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One of the assumptions many of us have is that anyone can open up a checking account, and enjoy the benefits of free checking. While it is true that most consumers can open a checking account, whether or not you end up with free checking is something that is decided according to your consumer profile, …
One of the difficulties that many savers face right now is that of a low interest rate environment. Interest rates are quite low right now, and they are likely to remain relatively low for quite some time. As a result, even CDs aren’t paying the same type of rates you could expect before the Fed …
There are a number of online brokers out there, offering you the ability to invest on your own, and make money in the stock market. One of your choices is Firstrade, a company that has an easy-to-use web site, and a number of impressive mutual funds to select, this looks like a solid option at …
While attending college, it can be hard to think much beyond going to class and getting good grades. You’re probably aware that you will need a job when you get out of college, but that whole thing seems a long way off. Besides, that’s what the degree is for, right? To get you the job. …
With Hurricane Sandy causing concern, many are wondering what the latest natural disaster could mean for their taxes. When you suffer a loss due to a disaster, there is a good chance that you will be able to take a tax deduction for it. You need to fill out the right paperwork, of course, and …
The IRS recently released its new IRA contribution limits for 2013, and the news is good: For the first time since 2008, the IRS is boosting the contribution limits. This is good news for those looking to increase their tax-advantaged retirement contributions. The news is especially good for those who contribute to Roth IRAs, since …
If you are looking for a low cost investing brokerage that allows you to trade options and futures for a relatively low price, TradeMONSTER might be a good fit. The brokerage offers solid educational resources for the beginning trader, as well as plenty of advanced resources and opportunities for the old hand. Opening a TradeMONSTER Account …
Now that the year is drawing to a close, it’s time to consider your health plan, and decide what steps you can take to choose a health insurance plan that works for you. It’s open enrollment time; the only time you can make changes to your health care plan. Every time open enrollment comes around, …
One of the most stressful financial situations that many of us face is that of debt. Debt can be a very stressful situation, and it can strain your relationships and even impact your health. If you want to improve your life, as well as improve your finances, you need to consider how you can pay …
One of the realities of your financial life is that a mistake on your credit report can negatively impact your credit score. If an inaccurate item on your credit report is dragging on your credit score, it can make it more difficult to qualify for the loan you want. And, even if you do qualify …
One of the best things you can do for your finances is to be realistic about the cost of credit cards. Unfortunately, too many of us believe that a credit card limit represents “our” money. However, it’s important to realize that credit cards represent money that you are borrowing. Whenever you borrow money it comes …
If you’re into index funds, chances are that you know about Vanguard. Indeed, trading Vanguard index funds and ETFs can provide you with a low cost way to invest with the help of dollar cost averaging. However, while you can get access to some amazing index products, there are downsides to Vanguard, including the relative …
Recently, I attended the Financial Blogger Conference. There were a number of interesting sessions, but one of the most inspiring was the opening keynote from Adam Baker of Man Vs. Debt. In his keynote, Adam shared the Golden Circle, as described by Simon Sinek. If you are looking for a way to energize your career, …
Later this week, I’m headed to the Financial Blogger Conference, being held in Denver. I look forward to an awesome weekend of meeting with fellow bloggers, and seeing a little bit of Denver, since it’s not a city I’ve spent a lot of time in. And I’m excited that it will be mostly tax deductible. …
There are a number of reasons that people open IRAs. IRAs offer a great deal of flexibility in terms of investments you can include in your account, as well as opportunities for you to choose whether you want to pay taxes on your income now, or later. Another reason that many people like Roth IRAs, …
When it comes to life insurance, more than 50 million in the United States aren’t doing an adequate job. So many families lack the life insurance coverage that is needed to ensure financial stability after the passage of a breadwinner. Due to this state of affairs, Jeff Rose is launching a Life Insurance Movement in the …
One of the most well-known brokerages is Charles Schwab. This is a venerable brokerage that was a more traditional brokerage before brokerages became a big deal online. Now, of course, Charles Schwab offers online brokerage accounts, and it’s possible for almost anyone to invest with Schwab. Additionally, Charles Schwab provides banking and lending services, as …
One of the ways that you can improve your financial situation, as well as improve your credit, is to pay down debt. Paying down debt can boost your credit score, and it puts you in a better financial situation. As long as you have debt — especially high priced credit card debt — you are …