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Personal Finance

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?

What's The Best College Saving Strategy When You Have Young Kids?

Carrie Schwab-Pomerantz, CFP | Posted 01.12.2015 | Money
Carrie Schwab-Pomerantz, CFP

And as important as it is to start saving for college, it's equally important to be strategic about how you do it. From tax considerations to investing to understanding financial aid formulas, there are ways to get more mileage out of your money.

10 Energy Saving Tips To Save Money On Your Electric Bill

Stephanie Snay | Posted 11.12.2014 | HuffPost Home
Stephanie Snay

Do you suffer from sticker shock when you see your monthly electric bill? No matter what your financial situation looks like, paying bills is about as much fun as a root canal.

What To Do When Your House Becomes An Empty Nest

Simple. Thrifty. Living. | Posted 01.11.2015 | Fifty
Simple. Thrifty. Living.

It's a sad moment when the last of your kids leaves home. While it can be emotional, you should also remember that you no longer have to pay for braces or broken arms or feeding growing kids, which means your finances will be freed up a bit.

10 Steps To Fixing A Credit Report Error

WiserAdvisor.com | Posted 01.10.2015 | Money
WiserAdvisor.com

Did you spot a mistake on your credit report? Take action immediately. This isn't the sort of thing you should overlook. A single blemish on your credit report can negatively affect your ability to get a loan, apply for a job, and may even be a symptom of potential identity theft.

Credit Card Debt: 12 Common Debt Habits That Lead to Financial Ruin

Amandah Blackwell | Posted 01.10.2015 | Money
Amandah Blackwell

The reasons for credit card debt vary from person-to-person. But there are some common debt habits that can lead to credit card debt and cause it to grow instead of shrink. Likewise, there are ways you can break free from the clutches of credit card debt.

The Stunning Evolution of Millennials: They've Become the Ben Franklin Generation

Adam Hanft | Posted 01.07.2015 | Business
Adam Hanft

While it is true that most financial behemoths make their big money from the corporate side, I think even that world - which is very much driven by advisory services and complex financial products - is vulnerable to the upside-down view of the Ben Franklin generation.

Are Extended Warranties Worth the Cost?

Jason Alderman | Posted 01.05.2015 | Money
Jason Alderman

You're in final negotiations to buy a new car and the dealer is urging you to protect your $20,000-plus investment by purchasing an extended warranty (also known as a service contract). Are these costly add-ons worth the expense or simply a sucker bet intended to boost the seller's bottom line?

Is Maxing Out Your 401(k) Enough?

Carrie Schwab-Pomerantz, CFP | Posted 01.05.2015 | Money
Carrie Schwab-Pomerantz, CFP

It's understandable for us to assume that the government-allowed maximum 401(k) contribution would be sufficient -- and sometimes it is. The reality, though, is that there is no magic number that works for everyone. To get a more reliable assessment, you have to take a deeper look.

I'm 28, And I've Never Had A Credit Card. Ever.

Natalie Bacon | Posted 01.05.2015 | Money
Natalie Bacon

During college, I saved money over the summers and used my savings for any extra spending money. Now, I operate the good old-fashioned way: cash only, baby.

Investing in Your Future -- It's About Time

Kathleen Murphy | Posted 01.05.2015 | Women
Kathleen Murphy

Growing up, my mom and dad had a very traditional approach to family financial matters. My mom took care of the household bills and my dad handled the investment decisions. It worked quite well for them... until my dad suddenly passed away of a heart attack at the young age of 57.

5 Really Cool Retirement Calculators

Rob Berger | Posted 01.05.2015 | Money
Rob Berger

Technology is changing the way we manage our money. So called robo-advisors have automated saving and investing, calling into question the value of high cost investment advisors.

Why I Stopped Defining Someone Else's Version of Success

Russell V. J. Ward | Posted 01.02.2015 | Business
Russell V. J. Ward

I choose success defined on my own terms, where I determine what's valuable to me, certain that I'm headed on the right journey, in control and doing what I love most.

14 Things You Need To Do To Be A Financial Adult

Credit.com | Posted 01.03.2015 | Money
Credit.com

With so many young adults moving back in with mom and dad, that line between childhood and adulthood is blurring. Whatever your financial situation, though, you can begin taking steps to become an independent financial adult.

Ben Walsh

Sorry, But Saving Money Won't Make You Rich

HuffingtonPost.com | Ben Walsh | Posted 11.03.2014 | Business

If you think you can save your way to wealth, you’re wrong. Spending less than you make is not the path to riches. Instead, wealth comes and goes as asset prices – real estate, stocks, and bonds – rise and fall.

3 Crucial Money To-Dos For Every Decade Of Life

LearnVest | Posted 12.30.2014 | Money
LearnVest

If you adopt a marathon approach to money, it can allow you to take a more holistic look at your overall financial picture to see how decisions that you make in your 20s and 30s can impact your 40s, 50s and beyond.