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Personal Finance

Personal Finance Fri Jan 19 2018 11:00:00 GMT+0000 (UTC)
WHERE THE PARTY'S AT -- One of thecommonbeliefs I’d like tooverturnis the idea that one shouldn’tcounttheir primary residence as part of their net worth. This belief is propagated by the wealth management industry because wealth managersonly earn feesbas
So I just spent two hours tracking allllll the entries that came in from our journal giveaway the other week (winners announced in a second), and thought you’d enjoy seeing some of the comments :) If only to help you feel better that YOU AR
Trump's new tax bill holds many changes that affect homeowners, married folks, and individuals alike. Here's how it'll affect you. Trump’s New Tax Bill—How Will It Affect You? appeared first on Money Under 30. © Moneyblog
As a penny pincher, I sometimes get into debates with people about whether cutting back on small expenses really makes much difference in the grand scheme of things. For example, if you are trying to put away $1 million, is it worth the effort to sav
Welcome back to the collaboration between Mint and Brewing Happiness. Im Haley, the girl behind Brewing Happiness a blog about celebrating the small healthy choices we make in our lives, complete with recipes for everybody! Im here to give you tips o
One week ago, the Wall Street Journal broke the news that the World Bank had a serious problem with one of its most popular and useful products, its annual Doing Business index. The World Bank repeatedly changed the methodology of one of its flagship
Charles Munger is probably best known as the Vice Chairman of Berkshire Hathaway and partner of Warren Buffett. The University of Michigan Ross School of Business recently shared a hour-long talk with Munger on YouTube (embedded below). Munger has pl
To get the most value from travel rewards programs, it's often best to save up for a big trip. But sometimes you need to use up a smaller amount of points before they expire, or before you close the credit card account associated with the program. Or
Every loan comes with interest, the extra amount you have to pay for the privilege of borrowing money. The interest rates on loans can vary widely, which results in different loans, even for the same amount of money, costing a different amount. One t
Everyone needs a safe place to stash their money, instead of burying it in the backyard (or worse, under your mattress). If you're looking for a new bank, you have hundreds of options to choose from, but every year, it seems like there are more banks
According to the U.S. Department of Agriculture, it now costs the average middle-class family over $233,000 to raise a child – not including college expenses. While the lion’s share of this amount goes towards food, housing, and m
Get your tax refund in about two weeks with direct deposit to a prepaid debit card. Here’s how it works and a list of prepaid cards you can use. Are you expecting a tax refund this year? If so, you may already be thinking about how you&
When my husband and I were first married, we used to race home on the 15th of each month, each one of us hoping to be the first to get the mail out of the mailbox. Our highly anticipated mail was not our favorite magazine, or the cheese of the month
Best Egg is an online lender that offers personal loans to consumers. It specializes in getting cash in your pocket quickly thanks to its easy-to-understand application process. If you’re in the market for a personal loan, Learn everything
Credit card customer service calls are often frustrating and lead to nothing except more stress, but Discover's customer service is one to brag about. It's 100% U.S. based and you can call a representative 24/7. Discover’s 100% U.S. Based C
Theres no sugar-coating it: debt sucks. Here's how to get out of debt fast with a 5-step system the very same system I wrote about in my NYT best-selling book. How to get out of debt fast in 5 steps is a post from: I Will Teach You To Be Rich.Debt su
A lot of people have fantasized about suddenly striking it rich. They imagine that a financial windfall – inheriting a fortune from a distant relative, collecting royalties for a best-selling novel, or even winning the lot
The relative period of order for the S&P 500 that began back on 31 March 2016 has come to an end. The breakdown of order in the S&P 500 became clearly evident on 11 January 2017, when the level of the S&P 500 surged to be more than three
We put the top cellular carrier to the test in this Verizon Review. Is its unlimited data plan reliable and reasonably priced? We have the answers. Are you shopping around for a new phone plan? The Verizon of today might be different from the Verizon
Connexus Credit Union has raised the rates on their 5-year Share Certificate to 3.00% APY with a 365-day early withdrawal penalty. They also have 1-year Share Certificate at 2.01% APY (90-day early withdrawal penalty). Both have a $5,000 minimum depo
"How long has your show been on the radio?" asked one of my much younger bosses recently. I wanted to answer: "Longer than you've been alive." The flippant reply would have allowed us to pretend for a little while
Passive income refers to funds that dont need much effort on your part. Its different from active income where you actually render a service for a corresponding amount (e.g. salary and bonuses). Simply put, you can continue to earn money while you sl
Opting for a currency hedged US S&P 500 tracker over a standard ETF doubled your return in 2017. What's the catch? I wrote in January 2017 about using currency-hedged ETFs to reduce currency risk in your portfolio. Back then the UK pound had
Do you cringe when you think about networking? Whether you love it or hate it, networking is an essential skill that could pay huge dividends in your career. For example, networking can help you land a promotion, or find your dream job at another com
Preparing your tax returns can be a challenging and expensive. To solve both problems, here is a list of free tax preparation help. Tax season is here. Hopefully, you’re organizing your documents and getting ready to fill out your tax retur
Your career is important. It provides financial stability for you and your family, and in many ways, it can dictate your future — where you live, what you can afford, and the type of lifestyle you're able to lead. When there’s a p
Owning a home can be a blessing, but that blessing can feel like a curse if you don't set aside money for home repairs.Here's what you can do to be prepared for unexpected home maintenance and repair costs. The post Why You Should Make Saving For Hom
The average recent college graduate has more than $37,000 in student loans, which, for most degree holders, can take years and years to repay. Refinancing that debt is a move that can help to alleviate the financial pressure of student debt. Just lik
Early-stage businesses face myriad challenges. Startup competitions, sometimes known as pitch competitions or business plan competitions, address several: attracting startup capital, building investor and advisor networks, raising visibility in the m
Read an interesting passage in a coin magazine recently, and it was talking about all the pitfalls of a cashless society, and how we need to be aware (and prepared) if things continue to go down that path. It’s not very shocking, considerin
Welcome to Wise Bread's Best Money Tips Roundup! Today we found articles on safety tips for natural disasters, weird places to find coupons, and effective steps to overcome frustration. Top 5 Articles Safety Tips for Natural Disasters: A Quick Guide
Umbrella insurance is great for anyone who has anything of value. It protects you when youre sued after an event that occurred on your property, or if you unintentionally cause someone injury. Umbrella Insurance – What Is It, And Do You Nee
How much will your net take home pay change because of the Tax Cuts and Jobs Act of 2017 becoming law? This is the third of three tools that we've built to do paycheck-related math in 2018, and is the only one that goes straight to the bottom line in
If you do not work in this day and age, you are definitely in the minority. Not that thats inherently a bad thing, its just that a lot of people are probably pretty jealous, since there is a very small percentage of people who actually enjoy their av
You probably won't be surprised to hear there are over 6,000 different banks in the United States. In fact, you could probably name about 20 banks off the top of your head. When you're shopping around for a place to put your money, it can be an overw
It would be one thing if flying were a miserable experience for everyone, but it's obviously not. Before we can squeeze into our ever-shrinking economy-class seats, we often get a glimpse of the spacious business or first class seats when boarding. S
Here’s an interesting chart from Statista showing how landline telephones are slowly dying away and being replaced by cell phones only. In 2004, more than 90 percent of households in the U.S. had an operational landline phone – no
If you live in a detached single-family home, there’s a good chance you have your own driveway. Which means – lucky you – that you’re responsible for its maintenance and upkeep. Driveways come in several differ
What do the new 2018 tax rates and 2018 tax brackets look like? President Trump originally proposed a new tax plan that would only have 3 tax brackets: 10%, 25% and 35%. However, the tax plan that Congress ultimately passed kept 7 tax brackets. The o
With all the concern these days about the Roth IRA, traditional IRAs may be in danger of getting lost. But for many of the same reasons that a Roth IRA is so important, traditional IRAs continue to be valuable. I admit it Im a big fan of the Roth IRA
Who has the cheapest tax software, including free versions–TurboTax, TaxACT, or H&R Block? We have the answers in this side-by-side comparison. There are three major tax preparation software packages on the market that most do-it-yo
Student loan figures are staggering, and as the amount borrowed rises, so too do defaults. Failing to pay your student loan can cause serious fallout. Unlike other types of debt, student loans cannot be discharged during bankruptcy. Defaulting is not
I recently stumbled across a fascinating chart by Deutsche Bank highlighting that more families than ever before have ZERO or NEGATIVE non-home wealth. In other words, roughly 30% of households have no 401k, no IRA, no after-tax investment account, n
With a presence in more than 630 cities around the world, Uber is the world’s most popular ridesharing app. Like the Lyft app, it lets riders hail drivers electronically and compensate them for their services by c
Paying for graduate school is an expensive task, but with federal aid, state and university funding, and private loans, you can get your dream degree without worrying too much about cost. Paying For Graduate School—What’s The Best
Today Ill show the step-by-step process to improve your credit score, with 4 score-raising tips that really work. How to improve your credit score in 4 systems is a post from: I Will Teach You To Be Rich.Improving your credit score is potentially wor
The Roth IRA vs traditional IRA theyre basically the same plan, right? Not exactly. While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct
Occupation: Digital advertising Age: 30 Location: San Francisco Bay Area Income: $5,200 month net post 401K, health insurance / HSA, and taxes Total Debt: $0 Monthly Expenses: Rent and utilities: $1,800 Auto: $275 including car insurance Internet/mob
The right fishing rod can really enhance your fishing game. You'll want to find something lightweight and sturdy enough for your regular fishing trips, with the strength necessary to provide continued usage for years to come. What is a fishing rod? A
The S&P 500 continued its rapid rise in the second week of January 2018, having now risen some 112.63 points, or 4.2%, since the last day of trading in 2017, to close at a new record high value of 2,786.24 on Friday, 12 January 2018. Although slo