Investing & Retiring

The holidays are supposed to be a jolly time, but this year is shaping up to be a bit more stressful than usual as consumers worry about their financial situations and stress over seasonal expenses. In fact, a recent survey from Gallup found that consumers plan to spend an average of $805 on gifts this
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Whether you want to admit or not, the holidays are fast approaching and planning ahead is key to managing your money, so that you don’t overextend yourself or go into debt. Last year, the average American spent $882.45 on Christmas gifts, food, decorations, travel, and other miscellaneous holiday-related expenses, according to the 2019 Christmas Spending
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Winter driving is stressful enough given the confluence of unpleasant weather, bad road conditions, and collective increases in driver stress. It can be even more stressful if you experience mishaps, gas-related problems, and seasonal breakdowns – and the same goes for your car. Here are a few steps to save money with winter driving and
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By Andrea Woroch September is the most common birth month of the entire year and whether you‘re among the millions of couples preparing for baby‘s arrival or recently welcomed your tiny bundle of joy, this is a good time to review your budget since a lot is about to change. It‘s no surprise that raising
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By Andrea Woroch Many colleges across the country have announced plans to begin the year with virtual or hybrid learning models, but that doesn’t mean students are off the hook from buying supplies and other gear. In fact, the National Retail Federation estimates that college students and their parents will spend an average of $1,059
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Parents, how’s your summer going? Enjoy a fun family vacation or staycation? Ready for school to start? As we approach summer’s halfway point, you may be tired of working as a full-time entertainment director and concierge for your kids. Sure, you could buy the latest gaming system and leave them planted in front of the
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Want to take a family vacation, but worried about the costs? A stay-at-home vacation (“Staycation”) can be a fun and money-saving alternative to dealing with that thrilling extra security search at the airport, or packing everyone in the family roadster for a less-than-scenic drive to your destination. (“Are we there yet? Are we there yet?”)
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By Andrea Woroch Many U.S. households have put a pause on air travel due to the COVID-19 pandemic and families are instead hitting the open roads to enjoy a getaway while staying safe and saving money this summer. In fact, AAA forecasts that Americans will take 700 million trips this season and road trips will
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Let’s begin by pointing out that this article is not a tutorial. Enterprising criminals are recommended to look elsewhere. Counterfeiting costs the U.S. economy millions of dollars annually. According to the U.S. Secret Service, $75 million in counterfeit bills were seized by the Peruvian National Police between 2009 and 2017, yet a counterfeiter reported
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Statewide restrictions are easing, and businesses are slowly reopening across the country, but consumers are still experiencing a lot of financial anxiety about the impact of the coronavirus outbreak on their income and budgets. In fact, a survey by LendEDU found that 63% of poll participants were concerned about running out of money and 51%
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By Andrea Woroch The first round of stimulus checks was sent out to millions of Americans across the country, with $218.4 billion paid out so far in an effort to ease the financial strain caused by the coronavirus outbreak. Although these payments provide some relief, using the money wisely is crucial in creating more financial
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Your bathroom can be functional without being boring, without spending thousands of dollars or hosting an HGTV makeover show to spruce it up. (Most of us are terrified at the thought of our friends spending significant time in our bathrooms, much less letting all of America critique it.) Flea markets, dollar stores, and other discount
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Does visualizing success help you achieve success? It certainly does in some cases. Successful athletes such as Tiger Woods and Muhammad Ali are known to have visualized their successes years in advance. People in other fields have also used visualization as an important part of the path to their success, from cartoonist Scott Adams to
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The old phrase “you get what you pay for” really does ring true in some cases. There are some cases where quality is far more important than price. Would you consider discount brain surgery? Probably not… and if you would, we suspect it might be repeat business. Medicine warrants a whole category of areas where
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Certificates of Deposit (CDs) can be a useful part of your investment portfolio – but did you know that opening a CD at some banks and credit unions can drop your credit score? It’s possible, depending on how your bank or credit union assesses risk. When you apply for credit, lenders check your credit report
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Nature comes alive in springtime and we all want to take advantage of the warmer weather. However, some of our finances may still be recovering from our holiday spending, making a spring break seem like a pipe dream. Here are five ways to take a vacation without breaking the bank. 1. Take a road trip.
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MoneyTips By Andrea Woroch Every year, countless people throughout the country dream up personal finance-related New Year’s Resolutions. Most of the goals are centered around saving more money, whether it’s by earning more or spending less. Some folks have trips they want to take or projects they need to cross off their to-do list, while
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By Andrea Woroch As a new decade begins, many have their sights set on change. After what feels like a lifetime of working, though, it can be difficult to transition to a cold-turkey retirement. To stay busy and supplement income many people are “semi-retiring” instead. Folks are leaving their traditional jobs, cutting costs and
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Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there? This is a great time to look further ahead and tackle your 2020 budget. Lay out your calendar, spreadsheet, or whatever method you use and
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Christmas Shipping Can Still Be Free Are you a procrastinator who hasn’t started your holiday shopping yet? If not, are you still hunting for deals even after Black Friday, Small Business Saturday, Cyber Monday and Green Monday? In any case, you still want to take advantage of online bargains and free shipping offers. You’re in
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You’ve overspent during past holiday seasons, but you’re determined not to let it happen this year. What’s your plan to prevent painful post-holiday bills? A study from Elevate’s Center for the New Middle Class (CNMC) may be able to help. The study focused on holiday spending behavior and how it varies depending on credit scores.
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MoneyTips Do you like the idea of good deals but not the idea of standing outside the mall in a three-point stance waiting for the doors to open for pre-dawn Black Friday savings? Then Cyber Monday, which will be held on December 2nd, 2019 — the Monday following the Thanksgiving holiday — is for you.
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What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
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Have you ever had a credit or debit card transaction declined for insufficient funds when you thought you had money in your account? You may have a credit or debit card “hold,” reserving funds that you haven’t spent. Merchants and service providers set a credit or debit hold on a purchase when the total isn’t
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Thanksgiving is a time to relax and enjoy a nice dinner with your loved ones. You don’t want to spend it stressing over the Thanksgiving budget; you want to spend it having an enjoyable day with friends and relatives, and relaxing on the couch with a tryptophan-induced nap. Try these tips to save dollars on
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