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Personal Finance

Holiday Spending Worries? Generosity Doesn't Always Come With A High Price Tag

Carrie Schwab-Pomerantz, CFP | Posted 02.02.2015 | Money
Carrie Schwab-Pomerantz, CFP

So often during the holidays, people worry about over-extending their budgets or they feel bad that they can't afford the type of gifts they'd like to give. But to me, being generous isn't just about money. It's about being thoughtful and willing to share your time and knowledge as well as your good fortune.

Personal And Business Credit Cards: What's The Difference?

NextAdvisor.com | Posted 02.02.2015 | Money
NextAdvisor.com

Depending on the kinds of purchases you make, and how frequently you make them, a business card might be useful to have, even if you don't run one.

10 Ways to Cut Your Holiday Expenses

Jason Alderman | Posted 02.02.2015 | Money
Jason Alderman

Bottom line: It's called the holiday season, not the spending season. If you enjoy traditional gift-giving, shape your finances throughout the year to make it happen. If you are facing financial problems or simply want to make a change in old spending routines, share that information with loved ones.

5 Millennial Power Saving Tips -– Ways to Live Frugal Part 2

Leeanne Brennan | Posted 02.01.2015 | Money
Leeanne Brennan

Sticking to a budget is as much of a sick mental game as it is a practical life strategy. For Millennials like me who are desperately struggling to climb our way out of debt, we're willing to go the road less traveled.

The Irony of Intelligence

Steven Abernathy and Brian Luster | Posted 01.31.2015 | Fifty
Steven Abernathy and Brian Luster

The smartest, most successful, highly effective people understand how to distinguish and separate that which is critically important (and in their control) from that which ultimately won't make a critical difference -- or, is outside of their circle of competence and control. It's an important distinction.

What Will You Do For Giving Tuesday?

Carrie Schwab-Pomerantz, CFP | Posted 01.31.2015 | Money
Carrie Schwab-Pomerantz, CFP

There's a new date to put on your holiday calendar -- Giving Tuesday, the first Tuesday after Thanksgiving. Introduced in 2012 as an international day of charitable giving, the idea behind Giving Tuesday is to channel some of the spending energy that flows around Black Friday and Cyber Monday into giving energy.

How To Avoid The Credit Mistakes 20-Somethings Make

Credit.com | Posted 01.26.2015 | Money
Credit.com

Whether you're ready for it or not, your future will come, and when it does (usually quicker than expected), you will likely

5 Tips to Wealth Creation

Kim Harris | Posted 01.26.2015 | Money
Kim Harris

Assuming that wealth was a stranger who decided to knock on your front door, would you let the stranger in? Probably not, most would see a stranger and not the potential good the stranger could possibly bring.

What It Takes To Banish Bad Money Habits

LearnVest | Posted 01.24.2015 | Money
LearnVest

If you've ever experienced a sense of euphoria after paying off your credit card in full or purchasing a piece of furniture that finally completes your living room, you know that our relationship to money isn't just a purely economical one. There's a big psychological component, too.

Unexpected Resource for Personal Finance Tools

Jim Gibson | Posted 01.21.2015 | Money
Jim Gibson

Who would have thought it? Would you believe there is set of financial tools and resources out there just waiting for you to stop by and give them a spin?

The Rich Are Getting Richer; 7 Secrets to Their Success

Steve Siebold | Posted 01.21.2015 | Money
Steve Siebold

In my 30 years of interviewing more than 1,200 of the world's wealthiest people, I've found some major differences in how the wealthy approach money compared to the middle class.

How This 28-Year-Old Paid Off $81K In Debt

Credit.com | Posted 01.21.2015 | Money
Credit.com

As a kid, Austin Netzley remembered being enthralled with the concept of money and promising himself that one day he'd be wealthy. And now, at 28, by most people's measure, he is. He's been an athlete, student, engineer and entrepreneur. And at this point in his life, he considers himself "retired."

You Can Train Your Brain To Make Smarter Money Decisions. Here's How

LearnVest | Posted 01.20.2015 | Money
LearnVest

The human mind doesn't always work in our best interests when it comes to spending decisions. But the good news is that scientists are trying to tackle the problem -- and uncover how we can retrain our brains to make better choices.

Want Savvier, Less-Stressed Employees? Provide Them With Financial Education

Julie Stich | Posted 01.19.2015 | Business
Julie Stich

Most employers would agree that financial education programs for employees are a good idea, but many may find it hard to justify enacting such a program in the workplace. After all, how do you determine ROI on this type of initiative?

Should You Be Debt-Free Before You Retire?

Carrie Schwab-Pomerantz, CFP | Posted 01.19.2015 | Money
Carrie Schwab-Pomerantz, CFP

Keeping control of overall debt is an important part of financial planning no matter what your stage of life. But a flat statement about eliminating all debt in retirement may be too simplistic. That's because the amount of debt you can comfortably handle is very individual and depends on your bigger financial picture.

How Prudent Investors Should Handle An Environment Of "Low Returns"

Jesse Felder | Posted 01.16.2015 | Business
Jesse Felder

The bottom line is a 10-year treasury note pays you little more than 2% per year and stocks are likely to earn you even less over the next decade. So what's a prudent investor to do?

No Regrets: Three Money Mistakes To Avoid

Jonathan K. DeYoe | Posted 01.17.2015 | Money
Jonathan K. DeYoe

As I see it, there are only three big mistakes (not 300 tiny ones) that will completely torpedo your financial future. These three mistakes are almost impossible to reverse -- especially once they become habits.

10 Things Only Personal Finance Nerds Would Understand

Brandon Turner | Posted 01.14.2015 | Money
Brandon Turner

In other words, I enjoy talking about money and what it can do. I find the entire concept of money fascinating and love to find ways to make it, spend it, invest it, hide it (legally!), multiply it and share it.

5 Ways Your HR Department Can Ruin Your Finances

GOBankingRates | Posted 01.13.2015 | Money
GOBankingRates

While most HR departments have proper practices and procedures in place to reduce their liability, that doesn't stop them from making mistakes. The consequences of these mistakes can be far-reaching and can impact employees' finances greatly.

7 Tips To Keep You On-Budget This Holiday Season

WiserAdvisor.com | Posted 01.14.2015 | Money
WiserAdvisor.com

It's too late to "get a jump" on saving in advance for this holiday season, but that doesn't mean you're stuck paying through the nose.

The Holiday Shopping Danger You Won't See Coming

Adam Levin | Posted 01.14.2015 | Money
Adam Levin

While all of us are at risk of becoming a victim of identity theft this holiday shopping season, there's an even bigger problem. It not only pre-dates the digital era, it was around long before credit cards: It's spending more than you can afford.

You're Finally Debt-Free. Now What?

LearnVest | Posted 01.13.2015 | Money
LearnVest

It's a surprisingly common position to be in: You finally achieve the impossible (or at least what seemed impossible for a long time) and become debt-free, but instead of feeling financially empowered, you have a deer-in-the-headlights episode. You're so accustomed to being in debt that you don't quite know what to do without it.

Solving the Rubik's Cube of Retirement Saving

Richard Barrington | Posted 01.13.2015 | Money
Richard Barrington

Looking at the process of retirement savings as a Rubik's Cube with six sides will help you account for all the different pieces that need to fall into place. That doesn't make it easy, but it beats focusing on just one or two sides of the puzzle and then finding that everything else is a mess.

Saving More Money Means Creating More Time, Not Cash

MyBankTracker | Posted 01.13.2015 | Money
MyBankTracker

How to save money has become an endangered activity in the United States. In September, the Federal Reserve Bank of St. Louis reported that Americans' personal savings rate was 5.6 percent of disposable income, about half of what it was between 1960 and 1980.

Notes From The Soccer Pitch: 'Winning' Is Reaching Your Goals

Jonathan K. DeYoe | Posted 01.12.2015 | Money
Jonathan K. DeYoe

In the end, we all win some and lose some, but you need to keep putting on your cleats if you want to come out ahead. This is how it works in personal finance, as well. So why is winning in the investment game usually defined by the financial press as outperforming the market?