Element Blog

The Secret History of the Wall Street Bull

The Secret History of the Wall Street Bull Bulls and bears can be considered the unofficial mascots of the stock market. They represent the upward and downward movements of the stock market over a period of time and have even come to describe investor behavior (optimistic investors are said to be bullish, while investors with […]

5 Ways to Lower the Cost of Tuition Before Considering a Student Loan

5 Ways to Lower the Cost of Tuition Before Considering a Student Loan If you’re considering financing your college education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need. (This advice applies to pretty much all loan products, by the way.) […]

The Challenges of Choosing a Career

The Challenges of Choosing a Career “When I grow up, I want to be a ___________.” Depending on who you are, filling in the blank above can be an exciting, troubling or outright confusing task. If you happen to be a kindergartner, filling in the blank is awesome, because at that age, dinosaur and superhero […]

Use Psychology to Build a Budget You’ll Stick With

Use Psychology to Build a Budget You’ll Stick With When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s “good” and what’s “bad.” In personal finance, there are some classifications that we can all agree on: Debt is bad. Emergency funds are good. […]

Earning Money Online: What’s Your Time Worth?

Earning Money Online: What’s Your Time Worth? It’s hard to ignore the appeal of making real money online—after all, we live in a world where bloggers land book and movie deals, where top YouTubers are multimillionaires and where celebrities collect thousands of dollars in exchange for a single sponsored tweet. While some of us dream […]

Investment Strategies for These Low-Interest Times

Investment Strategies for These Low-Interest Times Everyone has some idea of what it means to be money smart—however, whether or not you’ve acted on that idea is a different story! There are a few nuggets of financial wisdom in particular that are echoed so many times in articles, blog posts and TV segments that they […]

Keep or Toss-How Long Should I Hang Onto My Financial Documents

Keep or Toss: How Long Should I Hang Onto My Financial Documents? Every year, it’s nice to do a bit of “financial spring cleaning” and declutter your filing cabinet, your desk drawers, and the various hiding places where miscellaneous scraps of paper tend to accumulate and multiply. Read on to find out what you should […]

Four Questions to Ask Yourself Before Signing a Mortgage

Four Questions to Ask Yourself Before Signing a Mortgage Asking the right questions is an important part of every financial decision you make, and home ownership is no exception. If you’ve been thinking about buying a place, preliminary research will turn up a long checklist of questions for you to ask at every part of […]

Breaking Up with Name Brands

Breaking Up with Name Brands Picture this scenario: you’re steering your shopping cart through the sliding doors of the supermarket, shopping list in hand. As you walk the aisles, there’s a strategy you can use to save an average of 33% on your entire purchase. It doesn’t require any coupon cutting or signing up for […]

Attitudes Toward Insurance

Attitudes Toward Insurance Insurance coverage can be tricky to shop for, because it requires making specific financial decisions about some hazy and unpredictable concepts. Depending on the type of insurance you’re looking into, you might find yourself pondering some downright uncomfortable questions: • What would happen if I get sick the day I’m supposed to […]

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