An American Research Group survey of 1,100 adults between November 17 and November 20, 2015 found that the average person plans to spend about $882 during the 2015 holiday shopping season, about two percent more than the 2014 survey. Between Thanksgiving and Christmas, consumers give their credit cards and bank accounts a serious beating. Many … Continued

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Our Inceptia Institute contributor, Samantha Piper, is a fourth year student at the University of Minnesota-Twin Cities. She is in the Carlson School of Management working towards a Bachelor’s of Science in Business in Human Resources and Industrial Relations and also in the College of Liberal Arts working towards a Bachelor’s of Art in English. … Continued

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Changing your financial state  requires a kind of time travel to commune with your future self.  Where do you want to be in 10, 20 years? Are you on the right path, or heading in the wrong direction? The time value of money—that is, how savings, investments and debt levels compound with the passing of … Continued

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