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Financial Planning: Most Popular Articles

These articles are the most popular over the last month.
How New Social Security Changes Can Impact Your...
Be sure that you are aware of and understand the new social security rules- they may have an impact on your retirement planning.
The Basic Monthly Budget Worksheet Everyone...
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Your 7-Step Guide to Making a Personal Budget
Though making a budget may not be the most exciting activity, it is vital to keeping your finances in order. Learn how to make a budget in 7 simple steps.
The 5 Biggest Mistakes People Make When Buying...
For many, a car is a necessity. But finding the right car with an affordable price tag can be challenging. Learn how to avoid these top car-buying mistakes.
4 Easy Ways to Contact the IRS
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
Why Getting a Tax Refund Anticipation Loan is...
A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return. A tax refund anticipation loan can be approved in a manner of minutes and the money accessible within a day or two
4 Types of Life Insurance: Which One Is Right...
Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you’re making the best choice?
Where's the Best Place to Keep Your Savings?
A look at savings accounts, money markets, certificates of deposit, and savings bonds, and help in figuring out which is right for you.
Tips For Sticking To A Thanksgiving Budget
If costs of Thanksgiving are causing you stress, the very first thing to do is to plan your budget. The second thing to do is stick to it!
Helpful Tips to Budget Your Finances
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
How to Get Your Tax Questions Answered for Free
Are you looking for help with your taxes? Here's how you can get free tax return help and answers to your tax questions by speaking with a live person!
Top Ten Financial Tips
Top Ten Financial Tips: Keys to Financial Success
How to Start Investing Without a Lot of Cash
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here’s how.
Great Tips for Establishing Good Credit
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
4 Social Security Terms You Need To Know
With new changes coming down the social security pipeline, it's important to understand several key terms.
Understanding and Choosing Life Insurance
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
How to Check the Status of Your Tax Refund Online
Have you filed your tax return and are now awaiting a refund? The good news is that you don’t have to be left in the dark in regards to the status of your refund. The IRS has a great tool on their website that allows you to instantly check on your refund status.
Pros and Cons of Leasing a Car
Have you ever been in the market for a new vehicle and wondered whether you should buy or lease? In recent years leasing a vehicle has become very popular and carries some definite advantages depending on certain individual preferences, but before deciding whether to lease or purchase a vehicle there are a number of important factors to be considered.
10 Secrets Of Millionaires That Might Surprise...
The secrets to becoming a millionaire may not be mysterious as you think. Small tweaks, goal setting and long-term investing can help you get there.
The Hidden Cost of Home Ownership Most Buyers...
Closing costs are funds, in addition to a loan down payment, paid at settlement. Costs vary among states, but cash transactions have fewer costs than financed purchases. Although many of the costs are associated with financing, others are independent of the mortgage loan.
Do You Know How to Calculate Your Net Worth?
Your net worth can be a useful tool in measuring​ your financial progress from year to year. Learn what net worth is and how to calculate it.
How to Save Money on Your Mortgage by Avoiding...
Private mortgage insurance, often referred to as PMI, is insurance that lenders require certain borrowers to pay for when they obtain a mortgage.
What You Need to Know Before Buying an...
When deciding to get engaged, you’ll have a lot to think about, but putting yourself into debt by buying an engagement ring shouldn’t be one of them.
How to Save Thousands and Shave Years Off Your...
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
4 Kinds of Insurance Everyone Should Have
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
Payday Loans: Beware of These Dangerous Loans
During these turbulent economic times millions of working Americans are facing, payday loans are becoming a popular source of short-term financing. This has been especially true for low-income families. Payday loans are easy to get and don’t require any sort of credit check, but are they really a good idea?
How To Find Out If You Have Unclaimed Money or...
Find out if you're one of millions of Americans entitled to receive unclaimed money or property. Page 2.
Ten Ways To Cut the Cost of Your Homeowner's...
Ten Ways To Cut Your Homeowner's Insurance Premiums
Easily Get Out of Debt
High interest rates make it difficult for people to pay down their credit card debt.But you can if you follow a few basic steps and put a plan in place.
Pros and Cons of a Joint Bank Account for Couples
One of the main advantages of a joint bank account is that there is a smaller chance of encountering financial “surprises” when all money goes into and comes out of one account. Married couples with joint accounts often have an easier time keeping track of their finances because all expenses come out of one account. This makes it harder to miss account activity, such as withdrawals and payments, and easier to balance the checkbook at the end of the month.
3 Effective Ways to Save Money on a Tight Budget
Would you be interested if I told you there’s a secret to saving money? Well, it’s true. There are a few secrets that can be used to save money, even if it doesn’t feel like you have any money to save. The bad news is that these secrets have been made public for decades and it’s simply up to you to decide whether or not to use them.
Pros and Cons of Investing in Savings Bonds
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
Financial Planning Basics - Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
Maximize Your Employment Benefits
Maximize Your Employment Benefits: Flexible Spending Accounts
Does Your Budget Have These 9 Features?
To avoid having your personal budget go bust, here are the top nine most important features that every successful budget has.
Top Five Money Mistakes College Students Make
College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it’s no wonder that many college students end up making some costly money mistakes.
Is Your Emergency Fund Big Enough?
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
9 Ways to Keep Utility Bills Low in Winter
Here we are, noticing our summer tans fading, dark roots growing out from our scalps, and waiting for the first winter snow fall amidst the freezing rain and blowing wind. Winter is rearing its ugly head and so are heating costs. The television and web are full of great ideas on how to save money on energy costs, but more often than not it takes money to save money. For many, spending money on major home improvement projects to make a home more energy efficient just isn’t in the cards this year.
How to Save for a Down Payment on a House
To secure the best interest rate and avoid private mortgage insurance, it is wise to have a large down payment, but how can you save up for this purchase?
Do You Have Too Much Debt?
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?
Introduction to Investing - How Do I Choose and...
Should you use a Stockbroker or make your own investment decisions? Advice on how to decide, and how to choose and use a broker.
The Easy Way to Create a Budget
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
How the Rule of 72 Can Increase Your Wealth
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.
8 Online Financial Planning Calculators...
When it comes to finances, sometimes you just need a little help. Here are 8 free online financial planning calculators that can answer your questions.
Don't Be Caught Off Guard by Mortgage Closing...
Have you accounted for the added expense of mortgage closing costs? Be sure you know what to look for in the Good Faith Estimate or Loan Estimate.
12 Fees You'll Pay When Buying a Home
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
Should You Take a 401(k) Loan?
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
How to Decide if You Should Co-Sign That Loan
One of the favors that might be asked of you at one point is to co-sign on a loan. Whether your child is asking for help getting his or her first credit card, or whether a friend needs a co-signer for a car loan, you might be asked to help out. Before you co-sign a loan, though, you need to consider the pros and cons associated with taking on this responsibility.
Quick and Easy Cash?
Quick and easy cash? There's nothing easy about payday loans.
6 Questions You Should Ask Yourself Before...
To find the best deal for you, here are the top six questions you should ask yourself (and steps you should take) before you buy a new car.
The Easy Way to Know What to Spend on a New Home
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
If You Filed A 6 Month Tax Extension, Your...
Avoid taxpayer penalties by filing and paying your taxes on time.
Balancing Your Checkbook
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Insurance Basics - Why Do I Need Insurance?
You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren’t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
Ten Tips for Late Starters To Boost Their...
Ten Tips for Late Starters To Boost Their Retirement Savings
12 Estate Planning Myths And Misconceptions
Despite all of the information available when it comes to estate planning, there are still plenty of myths and misconceptions that should be ignored.
Should You Take A Lump Sum or Pension?
If your company downsizes and you are offered a retirement package that forces you chose between a lump sum or pension, what is the right choice?
Maximizing Social Security: When To File For...
With 2,728 rules that govern Social Security, it's critical to speak with a professional regarding how to maximize your Social Security benefits.
Your Car Payment May Prevent You From...
Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.
Examine the Roots of Overspending
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
11 Reasons to Create a Budget Today
Living without a budget is similar to traveling across the country without a roadmap. While both can be accomplished, the result is usually expensive and wasteful.
The Difference Between APR and APY
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Budget Worksheet for College Students
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
How the Convenience of Credit Cards Costs You...
Credit card offers are hard to resist. It would be tough for most people to pass up an offer for a 56 inch plasma television worth $2500 for only $50 a month on a credit card. Even though many individuals can afford a $50 monthly payment, they may not realize that they will end up paying more in interest than for the original cost of the television.
Having a Kid Could Pay Off on Tax Day
Did you know that there is a hefty tax credit available to many households who have a dependent child? This may come as a surprise to many new parents, but it’s important to plan for so that you can make the most of your money. After all, the credit is worth up to $1,000 per child.
Monthly Budget Worksheet for College Students
Answers to the 5 Biggest Financial Questions
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.
Take Advantage of Your Employer’s Open...
The open enrollment period is important because it is one of the few times you can make changes to many of your employer provided benefits.
A Beginner Investor's Guide to Mutual Fund...
Mutual fund distributions are earnings from the fund's operation. Unlike an individual company, a mutual fund is required to pass on profits to investors.
Are You Claiming the Right W-4 Tax Exemptions?
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
How Retirement Plan Assets are Divided in a...
Retirement savings are one of the largest and most valuable assets most people own. Learn what your rights are to retirement assets in a divorce.
Is Refinancing Your Mortgage Really a Good...
If you have a fixed-rate mortgage and mortgage rates are falling, it only makes sense to consider trying to refinance at a lower rate. But as with most things in finance, it isn’t always a simple answer. Refinancing can certainly make sense, but it also costs money to refinance a mortgage. Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.
7 Things To Put On Your Year-End Financial...
Be sure to put these seven items on your end of the year financial to-do list. Check them off one by one and you'll start the new year off right!
Top 4 Digital Tools for Personal Money Management
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Everything You Need to Know About Your FICO...
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
Should Teens Have Credit Cards?
Should Teens Have Credit Cards? Financial Planning.
Should Teens and College Students Have Credit...
If you want your child to have good spending habits and resist the temptation that can come with having a credit card, it’s up to you to educate them.
Money Secret #3: The Happiest Retirees Have...
Paying off your mortgage is a great way to free yourself from the chains of a big monthly payment.
7 Ways To Increase Your Net Worth
If you've calculated your net worth and it's less than what you'd hoped, don't be alarmed! There are lots of way to increase that number, starting today.
Pros and Cons of Owning a Home: Are You Ready?
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
Get Next Year’s Income Tax Refund Now
The IRS sends out nearly 100 million income tax refunds each year. That’s a lot of money! If you’re like most taxpayers, you’re probably familiar with the drill. You have taxes withheld from your paycheck all year and then come March you begin to prepare your taxes so that you can get that tax return. Since the average tax return is a little over $2,000, this is real money that can go toward a number of important financial issues in your life.
Is Life Insurance A Good Investment For You And...
Is life insurance a good investment for you? Be sure to weigh factors such as age, health, and family when making this decision.
Get Unclaimed Money or Property You're Entitled...
Get Unclaimed Money or Property You're Entitled To
Should You Buy Identity Theft Insurance or...
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
10 Financial Resolutions for the New Year
Try to stick with these ten financial resolutions for the new year. They will be sure to benefit your short-term and long-term fiscal health.
Fun Ways for Teens to Make Extra Cash
Some teens want to work right out of the gate, but in many cases you’ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.
Types of Individual Health Insurance Policies -...
If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.
What Single Parents Should Know About Child...
Everyone is responsible for the child they bring into this world. It doesn’t matter if was planned, unplanned, or even a child through adoption. This child has a right to be raised in a safe environment and provided everything needed which often includes financial support even if one of the parents are not around.
How to Take Advantage of Lower Mortgage and...
What should the lower interest rates mean to you? We discuss mortgage moves you should and shouldn't consider during periods of low interest rates.
Is It Time For An Economic Shutdown?
There's nothing magical about the economic shutdown, it's simply a dramatic change in your spending and lifestyle to get out of debt and save big.
5 Tips For Do-It-Yourself Investing
Do-it-yourself investing requires determining how much money you need, learning the fundamentals, research, and using various tools and resources.
Retirement Planning 101
For most of us the quality of our retirement will depend on how much money we saved. While you may have some retirement income in the form of Social Security or a pension, more often than not it isn't enough. That means it's up to you to plan for and put some money aside for retirement. Here's what you need to know to get your retirement on track.
Why You Need an Automatic Savings Plan
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
3 Common Retirement Planning Mistakes
When it comes to preparing for retirement, be aware that sometimes strategies that seem like common sense approaches can lead to costly mistakes.
Tips for Saving Money When You're Single
Being single presents some unique financial planning challenges. There are a few things you need to keep in mind when managing money just for yourself.
Ways to Improve Your Credit Score
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
Credit and Debt 101
Credit cards and other forms of debt can be an essential part of your financial toolbox, but you must exercise care when using credit and taking on debt. Find out the difference between good debt and bad debt, and learn how to establish credit and maintain a good credit score.
Do You Know Which IRA Type is Best for You?
IRAs are an essential piece of retirement planning. When choosing between a Traditional IRA or a Roth IRA you must first know the differences.
6 Tips for Coping with Financial Emergency
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
Joint Or Separate Checking Accounts?
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Adjusted Gross Income (AGI)
Adjusted gross income is used in federal tax filings. AGI is your gross income minus applicable deductions.
How To Become a Millionaire
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
You Could Be Paying Too Much in Taxes If You're...
When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don’t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.
How much money do I need to retire?
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
Can You Afford to Have Kids?
Can You Afford to Have Kids? Financial Planning for a New Baby
College Students and Money
College living is an exciting and challenging undertaking for most students. Moving away from mom and dad, living on your own and making decisions for yourself and having to manage your own finances are just a few of the roadblocks you will be facing.
How to Pave the Way to an Early Retirement
Put yourself on the road to retiring early by making some important calculations and aligning your resources.
4 Money Magazines Every Investor and Business...
Money magazines are some of the best financial reading material available, so we've compiled the top 4 money magazines the everyone should read.
Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
Finding a Lost Pension
t may seem impossible to track down the old pension provider but there is a valuable resource available to the public in the form of the Pension Benefit Guaranty Corporation.
Top 10 Personal Finance Books for All Ages
Money and personal finance advice is easy to find, but good and practical advice isn't. So here are the top 10 books for personal finance advice.
The First 4 Things You Should Do With Every...
It is always a critical time to begin managing your money wisely. Here are the first four things every post-grad should do with their paycheck.
A Simple Technique for Getting Out of Debt Fast
The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first. Getting out of debt is one of the top financial goals for many people.
Investing 101: What Are Bonds?
Most investors are familiar with the two primary types of investments: stocks and bonds. Stocks are easy to understand because we hear about the stock market on a daily basis. The news constantly reminds us about whether the stock market is going up, down, and what companies are doing the best and worst. What about bonds? Most of us have bonds in our portfolios, but we hear very little about bond markets or how these financial instruments actually work.
All About Income Taxes
All About Income Taxes - Your One-Stop Income Tax Guide
Marriage and Money - Planning Your New...
Marriage introduces changes in a new couple’s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship. Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.
The Psychology of Spending Money - Advice on Debt
The Real Culprit Behind Your Urge to Splurge
How to Have an Affordable Wedding
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
Get Next Year's Income Tax Refund Now
Get Next Year's Income Tax Refund Now
Asking for a Lower Interest Rate
As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.
Can't Pay Your Taxes? Here Are Some Options
The realization that you can’t afford to pay your taxes can make you feel uneasy, but don’t worry, there are some actions you can take to remedy the situation.
An Introduction to Saving Money
The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
3 Terrible Ways to Pay Off Your Debt
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
How to Create a CD Ladder
Creating a CD ladder can be a creative and simple way to take advantage of a traditionally safe investment product. By laddering your CDs, you can maximize your potential earnings and determine the frequency at which you'd like them available.
3 Types of Insurance Policies That You Don't Need
There are insurance policies that everyone should have, but there are just as many that most people are probably better off without.
Frequently Asked Questions About Your Social...
There is a lot dependency on Social Security, yet the system is very confusing for many people.
How To Cut Costs On Health Insurance
Health Insurance is one of the largest costs of living to date. This is due to a number of reasons and getting it under control has been a top priority during several presidential administrations, yet nothing seems to be improving.
10 Things To Know About A Health Savings...
If you can afford a high deductible healthcare plan, a Health Savings Account will provide you with the triple crown of tax savings.
What You Need To Know About The Types of...
If you believe a college education is out of your reach financially, think again. Learn about the types of college financial aid you might be eligible for.
Do You Know What 4 Things to Watch Out for on a...
Credit card promotions can be quite tempting, but unless you read the fine print, you could be hit by hidden fees or unexpected rate increases.
Checkbook Balancing Form
Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1.  Outstanding
The Ten Times Test: An Exciting New Rule of...
The Ten Times Test is a great new rule of thumb to help you accumulate wealth. Concentrating on what you spend versus what you have saved is key.
Consumer Credit Counseling Services
Many people worried about overdue bills and debt collectors can seek out these nonprofit agencies to help you find a workable solution to financial problems.
How to Avoid Becoming a Victim of the Jailhouse...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >By simply answering
Survey Says: Even The "Rich" Are Stressed About...
Money stress tops the list as the number one stress that Americans face. Start putting a plan in action to start relieving stress today.
The 2 Things to Know About Your 401(k) Before...
The wrong move could cost you thousands of dollars. So here are the two most important things to know about your 401(k) before you leave your job.
10 Tips to Help Prevent Identity Theft
You’ve heard about identity theft in the news, and if you’re like most people, you probably think it will never happen to you. While there is a good chance that you’ll never experience this unfortunate situation, it only takes one misplaced document or accidentally clicking on a link on the web to put you at risk. Because it is becoming easier for thieves to obtain the information needed to steal and damage your identity, it is important to take a proactive approach and protect yourself.
How to Find the Financial Advisor That's Right...
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
Identity Theft
Identity Theft: What Is It? How Can You Prevent It? What Can You Do If You're a Victim? What's Your Identity Theft Risk?
Save Money by Choosing the Correct Tax Form
Taxes are one of the certainties in life, and the IRS doesn’t make filing a tax return the easiest thing in the world. For individuals, there are a number of variants for the same form. You have form 1040, 1040A, and even 1040EZ.
How to Spot A Financially Abusive Relationship...
Ginger, owner and founder of Girls Just Wanna Have Funds, explores why women need financial advice. She covers many topics including financial abuse.
Do You Know The First Step to Wealth and...
Personal financial planning is an ongoing process, and most personal finance experts agree that the first step to success is to make a budget.
Do You Know Where the FICA Employment Tax You...
Your pay stub may show a portion of your gross pay going toward FICA Medicare and Social Security taxes), but do you know exactly where that money goes?
Planning for the Future - Making the Most of...
When it comes to planning for the future, most people think of retirement. Retirement planning is important because it allows you to do the things that you were unable to do while working—travel, start a business, go back to school, be closer to family, or simply relax. Because retirement is such an important phase in your life, careful planning is a must.
Bankruptcy - How It Works and How to Prevent It
The Importance of Your Credit Score
Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.
3 Traits for Budgeting Success
Most people fail not in creating a budget but maintaining one. Three traits you must have: a positive attitude, motivation, realistic expectations.
5 Ways Everyone Wastes Money (and How to Stop!)
A big drain on your finances is bad money management. When it comes to monthly expenses, it can be difficult to identify financial leaks, but just like those tiny drops of water, pennies at a time can add up to an ocean of lost cash. So, pull on your plumber's overalls and put these five tips in your tool kit.
How to Create a Workable Personal Budget
Another year is in the books, so don't let this one slip by without opening up a different kind of book and detailing your income and spending today.
Maintaining Health Insurance During Early...
If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you’re generally only paying a portion of the total premium in a large group plan. So, what happens when you are no longer employed and eligible for these benefits?
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