Are you getting the best rate of return on investment? Kiplinger's Personal Finance Magazine annually discusses ways to boost your investment yield in their latest issue. I have to say that I am always pretty disappointed in their recommendations. I love the magazine, but I didn't really care for a list of mutual funds and Exchange Traded Funds (ETFs). But, I wanted concrete ideas on how to earn a 10% annual rate of return on my investments. US Treasuries are earning less than 1% and money market funds are not fairing much … [Read more...] about Ten Ways To Earn A 10% Rate Of Return On Your Investments
Few business owners would say they don't care about safety. Most people want their employees to work without risk of injury or illness. A verbal commitment to safety isn't enough to create a safe working environment, however. The workplace continues to pose danger to people in many occupations, including construction and logging. In fact, 5,190 American workers died on the job in 2016 alone. These numbers should concern workers and business owners alike. In order to create a safe working environment for employees, business owners need to … [Read more...] about How Businesses Should Budget for Workplace Safety
If you’re looking for simple ways to make money, then investing small amounts into a growth-driven portfolio is one of the best ways to plant the seeds for a successful financial future. This is the key factor behind the personal finance app, Acorns, which is designed to round up any purchases made with your synced cards and deposit that spare change into an investment portfolio. Here is our Acorns review. Acorns Review Whether you’re just getting started in investing or you’ve been looking for new ways to invest beyond your traditional … [Read more...] about Acorns Review – Invest Your Spare Change Automatically
Note - The following post is sponsored by USAA. All opinions are my own. Do you have dreams for your life and your family? Of course, you do. We all do. And, our family finances play a huge role in living our dreams and living our dream life. How to Live the Life of Your Dreams We all have big dreams for our families. And, our finances play a huge role. Here are three simple ways to help you live a life of your dreams. 1. Spend Less Than You Earn Spending less and you earned is a staple in personal finance. It’s the number one … [Read more...] about 3 Simple Ways to Help You Live the Life of Your Dreams
There are so many different investment choices out there nowadays. Having to pick just a couple accounts to meet your investment income and retirement planning goals can seem like a daunting decision. However, you can’t go wrong with low-cost, reputable investment companies, especially when it comes to index products like ETFs or index funds. If you want to follow Warren Buffett’s advice about index funds being the best types of investments, then Fidelity’s newest zero-fee index funds are the way to go. The Fidelity Zero Total Market Index … [Read more...] about Should You Invest in Fidelity’s No-Fee Index Fund?
One of the most important factors in personal financial management is transparency. But, many people believe financial products and services are anything but transparent. That’s why Clarity Money was founded, in order to develop truly transparent solutions to wasteful spending, limited savings, and complex budgeting practices. Through the power of artificial intelligence, Clarity Money incorporates natural language processing, anomaly detection, and spectral analysis to help its over 1.5 million users save money. Even if you already … [Read more...] about Review of Clarity Money App – Get Clear on You’re Spending Money
There’s plenty of doom and gloom news surrounding the Millennial Generation’s financial management. But, new reports suggest Baby Boomers aren’t doing too well either. Baby Boomers, which are those born roughly between 1946 and 1962, seem to be missing the mark when it comes to saving enough money for retirement. As MarketWatch pointed out, the average Baby Boomer has just $263,000 saved in their employer-sponsored retirement plan, despite needing about $658,000 to live comfortably on. If the math holds up, this means the average … [Read more...] about Are Baby Boomers Really Doomed When it Comes to Retirement?
It’s a common question to ask think - will I have enough money saved up to retire happily? Not having enough money to retire is a scary thought. You work almost your entire life to have your golden years free of a job. However, if you are not financially able to retire, that dream may not become a reality. No one says you have to be rich to retire (although that does help). But you do want to have enough money set aside that you won’t have to worry about whether or not you can afford to pay the bills. How to Invest in Your … [Read more...] about Invest in Your Retirement Now – Your Retired Self Will Thank You
If you would like to learn more about personal finance or get a higher rate of return on your investments, then simply reading a book may not be the perfect solution. While books written by experienced authors can be useful, the information eventually becomes outdated, especially in the rapidly-changing world of finance, and there’s no one you can turn to for help if you have questions after you finish reading a chapter. This is part of the reason why Investopedia, the self-proclaimed “largest financial education website in the world”, … [Read more...] about Investopedia Academy Review – Self-Paced, Online Courses About Investing
According to recent studies, just 41% of Americans have a budget. For the other 59% or so who just “wing it” when it comes to managing their money, they could be missing out on valuable opportunities to save money on everyday expenses, decrease their debt loads, and put more money into investments for retirement. If the idea of creating and sticking to a budget makes you grimace, either because you think budgeting is boring or you tried and didn’t like the results you got in the past, then here are a few proven strategies to help you really … [Read more...] about
When you’re in a pinch and desperately need money, where do you look for cash? If you’re like a majority of Americans, you might not have even $1,000 set aside in an emergency savings fund, which means you’ll need to borrow that money from somewhere. In some cases, people turn to family members or credit cards to help them out, but if you’re running out of options, then a quick loan might be the only option you have. Unfortunately, the quickest, most accessible borrowing method comes in the form of payday loans, which have an average 400% … [Read more...] about OppsLoan Review – Personal Loans that Are a Alternative to Payday Loans