Amazon has grown from a direct retailer to a thriving marketplace with third-party sellers now bringing in 61% of its total sales. This creates opportunities for founders like Ron Earley, CEO of Greywolfe Investing, a wholesale automation company specializing in Fulfillment by Amazon (FBA) services. Thanks in part to the FBA business model Amazon’s marketplace has seen incredible growth, with independent sellers hitting new revenue milestones garnering the attention of the next era of digital entrepreneurs and investors alike. The Breakdown You Need To Know: The platform keeps gaining momentum as third-party seller services generated $156.1 billion in 2024, according…

The Annual Percentage Rate is a fundamental concept in finance. It represents the total cost of borrowing money, expressed as a yearly percentage. Whether applying for a mortgage, credit card, personal loan, or auto loan, understanding APR is crucial for making informed financial decisions. This article explores what APR is, how it works, and strategies to secure a lower rate. What Is APR? APR provides a standardized way to compare different loan and credit offers, ensuring transparency for borrowers. Unlike simple interest rates, APR reflects the total cost of a loan, including origination fees, closing costs, and other charges. This…

A huge number of student loan borrowers may need to change their repayment plan this year, as federal courts and Congress make moves that could fundamentally reshape the federal student loan system. And many of these borrowers may experience an increase in their monthly payments as a result. The assault on the current federal student loan repayment system is happening on two fronts. Earlier this week, a federal appeals court issued a sweeping decision that signaled that the SAVE plan, as well as student loan forgiveness under two other income-driven repayment plans, are likely to get struck down. Meanwhile, congressional…

When it comes to personal finance, the hardest step isn’t opening a bank account or building a budget. It’s realizing that change is necessary in the first place. Many people find themselves stuck in a state of “unawareness” in behavioral psychology terms. They are stuck in the precontemplation stage of the Stages of Change Model, meaning they’re not even considering financial improvement yet. If you’ve ever thought, “I’m just not good with money” or “my finances are fine the way they are,” you might be in this stage without even realizing it. The good news? You don’t have to take…

Recently many people have been concerned about boycotting based on racial equality but have not thought of aligning that to their Roth IRA investments. While this article highlights Roth IRA investing this could be applied to all investing. I am only applying this values alignment idea to the pursuit of retirement, through the Roth IRAs tax deferral and tax free withdrawals benefits. This is intended to show that aligning racial equality values with retirement is not a short-term fringe investing idea, but a long-term core strategy. While companies may decide to pull back on their DEI initiatives, individual investors do…

Would You Qualify For A Trump DOGE Dividend Check? Elon Musk’s recent consideration of a $5,000 DOGE Dividend check and Trump’s support the following day have sparked interest as well as debate over its feasibility. While such a payment could significantly boost American households, distributing large-scale financial aid comes with a hefty price tag. Critics of a DOGE Dividend check have argued that it would add inflationary pressure and compete with other administration tax priorities. Many are also skeptical of Musk’s goal to find $2 trillion in actual savings. Even Musk has backtracked from the $2 trillion figure, saying in…

How Big Would A Potential Trump DOGE Dividend Be? The latest proposal making the rounds in Washington is the Trump DOGE Dividend, a creative idea designed to funnel a portion of projected federal savings into direct payments for American households. Originally introduced by James Fishback, the plan envisions channeling 20% of the savings generated by the Department of Government Efficiency directly back to the public. On Wednesday, President Donald Trump added his support to the concept, underscoring the potential of this initiative as both a policy tool and a powerful branding statement. An open question remains about how big a…

A federal appeals court issued a significant ruling this week that dealt a major blow to several popular federal student loan repayment plans that, until now, led to eventual student loan forgiveness. Millions of borrowers could be impacted by the fallout from the decision. The court ruling stems from a legal challenge brought by Republican-led states over President Joe Biden’s SAVE plan, one of several income-driven repayment (or IDR) options that allow borrowers to make payments based on their income and family size, with any remaining balance forgiven after 20 or 25 years. In its decision this week, the 8th…

A tax refund is money the government returns to you because you paid more in taxes than you owe during a tax year. This often occurs due to employer withholding, tax credits, or deductions. While many people view tax refunds as a financial windfall, they are actually a repayment of an interest-free loan made to the government. This article discusses how tax refunds work, strategies for maximizing them, and how to use them wisely. Overview Of How The IRS Tax Refund Works The U.S. tax system operates on a pay-as-you-go basis. Employers deduct taxes from employees’ paychecks throughout the year…

The Potential Impact Of Musk’s Proposed $5,000 DOGE Dividend Checks On American Households Elon Musk recently indicated potential interest in a $5,000 stimulus check payout to American taxpayers, termed the DOGE Dividend check. On Wednesday, President Trump added his support to the potential DOGE refund saying, “there’s even under consideration a new concept where we give 20 percent of the DOGE savings to American citizens. The numbers are incredible, Elon, so many millions, billions, hundreds of billions.” To understand its potential impact of a DOGE Dividend on Americans, we can compare the proposed amount to typical tax refunds and previous…