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Personal Finance

Have Low Mileage? You May Qualify for a Car Insurance Discount

Laura Adams | Posted 05.29.2015 | Money
Laura Adams

A new Princeton Survey Research Associates International study found that just 16 percent of Americans have asked their car insurance provider for common discounts -- meaning millions of dollars of potential savings have been left on the table.

31 Worst Fees in America

GOBankingRates | Posted 05.21.2015 | Money
GOBankingRates

Like the insidious overdraft penalty, the key to avoiding a replacement fee is to keep careful watch of your debit card and not lose it. If you do, try to take out cash through a teller and be patient until your replacement card arrives.

Annuities, Experts and My Losing 90 Pounds

Don McNay | Posted 05.21.2015 | Business
Don McNay

I was in a coffee shop, having breakfast with my daughter, Angela Luhys, on a week when my weight loss had reached the 90 pound mark since November. While sharing this great milestone with Angela, the guy in the booth behind me was trying to sell an annuity.

Credit Card Rewards Redemption: Value v. Points

CompareCards | Posted 05.21.2015 | Money
CompareCards

Understanding your credit card rewards can be tough! Those that play the rewards game and win, like ThePointsGuy.com and FrequentFlyerGuy.com, will often reference the importance of getting the most value from your points or miles in order to get more out of them than the typical 1 point=1 cent.

7 Ways to Teach Your Kids About Money This Summer

Steve Siebold | Posted 05.29.2015 | Parents
Steve Siebold

The most financially aware parents teach their children that it's right to want to be rich, and it's also possible for anyone who thinks big.

The CFPB & Prepaid Industry Face-Off

CompareCards | Posted 05.29.2015 | Money
CompareCards

The Consumer Financial Protection Bureau (CFPB) is a relatively new federal agency that was born in a swirl of political controversy, thanks to harsh opposition from many members of the financial industry and the lawmakers who strive to protect their interests.

Living Beneath Your Means: The Foundation of Financial Independence

Bob Lotich | Posted 05.20.2015 | Money
Bob Lotich

The whole concept of living beneath your means is so simple that it's virtually "old school". There's nothing high-minded about it, and no product to sell to help make it happen. There are a number of ways in which living beneath your means can virtually revolutionize your entire financial life.

More Retirees Are Dealing With Student Loan Debt

Simple. Thrifty. Living. | Posted 05.20.2015 | Business
Simple. Thrifty. Living.

It turns out that recent graduates are not the only ones being hammered by large amounts of student loan debt. More seniors than ever before are heading into retirement still paying off their student loan debt.

3 Important Financial Lessons For Recent College Grads

Andrew Plepler | Posted 07.02.2015 | Business
Andrew Plepler

A new graduating class of talented college students will soon walk across the stage to receive their diplomas, and if you’re reading this, you may b...

Women and Retirement: Can You Afford Not To Save?

Carrie Schwab-Pomerantz, CFP | Posted 05.15.2015 | Money
Carrie Schwab-Pomerantz, CFP

There's been a fair amount of press recently about how women are falling behind in retirement savings. There are lots of explanations: women put others' needs first; or they believe they can rely on their husbands for retirement; or they're more risk averse when it comes to investing. But the hard truth is: We need to take care of ourselves.

What Retirement Really Looks Like When You Put Off Saving

LearnVest | Posted 05.15.2015 | Money
LearnVest

The earlier you start that nest egg, the less you'll need to deprive yourself in your later years when you have to play catch-up. Plus, the longer you put off saving, the less likely you'll be able to achieve the lifestyle you truly desire in retirement.

The Graceful Way to Handle Your Student Loan Grace Period

SALT | Posted 05.15.2015 | Money
SALT

Check that each of your servicers has your current address, and make sure to update them any time that you move. Just because you don't get the bills, doesn't mean you aren't responsible for making the payments.

Improving Millennials' Financial Literacy With Mobile Technology

Jason Alderman | Posted 06.01.2015 | Money
Jason Alderman

The global growth of handheld digital devices among younger people is transforming the way consumers are getting their information in general, and financial information in particular. On April 15, the 2015 Financial Literacy Summit brought together international financial literacy experts to discuss how mobile technology can improve financial literacy for today's young adults.

Can Your Credit Score Be Too High?

CompareCards | Posted 05.15.2015 | Money
CompareCards

Think of it like this; a 740 credit score is the equivalent of an A+, and there is no such thing as A+++++. If you have a credit score significantly above 740, then I suppose you can brag about it to your friends, but you won't receive any benefits above what you would have if your score was just 740.

How Two Newlyweds Paid Off $52K Of Debt In Under Two Years

LearnVest | Posted 05.08.2015 | Money
LearnVest

Before tying the knot in 2008, my wife, Kim, and I never discussed money. But I had financial skeletons in my closet. With $18,000 in student loans and another $18,000 from an auto loan, I brought a significant amount of debt into our marriage.

The Rise of the Multi-Generational Home

Barry N. Koslow, J.D. | Posted 05.07.2015 | Money
Barry N. Koslow, J.D.

Here's a frightening thought: a nice tidy household with great grandparents, grandparents, mom and dad and you -- and, you are 30 years old. A bad dream? Reality? A possibility?

12 Ways to Cut Down on Daily Expenses

Diane Gottsman | Posted 05.07.2015 | Money
Diane Gottsman

If you've ever wondered where your paycheck went, you are not alone. Most of us spend money on small expenses that may seem insignificant, but over time slowly drain our funds. Money in the bank equals flexibility, freedom and choices. If a $10 a day latte habit seems minor, consider the expense of more than $3,600 per year.

4 Retirement Risks You Should Consider

Eric Taylor | Posted 05.06.2015 | Money
Eric Taylor

Although the road to a comfortable retirement is full of uncertainty, the good news is that you don't need to predict the future to be able to prepare for it. You have the power to make decisions today that will directly impact how you live tomorrow.

Avoiding A Personal Retirement Crisis

Stuart Robertson | Posted 05.06.2015 | Money
Stuart Robertson

With the future of Social Security uncertain and an increasing number of workers approaching retirement, having access to intuitive, low-cost retirement plans along with a sound strategy to work toward retirement goals is more important than ever.

How Much Should You Be Saving?

Carrie Schwab-Pomerantz, CFP | Posted 05.06.2015 | Money
Carrie Schwab-Pomerantz, CFP

The future can seem so far away, and the path to that future so unsure, that it can be difficult to know exactly how much to save... or even to find the motivation to get started. The reality, though, is that the earlier we start to save -- whether it's for retirement or other goals -- the less difficult the challenge becomes.

What Is a Reverse Mortgage?

Simple. Thrifty. Living. | Posted 05.04.2015 | Money
Simple. Thrifty. Living.

While reverse mortgages can provide significant cash during retirement, they may not be the best choice for everyone. If you are thinking about a reverse mortgage, discuss your options with a neutral financial adviser. Always know all the details before making any financial decision.

Sex, Drugs, and No Control: The Wild Ways of Banks Continues

Steven Abernathy and Brian Luster | Posted 06.29.2015 | Business
Steven Abernathy and Brian Luster

How will investors be protected going forward? If history is any indication of the future, banks at times are free to do exactly as they please--as long as they pay to play. Clients deserve far better than illegal, unethical, and egregious behavior from "trusted" banking institutions.

How To Model Good Money Habits To Your Kids

Andrew Plepler | Posted 07.02.2015 | Business
Andrew Plepler

Based on my experience raising three children, I know how difficult it can be to find the time and focus to teach them about the basics of money. But ...

3 Moves To Build Money Confidence In Your 20s, 30s, 40s and 50s

LearnVest | Posted 06.30.2015 | Money
LearnVest

The older you get, the more confident you'll feel about your money, right? Actually, no. According to new research from LearnVest, it turns out that age doesn't necessarily correlate with financial confidence in the way you might expect.

5 Smart Ways To Spend Your Tax Refund

WiserAdvisor.com | Posted 06.30.2015 | Money
WiserAdvisor.com

Regardless of how you choose to spend your tax refund, the most critical tip is that you make a conscious decision about how to use that money.