The Alexandrite Group is a fee-based financial education services firm located in Northern New Jersey. We offer financial literacy training through individual guidance and small classroom-style discussions and seminars. We cater to adults who are in transition, and to high school and college students who are just beginning their financial independence...

We pride ourselves on helping our clients understand their finances so they can make informed decisions with an eye toward getting the most out of their money....read more...

 

Annual Percentage Rate (APR) is the annual cost for borrowing money.  It includes fees and interest charged for a loan as computed on an annual basis.  

Everyone should understand APR because it is one of many factors that impact upon almost any form of borrowing.

Read more about APR at Investopedia.

Are you purchasing movies through Netflix or a similar cable service?

Free or almost-free video and DVD rentals are available from Bergen County Cooperative Library System (BCCLS) .

Fees depend on the library, i.e. free weekly rentals of old videos and DVDs or two dollars for three days for current releases.  Some libraries also have blu-ray movies.