The Money MuscleThe Money Muscle
  • About Me :)
  • Budgeting and Saving
    • Budgeting: An Easy 6 Step Process
    • Budgeting: Financial stretching of your Money Muscle
    • Psychology of Budgeting: The diet for your money
    • 5 Budgeting Mistakes and How to Fix Them
    • 10 Ways to Save Money (and Still Live Your Life)
    • Payday Loans: The Spiral of Headache and Pain
    • 5 Ways to Limit Your Food Budget
    • Saving Money: Do You Invest or Not?
    • 6 Reasons You Are Broke (And how to not be)
    • Paying Down Debt Fast: 4 Positives and 3 Considerations
    • Emergency Fund Size: How Much Money Do I Need?
    • The Importance of an Emergency Fund
    • Title Loans: A Debt Trap That You Don’t Want
    • Where to Save (and not Save) an Emergency Fund
    • What is Inflation: And How it Affects Your Money
    • 3 Ways to Get Out of the Payday Loan Cycle
    • Pay Off Debt Or Invest My Extra Money: A Checklist
    • What Should I Do With an Inheritance?: Make Them Proud
    • What Should I Do With a Bonus?: How to Spend it Wisely
    • FOMO: The Fear of Missing Out
  • Taxes
    • How Tax Brackets Work: Don’t be Afraid to Make More Money
    • What Should I Do With a Tax Refund?
    • FICA Tax: How Much Comes Out of Your Paycheck?
  • Insurance
    • Annuities
      • Fixed Annuities: A Good Way to Get Tackled By Inflation
      • Equity Indexed Annuities: You’re Better Off Not…
    • Health insurance
      • How Health Insurance Works: The 6 Most Important Parts
      • Picking the Right Insurance Plan: 6 Factors to Think About
      • Public Exchange Health Insurance: You Have 4 Options
      • High Deductible or Low Deductible? Picking the Right Healthcare Plan
      • How to Pick the Right Health Insurance Plan
    • Life Insurance Life insurance is an essential part of your financial life. ESPECIALLY if you have people depending on you and/or your income.
      • Life Insurance Riders: The 6 Most Common Add-Ons
      • Do I Need Life Insurance? A Simple Guide
      • Whole Life Insurance: A Really Poor Decision
      • Term Life Insurance: What is it and Who Needs it?
      • Indexed Universal Life Insurance: Not in Your Best Interest
      • What Kind of Life Insurance Do I Need?
    • How Dental Insurance Works: 7 Things to Know
    • How Vision Insurance Works: 5 Things to Know
    • Health Savings Account: Superfood For Your Money
    • FSAs: It’s Your Money, Use it or Lose it
    • Benefits of HSAs: 5 Reasons These Are GREAT Accounts
    • Benefits of FSAs: 2 Major Reasons to Have One
    • HSA Cash Account or HSA Investment Account: Benefits and Drawbacks
    • The Differences Between HSAs and FSAs: 3 Big Ones
    • Limited Purpose FSA: Having the Best of Both Worlds
  • Student Loans
    • Types of Student Loans: Which is Best for You?
    • Student Loan Repayment Options: How to pay back your student loans
    • Public Service Loan Forgiveness: A great way to NEVER pay off your student loans
    • 6 Main Types of Student Loan Forgiveness: Which ones work and which ones don’t
    • How Student Loans Work: What to look out for
    • Subsidized and Unsubsidized Student Loans: Pay Back Less Money
    • Student Loan Statistics That Will Make You Cringe
    • How to Pay for College
    • Picking the Right College: How to Avoid Student Loans
    • 3 Reasons for Taking a Gap Year
    • Working in the Trades: A GREAT Way to Avoid Student Loans
    • Going into the Military to Pay for College
  • Investing
    • Stocks
      • Stocks: 4 benefits and 3 drawbacks of owning stocks
      • Mutual funds: What they are and how they can help you.
      • Index Funds: 5 ways to benefit from them
      • ETFs: Lower fees low to maximize your investing money
      • The Differences Between Mutual Funds, Index Funds, and ETFs
      • Preferred Stock: The interesting cousin to common stock
      • What Are Dividends: Get that regular check in the mail!
      • Common Stock: It’s what your friends are REALLY buying
      • What is the Dow Jones Industrial Average?
      • What is the S&P 500?
      • What is the NASDAQ? Two Things in One
      • What is the Russell 2000?
      • Dividend Dates: Dates to Know to Get Your Money
    • Bonds Bonds are an investing instrument where you essentially loan your money to a business, government entity in exchange for periodic payments (usually) and your original investment back at a later date.
      • Bonds: What they are and what to look out for
      • General Obligation Bonds: Repaid by the Taxpayer
      • Revenue Bonds: Tax Free Returns to Help the Community
      • What are ETNs? What makes them special?
      • Zero Coupon Bonds: Not Great for Most People
      • I Bonds: A Predictable Way to Earn Interest
    • Investing Analysis If you are going to invest in vehicles that are not your traditional retirement accounts then you need to know how to evaluate them. You can do this in a number of ways. But the two main ways are technical analysis and fundamental analysis. Here are some topics that you need to be familiar with when investing in things outside of your retirement plan.
      • WARNING: AVOID These 6 Things When Investing
      • Diversification: The body armor of your portfolio
      • Balancing Risk and Reward: From a bank account to a lottery ticket
      • Investing Risk Tolerance: How Much Spicy Do You Want?
      • Earnings Per Share: This is Just the Beginning
      • Dollar Cost Averaging: Take Less Risk and Get More Reward
      • Beta: Measuring Risk and Reward in Your Investments
      • Market Cap: How to Determine the Size of a Company
      • P/E Ratio: How Much Profit Does the Company Make?
      • Alpha: Comparing Multiple Investments in the Same Sector
      • Capital Asset Pricing Model (CAPM): How Rich Will You Be?
      • Opportunity Cost: Choose One, But Not the Other
    • 3 Different Kinds of Financial Advisors (and how to pick the right one)
    • Questions to Ask a Financial Advisor: The 5 most important ones!
    • ESG Investing: Let your money have an IMPACT
    • Variable Annuities: High Commissions for Little Benefit
    • Fixed Annuities and Variable Annuities: Not a One-Size-Fits-All Product
    • Investing in Cryptocurrency: 6 Reasons to Proceed with Caution
    • The 3 Ways How Financial Advisors Get Paid
    • Do I Need a Financial Advisor?
    • 5 Common Investment Fees That Cost You Money
    • Robo Advisors: 6 Reasons Why You Need Them and Why You Don’t
    • Online Financial Advisors and Who Would Benefit from One
  • Side Hustles
    • Driving for Uber and Lyft: How to get started and how much I make
    • Tips for Being a Successful Uber Driver
    • Amazon Flex: How much money you can make as a good side hustle
    • Donating Plasma: Saving lives and making money
    • Delivering for DoorDash: How much money I make
    • Teaching as a Side Hustle: Scale what you know
    • Flipping Couches: Make a Couple Hundred Bucks THIS Weekend
    • 8 Ways to Make Extra Money This Weekend
    • Pallet Flipping: How I Doubled My Money
  • Retirement
    • Retirement Acounts This includes the different types of retirement accounts.
      • Types of Retirement Accounts: IRA
      • Types of Retirement Accounts: Roth IRA
      • Types of Retirement Accounts: 401k
      • Types of Retirement Accounts: 403b
      • Types of Retirement Accounts: SIMPLE IRA
      • Types of Retirement Accounts: SEP
      • Types of Retirement Accounts: SARSEP
      • Types of Retirement Accounts: Payroll Deduction IRA
      • Types of Retirement Accounts: Profit Sharing Plans
      • Types of Retirement Accounts: Defined Benefit Plans (Pensions)
      • Types of Retirement Accounts: Money Purchase Plan
      • Types of Retirement Accounts: Employee Stock Ownership Plan (ESOP)
      • Types of Retirement Accounts: Thrift Savings Plan (TSP)
      • Types of Retirement Accounts: 457 Plan
    • Adjusting Down Risk As You Get Older
    • Your Retirement Account: 3 Things You MUST Know
    • Taxes on Retirement Accounts: How in the world does that work?
    • Different Types of Retirement Accounts: From 10,000 Feet
    • The Order of Retirement Investments: Be Old (But Wealthy)
    • What Do You Do With An Old Retirement Account?- 4 Options
    • Getting Started Saving For Retirement: 5 important steps
    • 401k Employer Match: You NEED to take advantage NOW
    • Should I Take Money Out of My 401k Early?
    • How Much Money Do I Need to Retire? A Calculator
    • How Inflation Affects Your Retirement Accounts
    • How to Use an HSA for Retirement
    • Target Date Funds: A Great Place to Start Investing Money
  • Credit
    • Parts of a Credit Report: And how you can improve yours
    • Payment History: Begin here to maximize your credit score
    • Collection Accounts: How old debt wrecks your credit score
    • Credit Card Utilization: 30% of your credit score (and how to improve it)
    • Credit History Length: Balancing old and new credit cards
    • Hard Credit Pull VS Soft Credit Pull: Limiting the effect on your credit score
    • Removing Collections From Your Credit Report: Like they never existed
    • Credit Mix: Bankers tell you it’s more important than it REALLY is
    • Credit Inquiries: The most frustrating part of your credit score
    • 7 Steps of How to Deal With Collectors
  • Credit Cards
    • Credit Card Interest Breakdown: How you are getting screwed
    • The 3 Ways To RESPONSIBLY Use Credit Cards
    • Credit Card Fees: A Great Way to Get Kicked in the Pants
    • Credit Card Benefits: PLEASE don’t have credit card debt to get reward points
    • Building Credit With Credit Cards: 3 Ways to do it
    • Dangers of Using Credit Cards: 3 Things Important to Avoid
  • Vehicles
    • Car Buying Guidelines to Save You the Most Money
    • Selling a Vehicle: Trade-In or Private Sale?
    • How Much Car Should You Buy: 4 Rules to be Strong with Money
    • 3 Car Buying Rules to Save You Money and Time
    • The BEST Point Of Contact When You Are Car Shopping
    • GAP Insurance: Why You Need It (or Don’t)
    • Buying a New Car or Used Car
    • Getting a Car Loan at the Dealership: Is there a better way?
    • Buying a Car From a Private Seller
    • Extended Warranties for Vehicles: Steering You in the Right Direction
    • Choosing the Right Car to Buy
    • 5 Things to NOT Say to a Car Salesman
  • Housing
    • The House Buying Process: 11 Steps to Become a Homeowner
    • How Much House Can I Afford? The Two Most Important Numbers
    • Hiring a Realtor: 7 Reasons You Should
    • Mortgage Payment: 6 Parts You Need to be Aware of
    • Private Mortgage Insurance (PMI): You Pay for the Bank
    • 6 Advantages and Disadvantages of Owning a Home
    • Equity: A Ten-Dollar Financial Term that is Pretty Simple
    • Am I Ready to Buy a House? 6 Things to Do Before You Sign Your Name
    • Choosing a Realtor: 4 Things You Need to Have
    • 4 Ways to Take Equity Out of Your Home
    • 5 Things to Avoid When Buying a House
    • What is Overbuilding the Neighborhood and How to Avoid it
    • The 3 Ways to Build Equity in Your Home
    • Home Equity Line of Credit (HELOCs): A Full Explanation
    • Should I Pay Off My House: A Million Dollar Decision
  • Financial Coaching Session With Doug

private seller

Vehicles

Buying a Car From a Private Seller

Buying a vehicle can be a stressful process. It can be even more stressful when you are buying a car from a private seller if you don’t know what you are doing or what to look out for. Here are some tips to use when you are buying a car Read more…

By Mr. Muscle, 2 yearsFebruary 17, 2023 ago
Recent Posts
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Categories
  • Annuities
  • Bonds
  • Budgeting and Saving
  • Credit
  • Credit Cards
  • Health insurance
  • Housing
  • Insurance
  • Investing
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  • Life Insurance
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  • Retirement Acounts
  • Side Hustles
  • Stocks
  • Student Loans
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  • About Me :)
  • Budgeting and Saving
  • Taxes
  • Insurance
  • Student Loans
  • Investing
  • Side Hustles
  • Retirement
  • Credit
  • Credit Cards
  • Vehicles
  • Housing
  • Financial Coaching Session With Doug
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