If You’re Spending, You Aren’t Saving

It seems pretty obvious: If you’re spending money, you aren’t actually saving anything. However, we hear talk, all the time, of how someone “saved money” by getting a great deal on something. Even though it seems like saving is happening in this case, the reality is that it’s actually spending. It’s just spending less. While it […]

How Much Do You Need for Retirement?

Study after study indicates that many Americans aren’t ready for retirement. Many Americans wonder if they will be able to retire comfortably, and they aren’t sure where to start when it comes to saving what they need. You don’t have to be one of those without a clue. You can figure out how much you […]

Consistency: One of the Keys to Successful Investing

There are those who do well investing with large amounts of money when they see what they think will be a good deal. However, for most of us, that isn’t the best approach. Most of us have smaller amounts of money to start, and we can’t afford to lose out on an investment that requires […]

Obamacare Deadline Approaches: Will You Pay a Penalty?

One of the biggest controversies in recent years is the implementation of the Affordable Care Act, which is commonly referred to as Obamacare. The ACA requires that everyone — with a few exceptions — get insurance coverage. Those who have Medicaid or Medicare coverage, or who are covered already through other plans, don’t need to […]

How Your Credit Card Statement Can Help You Create a Debt Reduction Plan

As counter-intuitive as it might seem, your credit card issuers might actually be able to help you pay off your debt faster. One of the tools you can use as you create a debt reduction plan is your credit card statement. Each month, your credit card issuer provides you with helpful insight into how you […]

Keep Tabs on Credit Report Information for Free

Keeping up with your credit report is an important part of making sure that your finances are in proper order. However, the cost of looking at your credit report all the time can start to add up. The good news is that you can access some of the information in your credit report for free. […]

How to Find a Better Secured Credit Card

One of the ways that you can rebuild your credit is with a secured credit card. Using a secured credit card can help you establish a better financial reputation if you have made a few mistakes, or even if you don’t have enough of a credit history for an unsecured credit card. However, secured credit […]

When Should Your Child Get a Checking Account?

My son is 11 years old, and he’s had a savings account since he was five or so. As he grows, though, I’ve started thinking about the fact that he should probably have a checking account fairly soon. I was 12 or 13 when my mom opened a joint checking account with me, and the […]

What is a High-Yield CD, Anyway?

We hear a lot about high-yield CDs, and trying to beat inflation in our current interest-rate climate. One of the difficulties associated with high-yield CDs is that they aren’t exactly “high-yield” in the way they were prior to the financial crisis and recession. In fact, many of us who had CDs paying in excess of […]

In-Person Networking: The Power of Conferences

When it comes to your career, one of the best ways to improve your prospects is through networking. The things you do now can improve your career for years to come. Networking is one of those career-making moves that should be a part of your career strategy — no matter what stage you think you’re […]