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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

Roseville school board insists students learn personal finance
Starting next school year, Roseville Joint Union High School District will require its graduating seniors to know at least the basics of personal finance in order to earn their diplomas. In meeting Tuesday, RJUHSD's board of trustees voted to add a new ...

It pays to shop around for best mortgage rate, experts say
Rob McLister, founder of RateSpy.com said the lowest mortgage rate does not necessarily equal the best mortgage. "Most people, they gravitate towards the lowest possible rate and they don't consider the ramifications if they need to break the mortgage ...

Mortgage rates fall as Treasury yields decline
“The average 30-year fixed mortgage rate fell to 3.69 percent this week following a decline in 10-year Treasury yields,” Len Kiefer, Freddie Mac deputy chief economist, said in a statement. “Low mortgage rates are a welcome sign for those in the market ...

Bankrate: Mortgage Rates Return to 2015 Low Point
NEW YORK, March 26, 2015 /PRNewswire/ -- Mortgage rates fell for a second consecutive week, with the benchmark 30-year fixed mortgage rate retreating to 3.80 percent, according to Bankrate.com's weekly national survey. The 30-year fixed mortgage has ...

When to start collecting Social Security
When to start collecting Social Security - Richmond.com: Personal-finance ...

When You Should Get A Personal Loan To Pay Off Credit Card Debt
"Typically we don't go from unsecure credit cards to an unsecure personal loan. We try and see if there is some sort of collateral - usually if they have a vehicle that has enough equity," says Reesie Rogers with Summit Credit Union. Experts say ...

UA Hosts Statewide High School Personal Finance Challenge
TUSCALOOSA, Ala. — The University of Alabama College of Human Environmental Sciences department of consumer sciences will host the Alabama Personal Finance Challenge April 14. Sponsored by the Alabama Council on Economic Education, the ...

Why Tony Robbins Wrote a Personal Finance Book
Why Tony Robbins Wrote a Personal Finance Book. 8:30 AM ET. SHARE. Life strategist Tony Robbins tells MONEY the story behind "Money: Master the Game." MONEY Everyday Money credit cards. How Does Amazon's New 5% Cash Back Card Measure ...

Personal Finance: In Investing, Winning Means Being Average
There is a long-running debate regarding whether it is possible for an investor to outperform the broader stock market consistently over time. There are those who believe that there are investors who have an inherent ability to outperform, achieve ...

Personal Finance: Debt and the deceased
If your loved one died leaving significant debt behind, would you know what to do? It's a worrisome question for everyone. Young or old, based on particular debt circumstances or geographic location, death with debt can provide significant problems for ...

Mortgage Rates at 3.56% on Fed's Signal Rise Won't Come Soon
The 30-year fixed mortgage rate dropped last week, then rose to 3.69 percent Monday before falling Tuesday. "Rates fell sharply last week after the Fed statement suggested that rates will remain lower for longer than expected," said Erin Lantz, vice ...

Santander announces new personal loan rates
Customers who join the 1|2|3 World can immediately take advantage of these new personal loan rates. They will also be joining the 3.6 million customers who are already taking advantage of Santander's 1|2|3 credit card and 1|2|3 current account, earning ...

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