• Why You Should Check Your Credit Score and Credit Report

    Why You Should Check Your Credit Score and Credit Report

    You have probably heard about the importance of your credit score and credit history, and may have even shrugged it off, but there are a number of reasons to check both. You know that the better your credit score, the better your chances of being approved for a loan, and the lower the rate. But [...]

  • How to be a Conservative Investor

    How to be a Conservative Investor

    When most people think about being a conservative investor, thoughts of keeping money locked away in an FDIC insured savings account, parked in CDs, or in government bonds. After all, what could be more conservative than that? The problem is that there is a difference between conservative investing and no-risk investing, but many people mistake [...]

  • How Much Life Insurance Do I Need?

    How Much Life Insurance Do I Need?

    Life insurance tends to get a bad reputation even though most people have a legitimate need for coverage. The main problem is that there are many different types of life insurance and almost all policies are sold by someone working on commission. This scenario is perfect for abuse when you have people pushing a product [...]

  • 6 Things You Need to Know Before Buying Your Next Car

    6 Things You Need to Know Before Buying Your Next Car

    Buying a Car? Make Sure You Follow These Tips The days of being a clueless consumer walking into a dealership and letting the car salesmen explain all of the features of the new models are over. Today, you have the internet on your side. You can learn anything you’d ever want to about any car [...]

  • Social Security – What You Need to Know About Benefits, Coverage, and Eligibility

    Social Security – What You Need to Know About Benefits, Coverage, and Eligibility

    Social Security Benefits and You Social Security is a sore topic for many people. The system is flawed, it’s in significant financial trouble, and the younger generations aren’t expecting to see a penny from it when they retire. While it’s true that Social Security has its problems, it still pays out benefits to tens of [...]

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  • How to Have a Memorable Valentine’s Day Without Spending Any Money

    How to Have a Memorable Valentine’s Day Without Spending Any Money

    With Valentine’s Day fast approaching, it’s all too easy to fall into the trap of spending money you don’t have on things that you don’t need. If you’re looking for ways to make your loved ones feel special this February 14th but don’t want to go broke doing so, you’ve come to the right place. [...]

  • How to Check Your Tax Refund Status and When It Will Be Deposited

    How to Check Your Tax Refund Status and When It Will Be Deposited

    Once you’re filed your taxes, either electronically via eFile, sent off by your accountant, or mailed in the old fashioned way, you’re probably wondering when you can get your hands on that tax refund check. You can check your tax refund status 24 hours a day, 7 days a week, using the Where’s My Refund? tool on [...]

  • How to Turn a Hobby Into a Business

    How to Turn a Hobby Into a Business

    Did you know there are over 20 million sole proprietorships in the United States, and those individual businesses account for about 80 percent of all small businesses? The entrepreneurial spirit has fueled innovation and economic growth in this country since its inception, and people today are keeping the spirit alive and well. It makes sense because owning [...]

  • Is It Really Possible to Live Without Money?

    Is It Really Possible to Live Without Money?

    There’s such a thing as being really frugal but can you truly survive without money? How would you acquire the things that you need? Could you feed, clothe, and provide shelter for yourself without going to extreme measures? Would you find it freeing to be rid of all the material things weighing you down physically, [...]

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  • Investing

  • Mutual Fund Fees for Beginners – Loads, Expense Ratios, and Share Classes

    Mutual Fund Fees for Beginners – Loads, Expense Ratios, and Share Classes

    Mutual funds are one of the most common investment tools for the average investor. You’ll find them in your 401(k) plan, in your IRA, and everywhere in-between. Mutual funds are popular for good reason. They provide instant diversification without requiring a lot of money. Instead of having to pick all of the individual stocks you [...]

  • 6 Funds To Hedge Against a Recession

    6 Funds To Hedge Against a Recession

    The word recession has investors searching for safe investments until the market rebounds. Just take a look at how the market has reacted recently. Investors want the maximum yield with the least risk involved. Luckily, options are available for investors to weather the storm until the economy improves. Mutual or index funds are a collection [...]

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  • Retirement

  • It’s Not Too Late to Max Out Your 2011 IRA Contribution in 2012

    It’s Not Too Late to Max Out Your 2011 IRA Contribution in 2012

    Max Out Your 2011 IRA in 2012 The calendar may have flipped to the new year, which means most tax tricks, tips, and deductions have closed the book on last year’s taxes, but that isn’t the case for your IRAs. Individual Retirement Accounts are unique in that they give you up until when you file [...]

  • 5 Reasons to Not Borrow From 401k

    5 Reasons to Not Borrow From 401k

    You won’t believe what I’ve been hearing at work lately.  Fellow employees are taking out loans against their 401k accounts and borrowing money!  I don’t know if there are people out there giving advice to do this, but it’s probably one of the worst ideas I’ve ever heard of.  In fact, I would peg it [...]

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