stored in physical forms that are offline in order to reduce the likelihood that they will be electronically intercepted or hacked. Read more

by Nadia Ahmad CEPF® May 04, 2021

If you’re an investor who is otherwise familiar with trading strategies involving futures and options, you may have wondered whether futures trading applies to cryptocurrency too. The good news is that Bitcoin futures contracts are indeed available for investors, allowing them to speculate on and take advantage of the currency’s future price. Read more

by Nadia Ahmad CEPF® May 04, 2021

There are lots of facets of your money management that you can take care of personally, using your own research and skill and with the help of comprehensive online tools and calculators. But if you… Read more

by Nadia Ahmad CEPF® Apr 05, 2021

The COVID-19 pandemic has impacted the personal finances of millions of Americans, making it difficult for many to meet their financial needs and goals. While unemployment has declined by more than… Read more

by Nadia Ahmad CEPF® Mar 29, 2021

TotalLegal is a company that offers consumers the opportunity to create quality legal documents for a variety of needs. With regards to estate planning, the website allows users to create a last will… Read more

by Nadia Ahmad CEPF® Mar 29, 2021

FreeWill is an online estate planning tool that allows you to create or update a legally binding will in as little as 20 minutes. It offers products such as the ability to document funeral wishes,… Read more

by Nadia Ahmad CEPF® Mar 17, 2021

Ethereum is an open-source blockchain that is on a decentralized platform featuring a native cryptocurrency called Ether (or ETH), similar to Bitcoin. Founded by Vitalik Buterin in late 2013 and… Read more

by Nadia Ahmad CEPF® Apr 06, 2021

Ripple (XRP) is a real-time gross settlement (RTGS) system, which is a specialist money transfer network, currency exchange and remittance network. It was created by Ripple Labs Inc., which is a U.S.… Read more

by Nadia Ahmad CEPF® Mar 10, 2021

A National Association of Realtors report shows that single females accounted for 18% of home purchases in 2019 (whereas single males made up only 9% of purchases in the same year). Within two age… Read more

by Nadia Ahmad CEPF® Feb 10, 2021

Tax time is taxing, especially if you owe money to the IRS. Complex questions can lead taxpayers to seek out a tax preparer or a professional financial advisor to minimize their tax liabilities. But… Read more

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… 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… 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… 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® Mar 17, 2021

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