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Personal Finance Guide

How Plastic Became the New Cash

It was premature based on the statistics available at the time, but back in 2006 our favorite financial family board game Monopoly made the switch to plastic over the bright colored bills we all grew up with. Mr. Moneybags decision to dump cash was an attempt to get with the times as 70% of adults shifted more purchases to plastic than they did before the millennium. Nearly ten years after the... [Continue Reading]

Eco Property Houses - Houses Go Green

Mother Earth is becoming more sensitive to environmental pollution thus resulting in a kaleidoscope of alarming situations and raising the concerns for her protection. Though better late than never, people are taking precautions now, thus arising the trend of eco property houses. The concept of eco homes revolves around consumption of less energy for better living. Since ages, Mother Earth has... [Continue Reading]

7 Ways to Reduce the Costs of Moving

Moving into a new home is always exciting for a family. No matter what the situation is, it is always fun to have something new to look forward too. And no matter the situation, moving is always expensive for any family. There are a lot of little costs of moving that many people do not think about until they are right in the middle of the process. It is important to not only be aware of... [Continue Reading]

The Best Ways to Start Saving for Retirement Today

Saving for retirement is a goal that everyone will need to reach at some point in their lives. Many people like to put off this type of savings as long as possible, but no matter how tempting that is, starting a retirement savings plan as soon as possible. There are a lot of different ways people can start their retirement savings. However, some methods are more effective than others and... [Continue Reading]

What you need to know about rental property insurance

Home insurance isn’t just for people who own their homes. Even if you rent, you need to have insurance. Rental property insurance covers you for losses due to fine, storms, burglary and more. Read on to find out why you need rental property insurance. Levels of coverage Like most types of insurance, rental property insurance companies offer various levels of coverage. Each level costs... [Continue Reading]

Mega Ways to Manage Your Money

These days finances are tight, and it’s important to be careful with your money. You need to take steps to manage and stay on top of your finances. Too many people are too carefree with their finances these days. And this can lead to all sorts of financial problems later in life. The best way to start is to try to limit your spending. If you’re awful at regulating spending habits... [Continue Reading]

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]

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Personal Finance News

Here's a list of terms in the financial industry that need some monitoring
There are too many stale or misleading phrases that keep financial and investing matters dry and confusing, and help the financial industry avoid taking responsibility for its products and actions. Personal finance writers can be part of the problem ...

Illinois investigates parole board members' bankruptcies
BELLEVILLE, Ill. — Illinois is investigating bankruptcy filings by two state parole board members after recent newspaper reports highlighting the personal financial problems of several political appointees. A spokeswoman for Gov. Bruce Rauner tells ...

Consumer Reports: Time to update your laptop
Consumer Reports: Time to update your laptop - Richmond Times-Dispatch: Personal-finance ...

International Personal Finance Plc to Issue Dividend of GBX 4.60 on October ...
International Personal Finance Plc to Issue Dividend of GBX 4.60 on October ...

Personal finance: How to decide who can help your debt crisis
Personal finance: How to decide who can help your debt crisis. 15 step check-list before signing or handing over anything. By. Theda Muller. Published Saturday, August 29, 2015. Theda Muller. Before you take any one step forward when deciding to take ...

Personal finance Q&A: How a cash-out refi can affect college financial aid
Dear Liz: We have two children in college, both entering their junior years. We have two more in high school. The two currently in college need additional financial assistance, as they've tapped out their federal student loans. We are middle class ...

Global Market Volatility Pushes Mortgage Rates Lower
There are indications though that the unsettled state of global markets will make the Fed think twice before taking any action on short-term interest rates in September. If that's the case, the 30-year mortgage rate may remain subdued in the short-to ...

30-Year Mortgage Rate Hits 3-Month Low in Response to Jittery Markets
“If that's the case, the 30-year mortgage rate may remain subdued in the short-to-medium term, providing support for continued strength in the housing sector”, Becketti said. A year ago, the 5-year ARM averaged 2.97%. “Interest rates also rocked up and ...

The best deals on personal loans: Peer-to-peer providers are more competitive ...
The best deals on personal loans: Peer-to-peer providers are more competitive ...

Don't Jump the Gun Locking Into a Fixed-Rate Mortgage
It won't matter whether your mortgage rate is 2.05 per cent or 2.69 per cent if you can't make the payments, and you won't be approved unless you have 20 per cent as your down payment. The second, equally important thing to do is determine what you are ...

How the Personal Finance Experts Are Saving Money on Labor Day Celebrations
The last hurrah before summer comes to an end, Labor Day weekend can take a bite out of your budget. If paying bills and saving for retirement has left you low on cash, we feel you. Working at SmartAsset has made us all a little more budget-conscious ...

Current Mortgage Rates for Friday, August 28, 2015
mortgage rates It is Friday! Huzzah and hurrah! Stocks were all over the places, and bonds were along for the ride. To wit: the yield on 10-year Treasuries was as low as 1.92% for a brief period early in the week, and peaked around 2.20% yesterday ...

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