Like snowflakes and fingerprints, each individual's financial plan is utterly unique. Yet unlike fingerprints, one's financial plan must be pliable. As you grow older, your life will change — due to career, marriage, or a variety of other factors — and as your life changes, so must your financial plan. With this in mind, it's important to [...]
There is nothing that brings a smile to your face quite like helping another, but doing so may become more difficult during retirement. Your portfolio may not be robust enough to allow for consistent donations, or you may be concerned that giving consistently will significantly reduce your ability to support yourself later in life. Even still, [...]
Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It's useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact [...]
At check out, some of you may have noticed changes in credit card processing machines. Instead of sliding your card across the top, you slip your card into a reader at the bottom, and it reads a chip on the top of your card. Increasingly, credit card companies are adopting EMV 'chip' technology, given the [...]
You are considering quitting your job, but you aren't sure how to handle the funds in your employer-run 401(k) . Many opt to cash out, not realizing that doing so ensures 20 percent of your retirement savings are then lost to taxes and another 10 percent is taken as a penalty for cashing out early. [...]
Say you are awarded a bonus and are able to make a $7,000 lump sum payment on your mortgage. After making the payment, you are interested in reducing your minimum-required monthly payments on your fixed mortgage in order to reflect your reduced principle. How would you go about doing that? What does it mean to [...]
We highly recommend you check your credit score regularly, but even if you do check your score, you may be unsure as to what you should do with the number. What does it even mean? What steps can you take to increase your credit score? If you’re concerned about the latter, review these steps (while [...]
With summer coming to an end, you or your children or grandchildren may be headed off to college during the next couple of months. Earning a college degree opens so many doors, but of course, it comes with significant expenses. Thankfully, many colleges and non-profits offer financial support to help off-set these expenses. Even still, [...]
You might have seen one freecreditreport.com's endearing commercials — often featuring a guitar-clad customer singing of their credit woes and reminding viewers to check their credit scores frequently. Even if you haven't, numerous advertisements, comedy routines, and advice columns serve as daily reminders of the importance of credit scores in our lives. Yet, if you take [...]
“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.” — poet Ogden Nash Indeed, it's never easy to tackle your credit card debt, but with half the year behind us, June is a great time to reevaluate the extent of your debt and start taking [...]
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