Personal Finance Guide
When you invest, you are putting your own money at risk. Therefore, you do not want to take investment advice from just anyone. Additionally, even though there are several places to find great investment advice, you also cannot trust suggestions just because of their source. This means you must also sort through the advice and know what to follow and what to disregard. Here are a few tips for... [Continue Reading]
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]
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]
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]
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]
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]
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]
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’tcontribute savings after 70½ to... [Continue Reading]
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]
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Personal Finance News
NEW YORK (AP) — The Consumer Financial Protection Bureau is considering rules that would severely curtail a contentious practice called forced arbitration, which consumer advocates have long argued does a disservice to people who have disputes with ...
(Oct 6, 2015, Madison.com)
30-Year Fixed Mortgage Rates Fall to 5-Month Low; Current Rate is 3.60 ...
(Oct 6, 2015, Nasdaq)
As mortgage rates tend to follow the movement of the 10-year treasury bond, you may see slightly higher mortgage interest rates at your lender today. The average lender which quoted the 30-year fixed mortgage rate at 3.75% on Friday, now offers the ...
(Oct 6, 2015, Selected Loans)
Building a financial “ladder” means buying a series of bonds, CDs or other financial products that have different maturity dates. This way, rather than tie up all your money in a single investment for a long time, you have multiple products maturing at ...
(Oct 6, 2015, NerdWallet (blog))
International Personal Finance Plc Downgraded to "Underperform" at RBC Capital ...
(Oct 6, 2015, Dakota Financial News)
Finally, paying off the loan on time should help you build good business credit, and the interest paid on your loan may be tax deductible, unlike Prosper's personal loan. The downsides: Although Lending Club offers competitive rates on its loans, it's ...
(Oct 5, 2015, NerdWallet (blog))
Better Business Bureau® (BBB) of Fort Worth and Tarrant County, Inc. warns consumers to protect themselves from common personal loan scams. Fraudulent lenders often impersonate legitimate loan companies by counterfeiting their names, logos, ads and ...
(Oct 5, 2015, PR Web (press release))
Current Mortgage Rates Roundup for October 5, 2015: What to Expect from the ...
(Oct 5, 2015, Selected Loans)
mortgage rates As per usual, the second week of the month has all the makings of a boring one. There is not much domestic economic data scheduled. The main events of the week look to be the minutes from the September Fed meeting, the beginning of the ...
(Oct 5, 2015, Total Mortgage (blog))
Home loan, car loan and personal loan rates will come down: Jaimin Bhatt, CFO ...
(Oct 5, 2015, Economic Times)
"As a result, the 30-year mortgage rate remained virtually unchanged, dropping 1 basis point to 3.85 percent." He also adds in the press release that this week mark's the "tenth consecutive week of a sub-4 percent mortgage rate." He adds, though, that ...
(Oct 5, 2015, Franchise Herald)
On Sunday, you can talk live for free with financial planners during the annual Ask an Expert Hotline. From 10 a.m. to 4 p.m., planners will answer questions by telephone at (407) 420-5799. Thursday, a planner will be online from 11 a.m. to noon at ...
(Oct 5, 2015, Orlando Sentinel)