How To Invest In Real Estate: 19 Ideas To Get You Started

Close to 90% of the world’s millionaires have some sort of real estate exposure. Real estate investing can help you grow your net worth and develop new forms of income.In the past, real estate investing was primarily for investors who easily qualified for loans—usually those in a higher tax bracket. But today’s changing times and technology have made it more accessible to make small investments. We’ve outlined 19 different ways to get your investment started in real estate - well beyond the basics of buy a house and rent it out.Some are appropriate for beginners, others are more fitting for existing homeowners, and some are suited for deca-millionaires or people with specialized skill sets. No matter who you are, you can invest in real estate with one of these options.

If your financial aid package falls short of your need, you can ask the college for more financial aid by sending them a financial aid appeal letter.A financial aid appeal is not like a negotiation. It is not like bargaining for a lower price on a car at the car dealership.Most students lack leverage to get the college to throw out its financial aid rulebook. Good grades and test scores, and strong extracurriculars may get a student into a college, but aren’t enough to earn the student a full scholarship.To get an increase to your financial aid package, you need to know how to present your financial situation correctly. Merely asking for more money will not work, unless your appeal is supported by documented special circumstances. A successful financial aid appeal is based on providing the college financial aid administrator with relevant new information about special circumstances that affect your ability to pay for college. In this article, we'll show you how to write a financial aid appeal letter and let you know what supporting documentation to provide.

What can you do if you can't afford college? The answer is duct tape.What? Duct tape has a lot of practical uses, such as reinforcing book bindings, patching holes in backpacks, removing lint and catching bugs.But, what does duct tape have to do with paying for college? Duck brand duct tape sponsors a $10,000 scholarship for making a prom costume out of duct tape. Visit the stuckatprom.com website for more information.If that particular scholarship doesn’t help you get out of your sticky situation, then look for scholarships at free scholarship search websites, such as Fastweb.com and the College Board’s Big Future. Just beware of scholarship scams, which charge a fee to apply for a scholarship.Here are ten other options to help pay for school when you don't have enough financial aid.

One of the biggest fears families have about using a 529 plan to save for college is the dreaded 529 plan penalty.There are many ways to save and pay for college, and the absolute best way to do it varies depending on your specific situation. A 529 plan, which is designed to help you with higher education expenses, is a type of tax-advantaged account that allows you to save and invest money.As long as you withdraw that money for qualified expenses, you can do so without paying taxes on it. However, if you don't use the funds in your 529 plan for qualified education expenses, you may be assessed a tax penalty.Thankfully, it's fairly straightforward to avoid this 529 plan penalty, as long as you take a few precautionary steps.

It's currently estimated that there are about 3,000,000 millionaires in the United States today. And given that there are about 300,000,000 Americans according to the latest Census data, that means about 1 in 100 are millionaires.Even more startling is that means that you probably know someone who is a millionaire, and you probably live within a stone's throw of other millionaires that you don't know.The truth is that a lot of millionaires have very specific habits. Traits that make them successful - whether personally or professionally.Beyond the inspirational, here are five fundamental habits that your millionaire neighbor has but probably isn't telling you.

For many parents scrolling Facebook, the same comment keeps appearing under college-related posts: “I don’t know how we’re supposed to pay $30,000 a year for college.”The fear is understandable. Sticker prices at four-year colleges have climbed for decades, and tuition figures are often presented as unavoidable facts. But the assumption behind those comments — that most families really do pay $30,000 a year out of pocket — is usually wrong.In reality, the typical college student pays far less than the published price, and many pay very little or nothing at all. A mix of public policy, institutional aid, employer programs, and academic shortcuts quietly lowers the bill for millions of families each year. And even when it comes to actually writing a check, families pay for college using multiple strategies. 

Starting in 2026, Grad PLUS loans are ending, and there will be new borrowing options for graduate and professional education. The new borrowing limits ($20,500 annually for graduate students and $50,000 for students in designated professional programs) represent a sharp break from the prior model that allowed borrowing up to the full cost of attendance.The line between “graduate” and “professional” is now tied to detailed federal definitions and CIP codes, placing programs like physical therapy, occupational therapy, physician assistant studies, speech-language pathology, and social work under the lower graduate limit despite tuition that often exceeds $40,000 a year.As these changes take effect, a second shift is underway: private lenders are not ready to replace what Grad PLUS once provided. The hesitation is rooted in uncertainty about risk, credit, and the behavioral response of students and institutions.

The vast majority of student loans in the United States remain effectively paused, and delinquency rates are climbing again, according to new data from the nonpartisan California Policy Lab (PDF File). The analysis, released Wednesday and based on credit bureau records through the third quarter of 2025, offers one of the clearest pictures yet of a repayment system strained by policy whiplash, legal uncertainty, and the lingering effects of the pandemic-era payment pause.CPL finds that only 33% of outstanding student loans are being repaid on time, the lowest on-time repayment rate in two decades outside of the formal pandemic pause. The rest are in deferment, forbearance, delinquency, or an income-driven repayment plan requiring no payment.The share of loans in deferment or forbearance alone has more than doubled since mid-2023 and now accounts for 49% of all loans.

The Department of Education has filed its first status report (PDF File) since the government shutdown in response to its lawsuit with the American Federation of Teachers. The report offers a snapshot of how income-driven repayment and Public Service Loan Forgiveness backlogs are moving — and where they remain stuck.The report filed on December 15, 2025 in federal court was delayed by the October–November government shutdown and covers activity through the end of November. It follows a series of monthly disclosures required by the court after borrower advocates sued, alleging widespread delays and failures in student loan forgiveness processing. The previous report was filed back in September.The new filing shows that while application processing has picked back up, hundreds of thousands of borrowers are still waiting for decisions about changing repayment plans, and the backlog of those waiting for PSLF buyback has continued to grow.

Tipping during the holidays isn’t about keeping score — it’s about showing appreciation to the people who help you all year. Whether that’s your babysitter, delivery driver, or building staff, a thoughtful tip or small gift can mean a lot.Every year, as it gets closer to Christmas, I see more and more stories about holiday tipping etiquette and who I should tip. I understand tipping in the hospitality industry. For example, waiters make most of their money on tips, and they have an established custom on what to tip. I don't always agree, and if the service was poor, I tip less, and if the service was great, I tip more.But with higher inflation, workers having to do more with less, and simply showing your gratitude, let's talk about holiday tipping (and some food for thought on tipping in general).