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April 2025
What Is a Tariff and Why Is It Impacting the US Stock Market?
Powerful lever that can reshape global trade
March 2025
The Power of Dollar-Cost Averaging: Does It Still Work in 2025?
Yes, it still does work to build wealth steadily over time
How to Budget for a Spring Vacation Without Going Broke
Strategic budgeting doesn’t have to feel restrictive
February 2025
How to Create a Bulletproof Budget for 2025
Create a budget that is realistic, sustainable, and adaptable
The Best ETFs for Long-Term Wealth Building in 2025
Selecting the right ETFs is crucial for maximizing returns while managing risk
The Rise of AI Stocks: Hype or Long-Term Opportunity?
Genuine long-term potential, or another speculative bubble?
January 2025
Why Dollar-Cost Averaging Can Reduce Risk in the Stock Market
A simple, effective, and accessible approach to investing
Using the Price-to-Earnings Ratio: A Key Metric Explained
One of the most widely used metrics in the world of investing
The Power of Compound Interest: Why Starting Early Pays Off
Learn the mechanics of compound interest and why starting early is crucial
December 2024
What to Do When the Market Dips: Tips for Staying Calm and Profitable
Navigate market downturns with composure and strategy
Secured vs. Unsecured Credit Cards: Which Is Right for You?
Understand the differences between the two
The Ultimate Guide to Credit Card Perks for Holiday Shoppers
Understand how to leverage your credit card perks
November 2024
End-of-Year Donations: Maximize Your Tax Deduction Impact
Understand the ins and outs of end-of-year donations
Money Resolutions for 2025: Key Goals for Financial Success
Create a holistic financial plan for success
October 2024
Breaking Down the Latest Tax Law Changes: What You Need to Know Before Filing in 2025
Be prepared when it’s time to file
September 2024
Impact of Federal Interest Rate Changes on Personal Finances
A rate that affects a wide range of financial factors
Maximizing the Benefits of Credit Builder Cards
Position yourself to establish or improve your credit score
August 2024
ESG Investing: Aligning Your Values with Long-Term Gains
A strategy that considers factors beyond financial returns
July 2024
Investing in Emerging Markets: Opportunities and Risks
Significant growth potential accompanied by heightened risks
Navigating Market Volatility: Staying the Course with Long-Term Investments
Weather the storm and achieve your financial goals
The Power of Compound Interest: Growing Your Wealth Over Time
One of the most powerful forces in finance
Mid-Year Financial Check-Up: Are You On Track for Your 2024 Goals?
Evaluate your current financial situation
June 2024
Creating an Emergency Fund: Why It’s Essential and How to Start
A financial safety net for unexpected events
Retirement Planning: How to Ensure a Comfortable Future
Ensure a comfortable and worry-free retirement
Summer Savings: How to Budget for Vacation Without Breaking the Bank
Still have an unforgettable time by budgeting effectively
May 2024
3 Quick Points to Simplify Market Makers
Market participants that stand ready to buy and sell securities on a regular basis
April 2024
Three Key Points to Simplify the Consumer Price Index
Average change in prices for a basket of goods and services over time
March 2024
Legal document crafted during your lifetime for the transfer of selected assets
What Does Liquidity Mean in Personal Finance?
How quickly and easily you can convert an asset into cash
February 2024
A Quick Overview of Inverse ETFs
A type of ETF that is designed to perform inversely to the performance of its underlying index or asset
Movement of money in and out of an individual’s pocket over a specified period
A financial product characterized by regular, equal payments that cover both principal and interest over a specific period
January 2024
What Factors Affect My Credit Scores?
Comprehending the details behind credit scores is important for informed financial management
What Is an Annualized Rate of Return?
Metric used to express the geometric mean of the rate of return over a specific period
How to Set Financial Goals for Long-Term Success
Setting long-term financial goals is a crucial step towards achieving financial success
December 2023
November 2023
3 Quick Points to Simplify Investment Risk Management
Streamline and enhance your investment risk management strategies
3 Quick Points to Simplify Mortgage Insurance
Insurance that protects the lender in case the borrower defaults on the loan
A statistical measure representing the relative value of a group of underlying assets
October 2023
A Quick Overview of the Technology Select Sector SPDR Fund
An ETF designed to track the performance of the technology sector
Scheduled event in which a publicly traded company reports its financial results
September 2023
What Is an Initial Public Offering?
Process by which a privately held company becomes publicly traded
A tool that allows you to filter and select stocks based on specific criteria
August 2023
A Quick Overview of the Bloomberg Aggregate Bond Index
An index used to track the performance of the U.S. bond market
July 2023
What Is Earnings Before Interest, Taxes, Depreciation, and Amortization?
A widely used measure of a company’s operating profitability
A Quick Overview of the Global X Robotics & Artificial Intelligence ETF
A leading robotics and artificial intelligence ETF
June 2023
A Quick Overview of the Vanguard Information Technology Index Fund
Gain exposure to leading technology companies
May 2023
3 Quick Points to Simplify Getting Your First Credit Card in 2023
Make the process simple for yourself
April 2023
March 2023
2 Simple Resources to Consider When Looking for Your Next Credit Card
Make credit card research simple for yourself
February 2023
January 2023
A Quick Overview of the Financial Select Sector SPDR Fund
An ETF that provides exposure to financial services
December 2022
A Quick Overview of the Vanguard Health Care Index Fund
An ETF that provides exposure to the health care sector
November 2022
October 2022
How Payment History Impacts Your FICO Score
The most important component of your FICO Score calculation
An Environmental Services ETF to Know About
An ETF that is driven by rapid population increases and industrialization
September 2022
What Is a Credit Utilization Rate?
An important rate that has a significant impact on your FICO Score
A Quick Overview of the Vanguard Total Stock Market ETF
Gain exposure to the entire U.S. stock market
August 2022
July 2022
Three Resources to Consider to Improve Your Financial Literacy
Make understanding your finances easier for yourself
A Quick Overview of the iShares Russell 2000 ETF
An ETF that tracks the benchmark index of small-caps
3 Reasons Why the Navy Federal Flagship Rewards Is One of My Favorite Credit Card
Great rewards that I benefit from
June 2022
A Quick Overview of the Uranium ETF
A look into the ETF that tracks exposure to a key element for nuclear power
4 Reasons Why You Should Always Use Your Credit Card Before Your Debit Card
A generally safer choice as long as you are responsible
May 2022
A Quick Overview of the Invesco QQQ ETF
The leading ETF for tracking the performance of technology stocks
2 Simple Tips to Assist with Improving Your FICO Score
Position yourself to have high creditworthiness
A Global ETF Excluding the United States Worth Keeping an Eye On
Gain an understanding of the leading companies globally excluding the United States
April 2022
A Real Estate ETF Worth Keeping Your Eye On
Keep track of leading companies that purchase and operate real property
A Quick Overview of 5 Categories to Assist You in Establishing a Monthly Budget
Understand where your money comes from and goes
A Cybersecurity ETF Worth Keeping an Eye on
Keep track of companies leading the protection of computer systems and networks
March 2022
Know what significant events that may affect the economy and stock market are coming up
February 2022
A Metaverse ETF Worth Keeping an Eye On
Keep track of companies involved in the present and future of virtual social interactions
3 Credit Card Red Flags to Always Avoid
Avoid these red flags when you are looking to sign-up for a new credit card
January 2022
A Quick Overview of a Stock Screener to Know About
Quickly sort for your next potential investment opportunities
2 Key Resources to Expand Your Investment and Economic Knowledge
Simplify educating yourself on investing and the economy
2 Credit Cards to Consider to Start Your Credit Building Journey in 2022
Start the year off on the right financial path
Archives
Past Media
December 2021
3 Quick Points to Simplify the Consumer Price Index (CPI)
A widely used metric to measure inflation and deflation
A Quick Overview of the ProShares Bitcoin Strategy ETF (BITO)
Gain exposure to Bitcoin in a traditional manner
3 Resources for Quick Credit Card Research
Know what your next credit card will be with simple research
November 2021
A Quality Consumer Discretionary ETF to Know About
If you are looking for a quality consumer discretionary based ETF, check out VCR
A Quality Technology ETF to Know About
If you are looking for a quality technology-based ETF, look no further than VGT
2 Cash Back Credit Cards to Consider for Holiday Shopping
Earn cash back for spending money this holiday season
October 2021
Why is the 200-Day Simple Moving Average Considered Important?
Determine the overall long-term trend of a security
A Simple Resource to Use to Learn More About Cryptocurrency
There is always a resource to simplify your research
A Quality High Dividend Yield ETF to Know About
If you are looking for a quality high dividend yield ETF, look no further than VYM
September 2021
An Extremely Simple 3 ETF Portfolio to Consider
Investing for the long term does not have to be complex
5 Categories to Assist You with Establishing a Quick Monthly Budget
Make understanding your money easy for yourself
A Quick Breakdown of the NASDAQ Next Gen 100 ETF (QQQJ)
A representation of potential NASDAQ 100 members
August 2021
What Options Do I Have If I Want a Credit Limit Increase?
Know what to do if you want to increase your credit limit
July 2021
3 Quick Steps on How to Use an ETF to Simplify Your Long-Term Investing
Make long-term investing easy
June 2021
A Technology ETF You Can Never Go Wrong With
Simplify gaining exposure to the strongest technology companies
The Technical Indicators I Currently Use for Long Term Investing
Make technical analysis easy for yourself
May 2021
3 Quick Points to Simplify Ethereum
Gain a better understanding of the decentralized open-source blockchain platform
An IPO Focused ETF to Know About
Easily track or gain exposure to companies that have recently gone public
April 2021
What Does It Mean for a Company to Sandbag?
_Understand why a company may underestimate its performance
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_Gain investment exposure to substance vital for all known forms of life
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2 ETFs That Provide Exposure to African Companies
Gain exposure to companies in fast-growing economies
3 Quick Points to Help Assess Your Risk Management When It Comes to Investing
Reduce risks for yourself
March 2021
3 No Annual Fee Travel Credit Cards to Know About for Summer 2021
Appealing cards for the infrequent traveler
2 Reasons Why You Should Stop Being Distracted by Others Investment Strategies
Focus on your strategy
2 Quick Points to Simplify the SEC Form 13F
Gain insight into what top institutional investment managers are invested in
3 Quick Points to Help Narrow down Your Investment Focus
Invest in companies that are high conviction to you
A Simple Tool to Use to Find What Credit Cards You Prequalify For
Simplify finding the right credit card for yourself
February 2021
5 Quick Points to Simplify the Federal Housing Administration Loan
One of the most important loan products to understand
A Simple Way to Find the 1-Year Target Price of an ETF
Target Price isn’t everything, but it can simplify your investing
3 Simple Technical Indicators for Long-term Investing
Make understanding price action easy for yourself
5 Simple Factors to Consider When Doing Fundamental Analysis
Make fundamental analysis easy for yourself
2 Cybersecurity ETFs to Know About
_Become familiar with the companies leading the cybersecurity space
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3 Quick Steps to Find the Right New Credit Card in 2021
Make choosing the right credit card for yourself simple
3 Quick Points to Simplify the Automated Customer Account Transfer Service
The way to transfer securities from one brokerage account to another
January 2021
2 Quick Points to Simplify Venture Capital Firms
How companies with high growth potential can raise money in their early stages
2 Quick Points to Further Understand Credit Card Annual Fees
Understand if you are willing to pay an annual fee or not
3 Tips to Help Improve Your FICO Score in 2021
Boosting an important factor that determines your creditworthiness
2 Quick Points to Further Examine Mega Cap Companies
Understand what characterizes the largest companies
December 2020
3 Artificial Intelligence ETFs to Watch in 2021
ETFs that provide exposure to companies leveraging powerful technology
3 Autonomous Vehicles ETFs to Know About
ETFs that contain companies that will change land transportation
3 Simple Steps to Take so That You Never Pay Interest on a Credit Card Ever Again
Avoid charges that you should never experience
3 of the Top Cashback Credit Card Offers for December 2020
Offers to consider if you are looking for a new credit card
3 Bond ETFs to Add to Your Watchlist
One of the easiest ways to watch and gain exposure to the bond market
3 Quick Points to Simplify Index Futures
_Securities that allow one to hedge risks and speculate market direction
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November 2020
2 Quality High Dividend Yield ETFs You Should Know About
If you are looking to build a dividend portfolio, you should know about these 2 ETFs
The 7 Factors of the Fear & Greed Index That You Should Understand
Become aware of the index that showcases what emotions are driving the markets now
2 Cannabis ETFs to Add to Your Watchlist
With increased legalization nationwide, these ETFs are ones to watch
5 Simple Tips to Improve Your Credit Score Faster
Put yourself in a position to qualify for any rewards credit card or low-interest loan product
3 Quick Points to Simplify the Snowball Method to Pay off Debt Quicker
Do not allow your debt to overwhelm you
October 2020
Will it be correct for the upcoming election?
A Simple Way to Calculate the Target Price of an ETF
Gain a clearer understanding of the future price of an ETF
A Simple Way to Calculate the Target Price of a Stock
Create a clearer prediction of a stock’s future price
Gain exposure to companies working on vaccines and new healthcare technologies
September 2020
The Differences Between a Traditional and Roth 401(k)
Understanding the differences between the two retirement plans
4 Reasons Why You Should Always Use a Credit Card over a Debit Card
_4 simple reasons you should understand
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August 2020
3 Things to Consider Doing If Your Credit Limit Is Cut
Getting your credit limit cut is not convenient, but learn what you can consider doing
A Quick Breakdown of the 5 Categories of Your FICO Score
A better understanding of the most used credit scoring model
4 Quick Points to Simplify Your Credit Card Research Process
Use these points to ease your credit card research process
2 Utilities ETFs to Know About
_A quick break from information technology and consumer discretionary
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The 2 Perspectives of Tesla’s Stock Split
The benefit of the stock split from an employee’s and investor’s perspective
Differentiating Large-Cap, Mid-Cap, and Small-Cap Companies
_Understand the breakdown of market capitalization classifications
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4 ETFs with High Exposure to Alphabet
Gain exposure to Alphabet at a lower cost than its current price
3 Reason Why You Should Use This Simple Value & Dividend Stock Analysis Tool
Use this tool to save time during your stock research process
July 2020
4 Major Indices That Amazon Is a Member Of
Gain exposure to Amazon for less than its current price through ETFs that track the 4 major indices
3 Simple Steps to Paying Your Full Credit Card Statement Balance Every Month
_Avoid unnecessary interest charges and debt
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2 Ways General Travel Cards Differentiate from Airline Cards
_It boils down to the benefits you want
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4 Quick Points to Simplify an Economic Moat
_Can you define the advantages of that company you want to invest in?
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3 Reasons to Stop Worrying About Your Unrealized Investment Losses
_The stock market is volatile, relax
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June 2020
A Quick Breakdown of the 2 Key Numbers of the Employment Situation Summary
_A report you should familiarize yourself with
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3 Quick Points to Simplify Circuit Breakers
_A regulatory measure you should understand as an investor
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4 Ways to Overcome Analysis Paralysis When It Comes to Investing
_Get off the sideline, it is time to act
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2 Quick Points to Simplify Annual Percentage Yield
_You have a savings account, so you need to know what it is
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May 2020
3 Mistakes to Avoid Before Applying for a Credit Card
_We all make mistakes, just make sure to not make these mistakes
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The 6 Factors of Your Credit Score and Why Each Matters
_Understanding these 6 factors are key for long-term financial success
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3 Reasons Why I Have the American Express Blue Cash Preferred Credit Card
The benefits this credit card has offered me so far have been great, but will this be a card I will hold for the long-term?
3 Simple Steps to Create Your Investment Strategy
_Your investment strategy does not have to be complex
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3 Simple Steps to Supercharge Your Savings
The concept of saving money is a concept we need to all understand and master for our long-term financial success
4 Steps to Take to Act on Your Goals
These 4 simple steps will set you on the right path for achieving your goals
3 Quick Points to Simplify Beta
Beta is a statistic that is necessary to understand regarding volatility in the stock market
4 Technical Indicators I Use in Technical Analysis
Understanding technical indicators will allow you to better understand stock movements
4 Fundamental Indicators I Use in Fundamental Analysis
Being able to understand the purpose of key ratios is necessary for conducting solid fundamental analyses
A Quick Overview of the 3 Financial Statements
The 3 financial statements are key to fundamentally understanding any publicly-traded company
5 Reasons Why Robinhood Is My Favorite Securities Broker
The big picture here is to find the securities broker that will allow you to reap the most benefits
April 2020
4 Quick Facts That Simplify ETFs
_ETFs are investment securities you should know about and understand
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5 Mistakes I Made When I First Started Investing in the Stock Market
_The mistakes I made were valuable lessons that I am thankful I learned from early on
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4 Reasons Why the Amazon Prime Rewards Visa Is My Favorite Credit Card
It is nice to have a credit card that can reap you many benefits. Here is why the Amazon Prime Rewards Visa is my favorite
6 Reasons Why the Deserve EDU Can Be Your Starter Credit Card
Looking for a starter credit card can be a bit confusing. The Deserve EDU made that decision easy for me
5 Reasons Why I Have 6 Credit Cards at the Age of 22
Credit cards were something I once did not know much about, but now I have 6. Here are the reasons why
7 Tips for Living on Your Own After College
Moving to a new city to live on your own can be exciting and daunting. Here are tips that have helped me in this new stage of my life
Simple Financial Literacy
Simple Financial Literacy: 14 Tips to Become a Master of Your Finances
Financial literacy is a fundamental topic in our lives but is unfortunately overlooked due to its nature of being seen as complex and not interesting. I agree, all the weird jargon about budgeting, saving money, and investing can be extremely unfriendly. I want to let you know that financial literacy is not meant to be complicated. It is something that you can master to better position yourself for long-term financial success.I would like you to take a quick look at your bank, credit, and investment accounts. What goals have you generated for yourself regarding where you want to be financially? Do you have a true understanding of how you can start the process of making your money work for you? How are you planning to reduce your debt? Are you familiar with the taxes you pay? Do you have different forms of insurance to protect yourself? Do you think that you are effectively managing your finances?Simple Financial Literacy: 14 Tips to Become a Master of Your Finances is a guide that will make sure you can answer those questions. The 14 tips that will be broken down for you are:1. Developing Your Mindset
2. Understanding How to Create Goals
3. Establishing Your Budget
4. Supercharging Your Savings
5. Reducing Debt
6. Creating Your Investment Strategy
7. Developing Your Investment Research
8. Understanding Retirement Savings
9. Becoming Understanding of Credit
10. Simplifying Your Credit Card Research Process
11. Understanding Your Taxes
12. Understanding Life Insurance
13. Understanding the Other Key Insurances
14. Incorporating a Financial Management ToolKnowledge is power, but without action, it is useless. Simple Financial Literacy gives you the knowledge to act now. You can access it here.
About
My name is Tunji Onigbanjo. I graduated from the University of Maryland, College Park, with a B.S. in Finance in 2019. My interest in finance has fueled me to create content about personal finance. There is a lot of information available on the internet, but the issue is that it is not always in a simple-to-understand format.With my work, I wish to change that. I believe that everyone should be able to become a master of their own finances. Everyone should learn how to save money, invest, and use credit to set themselves up for long-term financial success. Some things in life are not meant to be complicated, and becoming financially literate is one.
Contact
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