Archive for April, 2009
The Accumulation Phase before Retirement
This might be the most important phase of your retirement plans. This is the meat of things, so to speak. The accumulation phase comes after you did your maximal computations of how much would be needed to live comfortably after your retirement. We’re not talking about a few years here; we’re talking about half a [...]
Veering Away from the Endless Pit of Bankruptcy
Yes, we use the most common term to denote despair to describe bankruptcy, because that’s what it is. To file for bankruptcy means you’re willing to give away all your remaining assets to pay off your debts. All else will be forgiven by a judge. However, the record will stay with you for a decade, [...]
Fresh Graduate, With a Job and No Savings: Sound Familiar?
This is a common problem from fresh graduates. They have everything on their plate with a fresh, encouraging job. They spend a few hours every week at a local gym or fitness club wanting to be as energetic as they were back in their varsity days. Does this sound like you? If it does, let [...]
Go Wild on Mortgage Payments Today
Because you don’t want to spend your last thirty or forty years on Earth paying for a home, you won’t really enjoy anymore, pay for your mortgages now while you’re still young and sprightly. When you reduce all your debts now, you pay for less when you’re in retirement age. You can enjoy more of [...]
Mortgage and Retirement Blues
Did you know that the usual conundrum for people in retiring age is that they have to amass at least $600,000 to pay off for their new home, in the event that they do buy one when they finally get into their golden years?
With this in mind, make sure that you have your money in [...]
Be Thrifty When the New Baby Arrives
Some couples think that in order to give their newborn babies the absolute best, they have to buy the most expensive baby things. This includes hypoallergenic diapers, expensive diaper rash creams, expensive milk formulas, Baby Einstein records, etc.
While it’s okay to protect your baby’s skin from the discomfort of rashes, we think it’s absolutely dumbfounding [...]
Section 529 Is Here to Help You
Investments into Section 529 plans are usually used to lower the basic costs of getting higher education. Where many people stop completely, Section 529 investments allow students to pay for their tuition fees, protected from the variability of interest rates and other changes in the world market.
When you invest in Section 529 plans, you end [...]
How to Get Good Financing for Car Purchases
In the United States, there is only a very small percentage of people who can buy a car outright with cash. Since the values of cars in expensive countries such as the US often supersede the annual income of many people, buyers turn to financing to get their hands on new cars.
Usually, car prices are [...]
How You Can Save During Holidays
The holidays are notorious for destroying hard-earned savings and emergency funds. Also, people are more prone in maxing out their credit cards during those few weeks when people are required to be happier and more generous than usual to people they haven’t seen in a while.
Those small expenses on greeting cards, small towels and trinkets [...]
Dealing with Debt the Right Way
For many people, debt appears to be a bottomless pit of adjustments, high interest rates and endless fencing matches with unwilling lenders. While this is true for majority of people who have never completely left the dark caves of debt, you don’t have to follow suit. There are simple ways to deal with something that’s [...]