Kali Hawlk

Kali Hawlk

Financial Writer

I write about Personal Finance, Money, Saving, Investing, Debt and Credit, Real Estate, Careers, Business, Entrepreneurship, Freelancing, Writing, and more.

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What You Need to Know About: Credit | Wells Fargo

Here's what you need to know to make use of credit, maintain a positive credit history, and keep a good credit score — and why it's important to do so.

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SEO For Beginners: What Retailers Need to Know About Search ...

Here, you’ll learn SEO for beginners so you can understand the basics of optimizing your site to show up in search engines. That way, it’s simple for customers to find you both online and offline.

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5+ Ways to Build Your Side Business Without Quitting Your Day Job

So, is it better to continue toiling at your 9-5 while building a side retail business? While neither way is “wrong” per se, we’re here to make a case for playing the long game — grow slowly to ensure stability. And here’s why.

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How a secured card deposit relates to your credit line

With secured cards, you make a deposit in exchange for a line of credit. Here’s how it works and how a secured card can help you build or rebuild credit over time.

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Credit card cash advance fees: What they are and how to avoid them

Normally when you use your credit card to make a purchase, you charge the cost to your line of credit and then pay for your purchases in a statement later. But did you know you can also use your credit card to access cash?

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How to Encourage Customer Reviews (And Why You Should)

When it comes to converting casual browsers into eager buyers, one tactic can help prompt shoppers to action: customer reviews.

While it might feel like you could be opening a can of worms, the benefits outweigh any potential issues. For example, one recent study shows that 90% of people’s buying decisions are influenced by online reviews — which only underscores the importance of publishing the opinions of your customers.

So, how exactly do you encourage customers to leave reviews? Here, we’ll tackle the ins and outs of customer reviews, including the many benefits and how to set up a review system for your retail site.

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How to Make Your Product Copy More Persuasive

“Copy” is just a way of saying written words and text. Copy appears in your product descriptions, on every single page of your website, in your social media posts and in your advertising — any place you use the written word for your business, you create copy.

That may sound a little intimidating, especially if you don’t consider yourself a writer (or worse, if you think you’re a bad writer).

But there’s good news. You don’t need to be a literary genius in order to create persuasive product copy that compels customers to purchase more.


Want to Be Heard in a Noisy World? You Need Niche Marketing

Niche marketing is the secret to getting your message heard in a world that’s continuously buried by an influx of new content.

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Reduce Buying Friction With These Online Checkout Features

There’s nothing more frustrating for you as the owner of an ecommerce site than to see abandoned online shopping cart. Your business may have successfully overcome every objection a customer might have to purchasing, but at the last second, you lost the sale and missed out on the revenue.

What went wrong?

The most likely answer: there was friction in your checkout process.

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6 tips for first-time tax filers | Credit Karma

Nothing says "welcome to adulthood" quite like filing your own taxes for the first time. While it's not exactly the most fun annual activity, it's an important responsibility to accept.
By getting prepared ahead of time, you can cut down on stress and confusion and make the best decisions for your financial situation.
Here are six tips that could help make your first time filing taxes a good experience.


The Best Wealth-Building Tool You're Not Using

Pairing a tax-deferred account with something like a Roth gives you a balanced approach to retirement savings. But wouldn't it be nice if an account existed that allowed you to contribute money tax-free, withdraw money tax-free, and enjoy the earnings of the account tax-free?

There's good news if you're interested. An account like this exists and can help you build your wealth if you know how to use it.

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2 Times an Adjustable-Rate Mortgage Makes Perfect Sense

Given that interest rates make such a big impact on how much your mortgage costs, it makes sense to do what you can to get the lowest rate possible. And this is where adjustable-rate mortgages can start to look appealing. In two cases especially, it makes perfect sense to go with an ARM: when you plan to pay off your mortgage quickly, or you plan to move out of the home within a few years.


Thinking About Refinancing? Here's 5 Reasons Why You Shouldn't | Sapling.com

As nice as that sounds, it could be too good to be true. Refinancing isn't as simple as waving a magic wand and dropping your interest rate.

It's a more complicated process with no guarantee that you'll save money or repay your loans faster -- and you could be giving up a lot when you do refinance.

If you're thinking about refinancing your student loans, hit the pause button until you read this and understand the 5 biggest reasons you shouldn't.

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What you need to know about: The stock market

Here’s what you need to know to understand the basics of stocks, asset classes, and risk so you can start learning how to invest.

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What you need to know about: buying a car

Buying a car involves choosing between countless options. This guide walks you through each step of the process, including every factor you need to consider before getting the keys.