John Schmoll

Omaha

Co-Founder at Frugal Rules

Writer at Freelance

#Freelance #Writer, K-State Fan in #Omaha. For more, check out @FrugalRules https://t.co/V8OVEsoJbb

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Articles

What is penalty APR and how to avoid it

3 days ago | cardratings.com | John Schmoll

Credit cards typically don’t have one APR. You can incur one APR for purchases, while triggering a different one if you take a cash advance. If you face the unfortunate situation of missed payments or exceeding your credit limit you may activate a penalty APR, making repaying indebtedness burdensome.
The 10 Best States To Retire at 40 That Don’t Require You To Be a Millionaire

6 days ago | gobankingrates.com | John Schmoll |Zuri Anderson

fizkes / Getty Images/iStockphoto Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
10 Cities Where Renters Can Finally Afford To Buy a Home in 2025

1 week ago | gobankingrates.com | John Schmoll |Zuri Anderson

lewkmiller / iStock.com Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology. 20 YearsHelping You Live RicherTrusted by Millions of ReadersOwning a home is a key component of the American Dream.
The Best Time To Buy a Stock, According to ‘Rich Dad’ Robert Kiyosaki

1 week ago | gobankingrates.com | John Schmoll |Amber Barkley

May 27, 2025 4 min Read Gage Skidmore / Wikimedia Commons Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
An Analysis Says DOGE's Billions in Cuts Will Cost Americans Billions - What That Means for Your Wallet

1 week ago | gobankingrates.com | John Schmoll |Rebekah Evans

perfectlab / Getty Images/iStockphoto Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
Which Is Better for Young Investors?

1 week ago | businessandamerica.com | John Schmoll

Which is better for young investors, exchange-traded funds (ETFs) or mutual funds? That depends on a number of factors. They include how much a young investor has to invest, how actively involved they want to be with their investments, and their understanding of the advantages and disadvantages of each option. Both types of funds offer instant diversification and professional management of fund assets. They both involve less risk (and greater convenience) than investing in individual securities.
How to manage credit card debt as a retiree

2 weeks ago | cardratings.com | John Schmoll

Credit card debt can stymie progress toward financial goals. Dealing with high-interest debt in retirement can be exponentially worse. More retirees are struggling with credit card debt, with many using cards to pay for necessities. Left unchecked, this can derail years of retirement planning. Fortunately, there are options for credit card debt relief for seniors that make eradicating debt possible.
5 Ways To Get the Best Deals on Summer Holiday Travel in 2025

3 weeks ago | gobankingrates.com | John Schmoll |Zuri Anderson

Dean Mitchell / Getty Images Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
5 Ways To Get the Best Deals on Summer Holiday Travel in 2025

3 weeks ago | yahoo.com | John Schmoll

Going on summer vacation is a rite of passage for many American families. It’s a time to recharge and create new memories. The current economic headwinds may make that more challenging in 2025. However, there is still an opportunity to take a meaningful trip that won’t bust your budget. Discover More: 8 Tips To Fly Business Class for the Price of EconomyFor You: 6 Hybrid Vehicles To Stay Away From in RetirementHere are five ways to score the best deals on summer holiday travel.
44% of Americans Spend More on Snacks Than Netflix: How To Fight 'Snackflation'

3 weeks ago | gobankingrates.com | John Schmoll |Amen Oyiboke

Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology. 20 YearsHelping You Live RicherTrusted by Millions of ReadersThere’s nothing quite like enjoying a salty snack or sweet treat at the end of a day.