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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

Financial advice/John Ninfo: Personal finance for those in their 20s and 30s
In a prior column, I promised that I would discuss some critical personal finance issues for 20 and 30 year olds to focus on and learn about. This is perhaps more important for them to do than ever before, for many reasons, some of which we have ...

The real reason brokers oppose a fiduciary standard
But because brokers can choose from dozens of investment products, all of them "suitable" for their clients, they are free to recommend the one that pays them the most — and often do. Wall Street is wasting no time revving up its lobbying machine now ...

Personal finance and you
Such different areas come together into one, cohesive, living document called a personal financial plan that serves as a roadmap or a blueprint to achieve a person's financial, and, ultimately, life goals. Since personal finance covers a wide array of ...

Smoothing the bumpy ride
Personal finance: Smoothing the bumpy ride. ELOISE GIBSON. Last updated 15:00, February 28 2015. SMOOTH THE PATH: Ironing out the kinks in your income can help you plan and. 123rf.com. SMOOTH THE PATH: Ironing out the kinks in your income can ...

Mortgage Deals: Bank Of America Vs. Wells Fargo
In the market for a home mortgage? You might be tempted to listen to your realtor or mortgage broker, but this is much too large a loan not to be an active participant. You have to shop around – just as you would for a car or even something much ...

StrandVision Offers Personal Finance Tips in Digital Signage
StrandVision Digital Signage rolled out its latest set of employee communication electronic signage page templates, which includes personal finance tips for employees and customers, the company announced. The pre-produced, animated digital signage ...

Mortgage Rate Report for Friday February 27, 2015
The current national average for conforming mortgage and ARM loan rates this Friday are mostly on the way up at the nation's top lenders. I noticed some lenders have raised rates across the board this morning. Here is a brief report on the current ...

What's the Best Way to Consolidate Debt?
Which personal loan services are best for debt consolidation? Since personal loans are multipurpose, most work for people looking to consolidate debt. What matters is whether you can get approved for the entire requested amount and an APR that works ...

Mortgage Borrowers Thinking About Paying Down Their Loan Balance Should ...
Mortgage Borrowers Thinking About Paying Down Their Loan Balance Should ...

30-Year Fixed Mortgage Rate Hits Highest Level in Three Months, Zillow Data ...
30-Year Fixed Mortgage Rate Hits Highest Level in Three Months, Zillow Data ...

30-year mortgage rate rises to 3.80 pct.
30-year mortgage rate rises to 3.80 pct. Advertisement. WASHINGTON (AP) — Average long-term U.S. mortgage rates have edged up for a third straight week while remaining near their historically low levels reached in May 2013. Mortgage company Freddie ...

30-year mortgage rate rises to 3.80%
WASHINGTON — Average long-term U.S. mortgage rates have edged up for a third straight week while remaining near their historically low levels reached in May 2013. Mortgage company Freddie Mac says the nationwide average for a 30-year mortgage ...

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