TessMore Finance Blog

You don’t need a degree to have a rewarding career that pays well . As a matter of fact, pursuing a trade job is a common option for those who choose not to go to college or university. Whether you set your sights on following a trade job or you’re still unsure about your future, we’ve compiled a list of the highest-paying trade jobs to guide you toward what relatively degree-free career is right for you.   See Average U.S. Salaries   What Is a Trade Job In a nutshell, trade jobs are positions that don’t usually require a Bachelor’s degree. Instead, they require specific training—whether it’s from a vocational school, on-the-job training, or apprenticeships. Unlike a typical four-year college, trade school usually takes less time to complete—from eight weeks to two years—and you participate in a more hands-on training program to qualify you for the job. In some cases, aspiring trade workers will do a couple of years of apprenticeships for experience-based education. Commonly, t

The finance industry may traditionally be a male-dominated space, but more women are making their voices heard. They’re blogging, podcasting, authoring books and gaining massive social media followings as they chart paths as bonafide personal finance influencers. And they’re helping countless other women increase their financial literacy and build wealth along the way. 8 Female Financial Influencers to Follow Here are just a handful of the female financial influencers you ought to have on your radar. 1. Tori Dunlap of Her First $100K Tori Dunlap is a self-proclaimed financial feminist who is taking on the patriarchy with her mission to make women rich. Her personal story of saving $100,000 by age 25 inspired others and led her to develop her brand Her First $100K . Tune into Dunlap’s Financial Feminist podcast or join her investing education platform, Treasury . 2. Erin Lowry of Broke Millennial Erin Lowry is the founder of Broke Millennial , but she’s definitely not broke.

If you already got your four free at-home COVID tests from the federal government, you can now order four more free tests. Tests are free regardless of whether you have health insurance. On March 8, the government website, covidtests.gov , started allowing households that previously received four free tests to order another round of tests. Households that haven’t already ordered their four free tests can now receive eight tests at no cost. When the Biden administration first made free home tests available in January, COVID cases were surging due to the Omicron variant. But with cases waning, demand for home tests has plummeted. Now the federal government has an oversupply of tests. How to Get 4 More Free COVID Tests The government’s website allows every home in the U.S. to order free rapid antigen tests that deliver results in 30 minutes. PCR tests aren’t available. Tests are expected to ship within seven to 12 days, according to the website. Signing up for your free tests is incr

Two words to describe buying a home over the last two years? Increasingly expensive. The price of homes in the United States appreciated 19.9% between August 2020 and August 2021, a 12-month record, according to S&P Dow Jones LLC . Depending on whom you talk to, the market is expected to continue to stay hot this year, though at not quite the same rate as 2021. So what should you be thinking about if you’re easing into this hot market in 2022? Here are some important things to know. 5 Tips for Buying a House in 2022 1. Yes, You Can Buy a House in a Seller’s Market Honestly, it’s doable . A pre-approval letter is a great way to get started, showing the seller that you can be depended on. Submit an offer quickly, and go in planning to minimize your contingencies. Then, be willing to offer a generous earnest money deposit, offer above asking price and be willing to move quickly. It is a seller’s market after all, so they have the leverage. But if you’re willing to make a fe

The Vanguard S&P 500 ETF (VOO) and the Vanguard Total Stock Market ETF (VTI) are two of America’s largest and most popular investment funds. They’re also among our top-rated Vanguard funds here at Wallet Hacks. Not only are they a hit with individual investors, but both are commonly included in top robo-advisor portfolios. Each ETF represents the general US stock market in a portfolio. But in a head-to-head comparison (VOO vs. VTI), is one better than the other? It can be a difficult decision because not only are the two funds similar in so many respects but they’re both provided by the same fund family – Vanguard . The major differences between the two mega-funds boil down to seemingly small details that might make all the difference. Let’s drill down on the two funds and see which one might work better for you. Table of Contents VOO vs. VTI – How Each Works VOO vs. VTI – A Direct Comparison Portfolio Breakdown Fund Data Performance History VOO vs. VTI – Is One Bett

It's true that cybercrimes have ruined lots of lives. It can be extremely dangerous when cybercriminals, who stole your sensitive personal information, decided to use it for nefarious purposes. It could put you and your family in a very precarious situation. It can lead to being hacked to death. The truth is, many people have died. Families have been ruined. And millions of dollars have been spent to combat the problem all to know avail. Some of us have heard of the horrific stories. But do you know there is a simple solution to the problem? In this post, you'll learn how to fix the problem and stay safe at all times FOR FREE. However, before I delve into that, let me talk about some really disturbing stories you should learn from: 1. Alisha was hacked to death. When her corpse was discovered, autopsy revealed that it sustained several knife wounds. Further investigation also revealed that it all started when cyberminals stole her personal information and used it to prey on her

Estate planning has long provided mechanisms for passing on bank accounts and retirement accounts such as IRAs and 401(k)s. In most cases, the owner designates a beneficiary, which provides for a smooth transfer of assets after the owner’s death. But what about newer digital assets, like money in your Robinhood portfolio? Or the balance of your account in PayPal? And what about your cryptocurrency — which may be protected by a private key only you have access to? What Happens to My Crypto When I Die? Crypto is no longer an obscure novelty. More Americans than ever before are buying digital currency . But without a solid plan in place, your loved ones may never see those coins after you die. There are two main ways to own cryptocurrency — and how it’s stored makes a difference in estate planning. Two Ways to Own Crypto A crypto exchange : Casual crypto investors mostly use large exchanges, such as Binance and Coinbase. The user experience is similar to a brokerage firm (i.e. th

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners . Bills, bills, bills. They never seem to end, do they? They take more and more out of your account each month before you even realize it. You can’t escape them entirely (wouldn’t that be great?), but you can stop them from being so darn painful every month. All it takes is ending your loyalty to a few companies you currently use for bills and fees that come every month. Trust us, they won’t miss you. And you definitely won’t miss them — especially when you realize how much money you’ve been needlessly throwing away every month. 1. Your Credit Card Bill:  Ask This Website to Help Pay Your Credit Card Bill This Month If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessa