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Since the stock market crash of 2008, many investors have turned to dividend stocks. Dividend investing has become more popular as investors look for ways to continue earning income even during down markets. And, even though the market has recovered and surpassed its former level, many investors are looking for other ways to earn a …
When you have health insurance, it’s tempting to think that everything is covered. Your doctor recommends a test, and you think that you should probably get it. Later, though, you find out that the test isn’t covered by your health insurance company. While some health insurers will cover various lab tests, there are those companies …
There is a lot of talk about how important it is to pay down your debt in order to improve your life and your financial situation. Most of this debt advice focuses around paying off your debt as quickly as possible. But what if you aren’t interested in drastically changing your lifestyle in order to …
Unfortunately, too many consumers wait until they are actually applying for a major loan before they check their credit. If you are planning to apply for a major loan — especially if you want to apply for a mortgage loan — it’s better if you check your credit first, and then take steps to improve …
When I travel, I like to use my credit card. Credit cards are great for travel because they come with a certain level of fraud liability protection. Plus, they can be used almost anywhere you go, and they are very convenient. On top of that, when you plan your credit card use just right, you can …
One of the trends gaining a little traction right now is using prepaid debit as a replacement for a checking account. While a prepaid debit card can be useful in some cases, it might not always be the best way to handle your finances. Prepaid Debit: Replacing a Checking Account? In recent years, prepaid debit …
For those looking for yield, CDs don’t often come to mind. While your money is usually safe in CDs, you won’t earn a high yield. One way to earn a higher yield, though, is to consider a market-linked CD. What is a Market-Linked CD? A market-linked CD is pretty much what it sounds like: The …
Few of us are happy being stuck in a career rut. Many of us know that career success requires strategy and work. However, you might be surprised at the types of things that can help you improve in your career over time. One of the best ways to boost your career prospects now and in …
Investors who are a little more experienced with DIY investments, and who are interested in options, can get a great deal by using OptionsHouse. OptionsHouse specializes in options, and offers access to discounted stock trading as well. Fees If you are looking for low, low prices on your investing, OptionsHouse is a great choice. First …
The last year is over and we’re well into tax season. However, if you’re still looking for a few deductions, it’s possible for you to benefit from some really last minute tax breaks. You can still make previous year contributions to your IRA and/or HSA. Contribute for the Previous Year Until April 15 You have until April 15 …
When looking for the best IRA rates and performance, many investors have been considering target date retirement funds. Before you decide that a target date fund is a good way to set it and forget it when it comes to your retirement, it’s a good idea to stop and consider the pros and cons of …
One of the questions I am most often asked is where someone should start when it comes to investing. For many would-be investors, the whole situation seems daunting. How do you get started? And how do you know which investments to pick? The good news is that getting started is relatively simple; for the most …
One of the problems with staying debt free once you have made solid progress is that it can be tempting to slip back into your old ways. In reality, debt is more of a symptom than a problem. The real problem might actually be how you manage money. Debt as a Symptom of the Problem …
When it comes to your credit, one of the best things you can do is check your report for errors, and then fix mistakes. Getting rid of some of your credit report errors can provide you with a way to increase your credit score. But what are some of these errors? And why do they …
There’s no doubt that credit cards make certain purchases much easier to complete — especially with the rise in online shopping. However, there are concerns about the security involved with credit cards. What if someone gets access to your credit card number and makes fraudulent purchases? The impact from such a situation can be large, …
One of the ways that you can improve your financial situation is with the help of interest checking. There are checking accounts that pay interest on your balance, and these can provide you with a little extra money in your pocket. Plus, it’s a great way to earn interest while maintaining the liquidity that comes …
One of the ways that many consumers attempt to earn higher yields on their cash is with the help of certificates of deposit (CDs). Often CDs come with better rates than many savings accounts, and the money, provided you choose an institution that is insured by the FDIC (banks) or the NCUA (credit unions), is …
It’s never too early to begin thinking about your future career prospects. In fact, you should think about your career strategy now, and begin working toward improving your career prospects. Even if you feel as though you are in your dream job right now, it makes sense prepare for the possibility that you could be laid …