Josh Brown

Josh writes about personal finance with a focus on actionable strategies and achieving financial goals. He translates complex financial concepts into practical steps that readers can implement in their daily lives. Josh is passionate about helping people build a solid financial foundation and work towards long-term security and independence.
How to Use Your Nexus Card Number for Fast Travel - Verified by FangWallet
6 min read

How to Use Your Nexus Card Number for Fast Travel

6 min readNexus Card Travel Benefits The Nexus card is part of the Trusted Traveler Programs. It helps you get through borders, airports, and places where boats check in more quickly. Members get to use Global Entry and TSA PreCheck and can move through some land border crossings like the Ambassador Bridge much faster. Your Nexus card […]Continue reading "How to Use Your Nexus Card Number for Fast Travel" →
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Banking,Personal,Travel
6 min read
What Does It Mean When a Bond Has a Sinking Fund? - Verified by FangWallet
4 min read

What Does It Mean When a Bond Has a Sinking Fund?

4 min readA sinking fund requires regular payments toward the bond’s principal, ensuring timely repayment. It lowers the risk of default because the debt is repaid gradually over time. Commonly found in corporate and municipal bonds, it helps issuers manage repayment effectively. Bonds with sinking funds often offer lower interest rates due to reduced risk. This […]Continue reading "What Does It Mean When a Bond Has a Sinking Fund?" →
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Guides,Investing,Opinion
4 min read
How to Protect Yourself from a New Credit Card Skimmer - Verified by FangWallet
4 min read

How to Protect Yourself from a New Credit Card Skimmer

4 min readCredit card skimming involves the theft of card information using hidden devices. Skimming often occurs at public locations such as ATMs and gas stations where card readers are vulnerable. Criminals install overlay devices and use wireless tools to collect card data without detection. Malware-infected payment machines also pose a risk to cardholders. Suspicious card […]Continue reading "How to Protect Yourself from a New Credit Card Skimmer" →
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Banking,Credit Cards,Personal
4 min read
Employers Liability Insurance vs. Workers' Compensation - Verified by FangWallet
3 min read

Employers Liability Insurance vs. Workers’ Compensation

3 min readIntroduction Selecting the appropriate insurance coverage is essential for workplace safety and legal compliance. Two of the most commonly confused types are Employers Liability Insurance and Workers’ Compensation Insurance. Although both policies offer protection for businesses and employees following workplace injuries, they differ significantly in purpose, coverage, and legal requirements. Understanding how these policies function […]Continue reading "Employers Liability Insurance vs. Workers’ Compensation" →
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Career,Legal,Personal
3 min read
Grants or Loans? How to Choose the Business Funding - Verified by FangWallet
4 min read

Grants or Loans? How to Choose the Business Funding

4 min readGrants or Loans? How to Choose the Right Funding for Your Business Business grants are free money. You do not have to pay them back. They often come from the government, nonprofits, or companies. Business loans provide funds from banks or private lenders. You must repay them with interest. Grants and loans have different eligibility […]Continue reading "Grants or Loans? How to Choose the Business Funding" →
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Business,Debt,Loans
4 min read
Fixed HELOC: What You Need to Know Before You Apply - Verified by FangWallet
4 min read

Fixed HELOC: What You Need to Know Before You Apply

4 min readFixed HELOCs offer consistent monthly payments and a set interest rate, helping borrowers avoid surprises common with other loan types. Homeowners can use a revolving credit line during the draw period, ideal for ongoing expenses or home projects. A fixed HELOC protects borrowers from market fluctuations and rising interest rates. It can be used […]Continue reading "Fixed HELOC: What You Need to Know Before You Apply" →
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Josh Brown<span class="bp-verified-badge"></span> Josh Brown
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Debt,Loans,Mortgage
4 min read
Dual Enrollment: A Smart Path for Student Success - Verified by FangWallet
4 min read

Dual Enrollment: A Smart Path for Student Success

4 min readDual enrollment lets high school students earn college credit while completing high school coursework, helping them get ahead academically. It reduces the cost and time needed to earn a college degree, saving students and families money. Dual enrollment boosts college readiness, improves academic performance, and builds important learning skills. Programs are open to public, […]Continue reading "Dual Enrollment: A Smart Path for Student Success" →
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Josh Brown<span class="bp-verified-badge"></span> Josh Brown
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Education,Opinion,Students
4 min read
Top 5 Merchant Cash Advance Companies to Consider Today - Verified by FangWallet
7 min read

Top 5 Merchant Cash Advance Companies to Consider Today

7 min readMerchant cash advances (MCAs) let small businesses get money quickly when they need working capital. This can help them handle cash flow or grow their business. MCA providers like Credibly, Libertas Funding, and Fora Financial have special funding options with easy repayment plans. Most MCA approvals do not need a lot of credit history. […]Continue reading "Top 5 Merchant Cash Advance Companies to Consider Today" →
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Business,Loans,Personal
7 min read
Why Olin Stock Is a Good Buy Now: Growth and Savings Ahead - Verified by FangWallet
3 min read

Why Olin Stock Is a Good Buy Now: Growth and Savings Ahead

3 min readOlin Corporation recently unveiled improved guidance and announced new cost-saving measures, presenting a compelling investment opportunity. With a focus on efficiency and growth, Olin is proving to be a bargain for savvy investors looking for value in today's market.Continue reading "Why Olin Stock Is a Good Buy Now: Growth and Savings Ahead" →
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Business,Investing
3 min read
how to calculate times interest earned
8 min read

How to Calculate the Times Interest Earned Ratio Easily

8 min readThe times interest earned (TIE) ratio is a key financial tool. It helps to check a company’s ability to pay off its debt and interest. You find this ratio by dividing EBIT (Earnings Before Interest and Taxes) by the total interest expense. It shows how financially stable a company is. A higher TIE […]Continue reading "How to Calculate the Times Interest Earned Ratio Easily" →
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Banking,Guides,Personal
8 min read
Smart Ways to Save for a Home While Paying Rent - Verified by FangWallet
6 min read

Smart Ways to Save for a Home While Paying Rent

6 min readSaving for a down payment while renting can be challenging but achievable. Start by creating a budget that prioritizes savings. Set up a separate savings account specifically for your down payment and consider using automatic transfers to grow your fund effortlessly.Continue reading "Smart Ways to Save for a Home While Paying Rent" →
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Josh Brown<span class="bp-verified-badge"></span> Josh Brown
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Guides,Opinion,Personal
6 min read

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