The top picks of November are a bit late this month because I was in Italy for three weeks in November. It was an amazing trip that I will never forget! When you combine the history, architecture, churches, and landscape with the pizza, pasta and gelato you just have to see it and experience yourself to believe it!
With that said…here are my favorite top picks for November 2018! And, a new site with some valuable information for anyone no matter what step of the financial journey over at fiology.com. And, if you are growing increasingly weary of your online security here is a great article outlining how you can protect yourself by being (almost) invisible online!
Contents
Credit & Debt
Were My Student Loans Worth It? My Thoughts 7 Years Out – Millennial Boss
Let's face it – we as a country are facing a tipping point when it comes to student loans. This article goes into detail on the value of those loans and if they were really worth it or not!
Household debt hit a record high of $13.5 trillion last quarter – NBC News
This is the most ominous sign for the economy. With debt levels now exceeding all previous records it is time to take stock of your current debt (hopefully you don't have any!) and begin to come up with a plan to pay it down!
Investing
When Cash Outperforms Everything – A Wealth Of Common Sense
When of the many unfortunate side effects of keeping interest rates lower over longer periods of time is when they eventually do rise both equities and bonds are likely to fall.
Active Fund Managers vs. Computers: Who's Better At Managing Your Money? – Accidental Fire
Both funny and true at the same time! The compuers are coming! #FinTech
The Periodic Table of Investments – Visual Capitalist
Really interesting chart on the various investment options outlined in the periodic table! Also from the visual capitalist on the business value of the blockchain.
A Bond Yield Makes It Clear Which Duration You Must Choose – Financial Samurai
Another consequence of keeping interest rates down for so long is that short term bonds might be your best bet!
Passive Income
The Best Passive Income Ideas That Actually Work – PT Money
Easy ways to make passive income! No excuse for not starting today!
Personal Finance
40 Money Lessons Learned After 40 Years on This Earth – Budgets Are Sexy
Great list of money lessons that you will surely find some use for no matter how old or which financial stage you are at.
What a Financial Trainwreck Can Teach Us: Six Mistakes to Learn From – The Simple Dollar
There is nothing fun about this story but if you can learn some lessons from it – it is worth reading!
Real Estate
Why I Love My 15 Year Mortgage – Chief Mom Officer
This is a great article covering most of the major differences between a traditional 30 year mortgage and a 15 year mortgage. Hands down a 15 year is almost always going to be the better option and this article fully explains why. In fact, if 15 year mortgages were the only option I would bet that homes would be a lot more affordable. This post is another article covering the benefits of a 15 year mortgage.
Saving/Minimalism
Why Don't Americans Save? – Get Rich Slowly
Scary statistics! Only 28% of Americans are considered financially healthy. Plus, much more!
Ideas for a Debt-Free Christmas – The Minimalists
Speaking of 28%. Today, 28% of shoppers are still in debt from last year's Christmas! Here are some ideas so you aren't part of this percentage next year!
Disconnecting From The US Marketing Machine – 15oo Days
After being out of the U.S. for most of November this article rang especially true and I am sure will be useful for you as well!
For a look at other amazing content from the personal finance community be sure to check out Rockstar Finance.
To see previous months I have listed the top picks from all months on the top posts page.