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Personal Finance Guide

Advantages of Investing in a Roth IRA

Freedom and flexibility:One of the best aspects of Roth IRAs is the absence of a required minimum distribution (RMD). At 70½,Traditional IRAs require you to calculate all of your RMDs and take them as taxable income. If you miss anyor don’t withdraw enough, it will cost you a 50% penalty on top of your income tax. You also can’t​contribute savings after 70½ to... [Continue Reading]

5 Ways Credit Cards Can Help You if You Use Them Wisely

The appeal of credit cards lies in the fact that it makes it easy to get just about anything you want. Fancy a new wristwatch? Just give your card, and it's all good. Love that new pair of shoes? Here you go. Swipe the card and you walk away with the shoes. All these are possible without spending cash. That is why it is so easy for many people to get into and continue to remain in debt. Your... [Continue Reading]

A Self-Managed Super-Fund or a Pension? What's the Best Option for You?

You might think that a traditional pension is your best option for saving for retirement, but is that really the case? If the circumstances are right, you may get better returns by starting a self-managed super-fund. While both pensions and super-funds have the same end goal of providing you with a comfortable retirement, they have very different ways of achieving these outcomes. Here is an... [Continue Reading]

Can Equity Release Help Me Pay For Long Term Care?

As we get older and reach retirement age, lots of us have to ask for help at home for ourselves, or for a partner. Whether we chose to access care at home or in a specialist setting, it costs money. Not many people have the income to support long-term care out of their own pocket, and if you're in this situation you might be looking for alternative options. One of these options is equity... [Continue Reading]

Bad Credit Isn’t Just About Loans

If you’re like the majority of people in the world, you likely never think about things like your credit score or credit report – at least not unless you’re actively trying to borrow money or buy a house, in which case your every thought probably centers on those two things. Most people think that their credit, good or bad, only impacts their lives when they’re... [Continue Reading]

MBA Programs: What To Keep in Mind before Enrolling For an MBA

Given the high competition in the current job market, earning an MBA is essential for anyone who aims to secure a top management position. A graduate degree increases your marketability and affords you the opportunity to switch careers. Thus, despite the lengthy period that one has to spend in the classroom to earn the degree, the investment made is always worthwhile. In the course of taking... [Continue Reading]

Straight Answers on Paternity Testing

When the paternity of a child is called into question, it can have all kinds of effects on every person involved. There may be pressure on the grandparents, stress on the alleged father, stress on the mother, and even stress on the child involved. Some people might choose to wallow through this stress because even the thought of an actual paternity test seems too expensive. A home paternity... [Continue Reading]

5 Things to Avoid When Negotiating Wages

Negotiating a salary can be an awkward situation. There seems to be a taboo around discussing personal financial matters, especially amongst British people. We are not good at haggling – it is just not in our nature. Negotiating a wage requires nerves, bottle and a little bit of cheek. These are qualities that the top sales people tend to have. For us mere mortals,... [Continue Reading]

How much does a baseball pitcher make?

Baseball is heralded as America’s pastime and will always be imbedded into American culture. The game that simply uses a stick, ball, and glove has produced years of legendary games and iconic figures.  From Babe Ruth’s called shot to the incredible comeback of the 2004 Boston Red Sox, baseball captures our imaginations and has developed into a lucrative worldwide business.... [Continue Reading]

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Personal Finance News

Eight Personal Finance Mistakes to Avoid
CHICAGO — In days gone by, managing your personal financial affairs was far simpler than looking after your business finances. Not so much these days. The world of personal finance has become so complex that failing to keep up can put a big dent in ...

Smart Money: Two cars are one too many
QUESTION: I purchased a vehicle from a Chevrolet dealership in May. In September, I went to the dealership complaining that the car was cutting out and some other issues. I was told there was a recall on the vehicle and that the dealership would put me ...

Mortgage price war: HSBC leads way with fixed rate cut as rates fall to record low
Mortgage rates have fallen to a record low as lenders ramp up a price war – with struggling homebuyers lined up to benefit. HSBC will announce a new two-year fixed rate mortgage on Monday that undercuts its existing 1.29% deal. The offer is reserved ...

Marlette Funding Brings Best Egg Personal Loans to the General Public
Moving into 2015, “we plan to continue expanding our marketing channels and will leverage our strength in co-branding to offer our personal loan product to members and customers of other well-known brands,” adds Sabrina Basht, General Manager of ...

Personal Finance: What People with Government Pensions Should Know about ...
Personal Finance: What People with Government Pensions Should Know about ...

Personal Finance: Stock investment styles -- growth versus value
The plethora of choices available to stock investors can seem bewildering at first blush. Some 14,000 companies trade in U.S. Dollars on American stock exchanges and thousands more in their native currencies on foreign bourses. Large cap, small cap, ...

Despite Volatile Week, 30-Year Fixed Mortgage Rates Remain Near 20-Month ...
Despite Volatile Week, 30-Year Fixed Mortgage Rates Remain Near 20-Month ...

News @ Noon: Maximize Your Grocery Savings with Tips from WJON's Personal ...
News @ Noon: Maximize Your Grocery Savings with Tips from WJON's Personal ...

The January 2015 Fed Meeting: Should You Rush To Lock A Mortgage Rate?
Over the last 16 years, the Fed Funds Rate and the average 30-year fixed rate mortgage rate have differed at times by as much as 5.25%, and by as little as 0.50%. If the Fed Funds Rate were truly linked to U.S. mortgage rates, the difference between ...

TAMU Economist: Mortgage Still Most Traveled Route To Homeownership
The 30-year, fixed-rate mortgage rate moves closely in tandem with the ten-year U.S. Treasury bond rate, explains Dotzour. Bond investors have numerous choices for investments, including residential mortgages, Fannie Mae and Freddie Mac bonds, ...

Online Lender Earnest Gets Into Student Loan Refinancing
Its personal loan rates are relatively low, from 4.25% to 9.25% for loans up to $30,000, while its student loan refinancing rates are even lower, 1.92% to 7.5%. Beryl says that the reason they are able to make such cheap loans is because they have ...

New Loan Refinancing Tool And $17M Round Shows The Importance Of Earnest
Earnest launched in September 2013 with its personal loan product that's typically tapped for life events like weddings, childbirth, or personal educational growth. The company actually has partnerships with coding academy's and professional training ...

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