Element Blog

How to Overcome ‘Credit Card Shyness’

How to Overcome ‘Credit Card Shyness’ News outlets and credit card companies are quick to label millennials as being credit card-shy. According to a recent survey, millennials apparently fear their credit card debt more than climate change, the threat of war and even death. It may sound like an overreaction, but the underlying trend is […]

5 Totally Free Things You Can Do to Support Your Local Economy

5 Totally Free Things You Can Do to Support Your Local Economy Supporting your local community is a positive thing—it builds relationships, it strengthens the local economy, and it makes your neighborhood a happier and healthier place to work and play. The most obvious way to support your surrounding community is with the choices you […]

7 Tips for Tracking Down Your Dream Career

7 Tips for Tracking Down Your Dream Career Choosing a career is tough. Whether you’re a new grad or considering a career change, it’s easy to feel overwhelmed when tasked with selecting your next gig. And why shouldn’t it? It’s an enormously costly decision, in terms of both time and money. In many cases, it […]

Understanding and Directing Your Withholdings

Understanding and Directing Your Withholdings You just got your paycheck. Your eyes scan down the list of deductions and settle on the most important part—your take-home pay. You take that number and start subtracting your bills, your day-to-day purchases, or that expensive item you’ve got your eye on. However, hiding in the often-overlooked payroll withholdings, […]

Why We Get Scammed

Why We Get Scammed If you use a cellphone or have an email account, you’ve almost certainly been exposed to an attempt at mass marketing fraud. Common examples include being interrupted by an annoying robocall just as you start eating lunch, or waking up to a suspicious message in your email inbox that somehow slipped […]

Three Job Interview Mindsets

Three Job Interview Mindsets It’s the night before the interview. Your outfit is all laid out, your resumé is hot off the press and you’ve Google-Mapped your route. You’ve done your company research and you’ve practiced answering the tough questions. You are perfectly prepared—and you still feel like a nervous wreck. That’s because, although we’re […]

5 Good Money Habits to Boost Your Retirement Savings

5 Good Money Habits to Boost Your Retirement Savings Think back to your most recent savings goal. How long did you have to save in order to reach it? Was it a concert ticket or some new shoes that took a few weeks of budgeting? Was it a big-ticket item like a new computer or […]

When Buying a Used Car Privately, Beware of “Curbstoning”

When Buying a Used Car Privately, Beware of “Curbstoning” Auto dealers are expected to sell cars that meet certain consumer protection criteria. This may include providing a warranty that will cover the buyer’s costs if a car turns out to be a lemon. Unfortunately, some unethical dealers may attempt to bypass these laws by curbstoning. […]

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.) […]

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